Journey to Debt Freedom AGAIN & my wee 2018 hoose..............

[Deleted User]

In work doing some overtime today!

Will maybe get an extra day a week if its busy - fingers crossed.

Dxxx

[Deleted User]

Counting down the days till payday so I can sort out the finances for the month.

Got a couple of things that need to be paid out extra this month. My watch battery is on its way out & needs to be sent for a service - £85.00 - Thats what I get for having a fab watch!

New year, £200 for dinner, dance, B&B. We go to this every year & to be honest if we where to go anywhere else we would spend just as much or more!

That should leave about £400.00 to be split amongst the other debts.

Will try to save as much as I can over the month from my own budget & whatever is left will pay off at the end of the month also.

Dxxx

[Deleted User]

p.s the savings are on hold until the New Year.

Dxxx

[Deleted User]

After recently moving my nearest supermarket is no Sainsbury's so registered for a nectar card to start saving the points & got a wee voucher for £20 off my first online shop.

£70 worth of shopping for £45 including delivery - whoop whoop!!

Dxxx

[Deleted User]

Gaaaaaaaaaah I thought it was payday tomorrow so I have left home with my wee Bill Bible as I call it!

To you it may be a notepad but to me that wee notepad is my life all organised out on the pages!

So gonna have to wait till I get home to start making payments & then reducing my totals.

Alsooooooooooooooo I am gonna start giving myself a monthly shopping budget then each month of £400.00 now I know thats a lot but whatever is left over I will pay to my debt then when the debt is gone I will start reducing that each month.

Next post will be the October Grocery Thread!

I also requested to stay in work till 8pm tomorrow so if they authorize that that is 1 & 1/2 hours OT to the October OT pot. Would like to have at least 14 hours each month.

Dxxx

[Deleted User]

October Groceries 2014

Monthly Budget £400.00

[STRIKE]October total £0.00
October saving £0.00[/STRIKE]

Weekly Budget £100.00

[STRIKE]Week 1 - £100.00 budget - Total £ - Saved £
Week 2 - £100.00 budget - Total £ - Saved £
Week 3 - £100.00 budget - Total £ - Saved £
Week 4 - £100.00 budget - Total £ - Saved £[/STRIKE]

I have already ruined this whole month by spending money on stupid non necessity items!

Will be back in November with another post that I swear to the lord above I will be sticking to!

Dxxx

in_need_of_direction

Loving the bill bible. In our house, the boots Christmas catalogue is known as santa's bible

[Deleted User]

Oh I love the boots Christmas catalogue!

That will be out soon - yayyyyyyyyyyyy!!

Dxxx

[Deleted User]

October 2014

Monthly Budget £180.00

[STRIKE]October total £0.00
October saving £0.00[/STRIKE]

Weekly Budget £100.00

[STRIKE]Week 1 - £36.00 budget - Total £ - Saved £
Week 2 - £36.00 budget - Total £ - Saved £
Week 3 - £36.00 budget - Total £ - Saved £
Week 4 - £36.00 budget - Total £ - Saved £
Week 5 - £36.00 budget - Total £ - Saved £[/STRIKE]

I have ruined this already by spending copious amounts of money on alcohol :rotfl:

Be back with another post for November that I will be sticking to!

Dxxx

[Deleted User]

October Debt Update

SCC - £266.27
BCC - £1600.00
HCC - £424.70
Isme - £423.45

TOTAL - £2714.42

Paid off one of my BNPL on Isme so no interest gained on that :beer:

I have 2 more BNPL to go & they should be gone by January 2015 :T

Everything else I will chip away as much as I can.

Giving myself budgets for everything each month & as you can see post #67 is my grocery budget for October & post #70 is my personal spendie budget for October & I will update these each week to help keep me on track.

Dxxx