Starting over again- Take 2

Shelbi

Woohoo another work week completed, was actually quite a good one, had fun, brought lunch only once this week, wont be doing that at all through Sept if I can help it!

Today I paid £200 to cc2 saving the £800 to transfer to new account, so I can get that £100, am bit worried they're asking for direct debits, I'm not willing to move the couple I have, so I dont know if Im going to continue with the application if I have to move dd's, paperwork for it still hasnt arrived either, I need it to come through so that moneys not sitting in my account...eeeek hurry up!!

Another NSD and a cheap night in... Money saving all the way!! Hope you all have a fab Friday Night!!

Shelbi

Ok so today I received my new bank card for c0-@p account still no paperwork, also said on mse website that theres no direct debits to be be set up, spoke to customer services and was told Id need to do a full switch (shutting down my current account & moving 2 dds)....not going to happen. So I think I will close down that account and instead I'll transfer my funds straight to my credit card instead. So £100 less extra income than expected so I will have to make that back up. :sad:

Checked my credit score on experian (ordered the £2 report yesterday, then read that you can check it for free on n00d!e:embarasse Still on the plus side my old mortgage has officially been removed from my report:j:j. D3 isnt on my report at all, will wait for the exp3r1an one to see if it appears on there, am wondering if I should worry about this or if I shouldn't as its settling costs they paid out on my behalf :think: ..Ill cross that bridge when I come to it.

Started thinking about what I want to do when im debt free, im still desperate to own my own place so im going to clear this mess and then continue to live a bit frugal and save a deposit...long way to go but my mission is set, so with debt free date 26th June 2015 is firmly in my sights. Todays another NSD, rent paid and purse strings pulled tight, nothing left for me to do.

Paying £600 to my cc2 now...:dance::dance:

nothing more to report...Happy Saturday folks, off to update my status ...have a fab day all xX

Shelbi

Evening all, yay its the last day of August and Im ready to start my September challenges!! Todays been a lovely day so far, went to church this morning, took sis to get some school bits, well happy as managed to pick up socks, pair of shoes and a rucksack she'd fallen in love with..it was £12:eek: in the end I said she could have it..took it to the till and it was £5...didnt notice until I checked my receipt :j:j So happy & grateful with this!! didn't have her cardigan/ shirt colours left so I came home and ordered them on line, using squidco and bagging some clubcard points, even put it to store collect so I could save on delivery:money: Budgeted £40 spent £36.50...All in all a productive day:D Lunch was roast chicken and salad (im attempting to dieting..again):EasterBun & Lunch has been made ready for the beginning of tomorrows take-in lunch challenge. Going to enjoy a chilled evening with the family, have my nan over for dinner, will drop her home tonight then chill with a film and a cup of cocoa (this is only coz I have no wine in the house...ahh make that hot lemon and honey forgot the diet thing).

So far budget looks ok, just have to manage living on the rest, made a couple of tweeks, mainly my charity spends- I forgot my tithe so that made that higher, so trying to cut down other non essentials as a result...I can and will make the rest work. Tomorrow d3 should be paid which will bring the debt lump down a bit going to work really hard to bring it down under £20k with what I have left to live on I think theyll be a £164 remaining after d3 paid between me and this goal...I hope to have debt at £19,999.99 at the very least by the 25th September...well thats the mini goal :idea:...okies im off to sort out some bits for tomorrow and spend sometime with my gran...see you guys later x

Shelbi

Good Morning diary land,

Happy & grateful for a new day, 1st day of the week & first day of the month, exciting!! dd payment (£450.25) for D3 has come out as has my mobile bill...Ready for a nsd, cycle to work, home made lunch, work hard whilst @ work, ebay sales £44.24 so will deduct postage and send to cc2, not sure how much post is yet...ok I best get to my gratitude list and then ready for work, hope you all have a fun and fab day!! Happy Monday all!! x

p.s heres to Autumn and new starts :beer: (bit early I know):rotfl:

Shelbi

Pps: £41 ebay sale & £3.50 school uniform saving paid to CC2...removing the temptation to spend it a'la Trixxibell:D ...x

Shelbi

Evening, so 1 nsd in the bag, wasn't too bad, had a nice day at work, lunch was nice, exchanged my audio book for dave ramsey financial peace revisited, wanted to read it, didnt want to buy it, will try and get as many books in before my free trial runs out this month, sure I wont subscribe just yet added expense I dont need probably will when I get everything sorted and am debt free. but for now ill enjoy.

