This is it *ping* lightbulb!!!

GunWharf

Good luck! Slow and steady, even £1 overpayment makes you feel great!

kindofagilr

Thanks, I'm very excited to start making overpayments

Really need to stop checking my ebay listings, usually they don't get bid on a lot till the last day xx

kindofagilr

My aims for April:

1. Stick to our £200 shopping budget (or less)
2. Stick to our £200 petrol budget (or less)
3. Have 10 no spend days
4. Overpay CC by £20
5. List ten things on amazon/ebay

CAFCGirl

that sounds like a great plan

kindofagilr

Is it normal to want to fast forward to the end of April lol, I can't wait to start making overpayments, best not get ahead of myself tho

March was a total failure, 3 direct debits bounced, one credit card was paid twice!! We need to get our act together.

Our ebay sales and music magpie sales will cover the extra we need for the bounced direct debits.

Managed first no spend dat today yay (my bill month started yesterday when oh got paid) xx

mumto2monkeys_2

I'm like this - I always want to move along to the next payday!

DawnW

well done for being proactive and doing the snowball calculation :j

Why not try some of the challenges on the DFW board to keep you motivated? The payment a day one is good, and can be strangely addictive - I used to do this with my mortgage when it came off fixed rate :rotfl:

You can make a surprising amount from selling 'stuff' you no longer want, too.

Music Magpie - I always found them good to deal with.

You will get there - lots of us on here have x

kindofagilr

Lol wishing our lives away M2TM


Thanks for the message dawn we are currently waiting for payment from music magpie for some things

We have 13 things listed in ebay ... Fingers crossed

I will have a look through more of the challenges xx

kindofagilr

God our finances were well and truly messed up in march, I totally just failed to keep track of spending, it was my sons fourth birthday and we went in holiday for 5 days, it messed up the spends big time, and one of our credit cards ended up being paid twice doh!!

So this week we have had three credit card payments bounce, in the past we have buried our heads, but this time we are feeling positive and feel good in the knowledge that the money from music magpie and ebay sales (not finished yet but enough have been bid on to cover the bounced payments) will cover the bounced payments.

I keep having to chivvy OH along and saying to him at least we have more money coming in than going out, so while it's tight and we really need to keep an eye on it, at least we can pay the bills

brizzledfw

Hello :wave:

Thanks for posting on my diary..and well done on getting to grips with the situation...LBMs often flicker on and off...mine was going for about 10 years before I really cracked it :eek: so you are well ahead of that!

Will subscribe and cheer you on your way

Brizzle x