Starting over again- Take 2

Shelbi

Afternoon diaryland, So today have made a £1 PAD payment, had £450.25 standing order go out for D3 which takes me under the 16k barrier:dance: have had a bid on an item so that £3.00 ensured...very happy with this:D not much but in the right direction, also have a couple of watchers so fingers crossed some more bits sell. Cycled to work, it was freezing have only just defrosted now.
Think i need a nice cuppa:coffee: Random act of kindness- putting on coffee for the office,ready for mid morning break (I dont do coffee...smell makes me feel sick lol!_pale_) ...nothing much else to report..happy Monday everyone x

supersaver1000

Yayy :T. Goodbye the 16s :wave:

Shelbi

Thank you Ss1k, am super excited xX

Shelbi

Good morning diaryland...am awake but fighting to get out of bed..having the bike vs train debate, its frosty in London this morning. ...guess bike wins as its free lol...PAD £1 paid over...guess I best make lunch and get my hiney to work. ..have a fab day all xX

Shelbi

Evening diaryland- so another NSD done, made 32p on a survey (every little helps & that) braved the ice and cycled in, if anything it made me peddle quicker to keep warm....hopefully got a work out too...made dinner will take leftovers tomorrow. nothing else to report...till tomorrow xX

Shelbi

Evening diaryland, well today has been another NSD/AFD, managed random act of kindness...and made a £1PAD. Todays been ok had 2 opening bids on ebay so now guaranteed £6 (not much but something and still 4more days left. payment confirmed by quidco so hopefully that will come through & £50 iou awaiting collection. All seems good, though today I had to decline an invite to a colleagues engagement party due to lack of funds, was really dissappointed that I cant go, really wanted too as shes such a lovely person and I think it would do me some good to have a night out for once...but II really cant justify using the money I have left in my account that'll mean relying on the credit card..I have to face it and get stricked im too broke to be going out...Something tells me im missing a really good night out also felt bad saying no and explaining it wasnt in my budget...although bless her she was really nice about it..like I said a really lovely girl, wouldve been fun to help celebrate her news...but that isnt going to help clean up this mess thats for sure. Im sure theyll be other nights out.

What else..have started looking at Febs spends ready for when I get paid...have noted bro's birthday and mothers day will fall into this pay check period..need to account for these, havent used up much petrol this week still have a pretty full tank so maybe able to make it without topping up till march payday..consumption drastically cut since im not driving halfway to meet the boy anymore (another blessing right there :rotfl:). Also received £7.50 Tesco vouchers so maybe that can be put towards something too
Sis inlaw invited me to watch 50shades when it comes out, we used to do IMAX VIP when something we want to see releases..ie Twighlight's but suggested doing normal as both on a budget, I also went a step further and suggested we skip the opening and wait so we can do orange Wednesdays so its half price so far she hasnt replied, ha wonder how she gonna take it when I roll up with popcorn, drinks and treats pre-brought in my bag :rotfl:...Ahh the frugal life.:beer: xX

Shelbi

Good morning all, Happy Friday...I didnt get a chance to check in yesterday..super busy!! but i had a NSD, a AFD, did a RAOK and a PAD of £1 this morning have also done a PAD of £1, Wednesday night was given £20 from my dad, which was a really nice surprise..for all I do and im always going without..which was super sweet. have also had more bids on ebay which take me to £19.49 though wont add anything to my signature till Sunday when its over and I receive the funds...shoot just seen the time gotta run dont want to be late for work...Wishing everyone a really wonderful Friday..have a fab & frugal one xXx

Shelbi

Evening all, just chilling in again...someone please kill me now im so bored!! on the plus side have caught up with Vampire diaries, reign, the 100...yup spent my Friday night watching tv (its free) have no idea where the time goes. Had a nice day at work today, finally picked up that money I was owed, will bank that first thing. My friend invited me for a catch up, only a nandos (it sw friendly ) but I had to say no explained my goal, actually she was really lovely and supportive which actually meant more to me than she probably even realised...bless her! :A:D

Am starting to feel it now, that itch to go out, when I feel like im not making any traction and wonder if im wasting my life away rather than going out, meeting people having fun...nope i know im not missing out on much I guess im just moping as im bored...nothing an early night or movie wont fix. another NSD today, AFD, RAOK (cleaned the office kitchen whilst waiting for my lunch to ping- quick 5min blitz)...looking around my room could do with that ill give it a go tomorrow. Hair needs doing too that might make me feel a bit better...also nothing is fitting, have one pair of fat jeans..I refuse (&cant justify/afford) buying anymore..its annoying:mad:..I need to lose weight pronto and get back to my original size:o...adding daily work out to my agenda...may lift my mood too...longing for payday...i need to loosen these chains a bit more .. Good news I think ill make it till the end of the month with no cc use..bad news on cinema, sis didnt go for waiting till orange Wednesday so full price ticket it is:mad:. February pay will clear cc and then I will keep my standing order of £450 going whilst squirrelling money away for a lump sum debt payment...anyway thats the plan:j..im waffling now overtired I guess..hope everyone has a nice evening whatever your doing...night:) xX

Shelbi

Afternoon all:wave:

Well today i felt like a prize plum, noticed my £5 reward from haliwax hadnt arrived, called up thinking I haven't gone overdrawn so whats the hold up..forgetting in my attempt to cut unnecessary spends id cancelled my lotto, meaning I only have 1DD going through that a/c so £5 loss due to me not thinking:wall:...have moved my mobile dd so hopefully will get a £5 again next month *fingers crossed*

Lazy Saturday, banked money, did some inputting for church and then had group meeting..will be spending the rest of the day at home. will do my hair watch a movie, sort out some more bits to sell...and for evening bath face pack and a movie :beer: (no wine)...what else does everyone do when trying to save/have a nsd??

PAD- £1, attempting nsd- raok (playing taxi to nan/dad later), afd in progress...onwards and upwards...

hope everyone has a fun Saturday...xX

Shelbi

Evening all, I really feel quite blah, headache all day, work was a challenge but all done and relaxing evening in bed..only four more days until the weekend...received £7.50 tesco vouchers will count that as extra income (every little helps)..sold £33 odd of things on ebay..will throw somemore things up on Sunday, I need to do a serious declutter...got a letter for a bonus from work (happy with that) will use it as a basis for savings for my lump some...it will be a small start at least.

Started Febs budget (mar-may too) looks like ill be debt free by Aug 15 with the budgets ive been cooking up but will still crack on with a June end date in mind. Yes I believe in miracles!! Just under £16k in 5 months it pays to be optimistic!!

in other news ive made the extra money I needed to not have to use the credit card leading up to payday. so I can definitely kill it come end of February....

Looking at up & coming events, I have my brothers birthday & mothers day coming...going to try and get them lovely presents a bit cheaper this year...ive budgeted £15 each (todays draft of budget)... less than the usual amount but It should be the thought that counts and once im out of debt theyll receive more expensive gifts...eventually .

Received £10 for my taxi endeavours...keeping that in my purse as emergency funds....Printed off boot sale details may give one of those a go soon, its been a while..

Cant think of anything else to report...life been pretty quiet at the moment..hopefully itll pick up soon lol! Night all xX