Found a penny for my sealed pot, maybe itll bring me some luck;)
Came across a great thread today on what will you do after your debt free? I hadnt really thought about it Guess I hadnt imagined it properly until know, first thing Id do Is a debt free scream for sure, not public, but just for me somewhere deserted and out of ear shot:o, by a bottle of something fizzy and celebrate my hard work, ill go for dinner too somewhere nice (probably still cheap and cheerful:D) and ill read this thread and knowing me have a happy cry then dance about like a loon...at least thats how I think it will go down.

Ill give myself 1 day and £450 which is typical d3 payment, yes dinner, fizz and shopping, oh and a spa day (a one time as a treat for clearing the last 29k).... After that it'll be back to work saving like a demon on a deposit for a flat of my own, I figure Ill need about 25k maybe? Ill also look for a new job, I love the one I have and the people I work with but there is a glass ceiling...still thats not for a while so not in a rush just yet.

So theres my plan...I know it life rarely goes to plan but thats what im aiming for (I think)...Thinking on ways to make £10 a day without busking, I have zero musical talent, people may pay me to be quiet though :rotfl: It'll come to me...

Will call coop tomorrow to shut down the account thank lord for cooling off period, also need to shut down accounts I dont use, someone else did this and it reminded me I could do with some financial admin myself.

Starting to work out what I need for September spends, only expense I can think of is Car Tax due, hopefully an iou or something will come in to pay that. Have also been reading alot of people thinking xmas budgets, Im going with £10pp, less if I can get away with it, main one is my mums I guess, last year I gave my parents presents and £200 each (it was during my ive been hit by massive debt so sod it phase ) so this will be a big comedown, have looked though the threads and have decided on a hamper for her, need to make sure there a bottle of f3njul in there as she likes that, have boots points I can put towards that & will grab a pair of slippers on sale when i see them some xmassy pjs and a bottle of asti, face mask and other bits (all for under a tenner- love a challenge), the threads offer some nice suggestions so will trowel through for inspiration...anyway plenty of time for that, need to bring myself back to the present! Probably should get some sleep and stop rambling..sorry for the waffling essay....g'night x

Shelbi

Evening all quick check in, received £5 halifax reward, sent to cc2, picked up sis school ordered from Tesco, cycled into work, salad from home for lunch, all in all a NSD!! Bagged a hamper box from work (brought for a colleagues birthday, was just sitting in stationery so I asked If I could take it) very happy with this, as it cost £10 when we brought it and will be great storage for my xmas hamper...winning!!
Exercise was yoga and cycle to/from work, gratitude list ill do before i go to sleep. Let myself down on the study front, got sucked in by holby & in the club need to do better than that tomorrow. Did cancel my coop account though which made me feel better...Beyond tired, wish it was the weekend already:)...goodnight diaryland x

Trixxibell

Hiya Shelbi,

I like that your removing temptation too. Xxx

You are doing really well, I have no doubt you will reach that £19,999.99 soon xx. Keep it up xx

Shelbi

Evening all!!

Today was an ok day, not a no spend day though, my wilted salad from home didn't quite hit the spot so I popped out for a sandwich and a small chocolate bar ...tomorrow Ill take in something a bit more substantial...Paid £15 to cc2, im so tired and the day seemed to drag on today, will try have an early night seem to be going slower, cycle in was a killer my energy was a tad low I think...on plus side tomorrow is another day...spent my lunch break and a little more lusting after houses a girl can dream, its my fave past time..."possibilities".

goodnight everyone....sleep tight x

GunWharf

Hello Shelbi

Really enjoy reading your Diary and we started with similar amounts.
All the best from the South Coast