Keep Calm & Focus on Being Frugal

Being_Frugal

Hello,

I am a long time lurker.I have had many LBM's in the past, the light has burned bright for a while and then faded.This time I will keep motivated with the help of this diary.

I have £24,000 worth of debt,I want to pay this off over the next 52 months, I will be 50 then.

I have a loan and three Credit Cards. Two Credit Cards are 0% and hopefully the third will be as well.

Planning on making savings by:

Growing and own fruit and veg.
Menu Planning (also trying to lose weight on the S.W diet.)
Using a shopping list.
Survey Sites (already collecting Ad Points and Newvista)
Selling on Amazon and Ebay.
Taking extra shifts where possible.

Also I am looking to save a small emergancy fund of £300 to start with, I have £95.00 in a Building Society Account so a good start.

I have just registered for Money Dash Board, I can see all my accounts in one place, Bank account, savings and credit cards,not making nice reading at the moment but a big motivational tool.

Thank you for reading.

in_need_of_direction

Best of luck, you seem to have a sensible plan.

HappyMJ

I never saved much if anything by growing my own veg. The costs of growing it was too high. You need to take into account the cost of the water (very high-a sprinkler/hose running for just 20 minutes a day adding up to 2 hours a week could use about 1,000 litres which in my area costs £2/week), any pesticides (if any), the replacement tools needed etc... The quality was excellent but it came at a price.

Survey sites are good but they just take up too much time generally earning less than half minimum wage.

Switching gas/electric/phone/broadband suppliers regularly returns the greatest for the time spent on the task.

Being_Frugal

Thank you In need of direction and HappyMJ for stopping by.

HappyMJ I have a small garden and green house and I have a couple of water butts to collect rain water. I am planning on growing salad stuff so hopefully a small saving over the summer. Just been given 6 lovely bags of compost.All our utility's have been switch and we put a set amount each into the bills account.

The debt I have is mine and husband knows I have debt but not the true figure. Any savings I can make will go towards my debt.

Being_Frugal

Went grocery shopping yesterday after work and spent £45.42. Meal plan done up until next Sunday. Trying to use up things i have already got to fit in with my SW diet, lost 9ib in 4 weeks, feeling very pleased with myself.:j Not eaten a bar of chocolate, a packet of crips, a piece of cake or a biscuit in 4 week,:A and there was none in this weeks shop.:A Will need to buy some fruit and bread on Tuesday. So today Saturday and Sunday will be a NSD's.

My plan for the Bank Holiday weekend is to paint my livingroom. I have white paint for the ceiling and i am going to mix my own white with a hint of grey for the walls, have some light grey paint left from another room. Im sure there is some wood stain in the garage for the wood work.

So a busy weekend planned for me as long as I am not called into work as Im on call (Think of the money!)

To Do Today:

Take luch to work.
Register for an Amazon account.
Register for an EBay and Paypal account, have always used Mr Being Frugal's, time to get my own.

Have a good day all.

Being_Frugal

All going well in the Being Frugal household. pay day is the 15th and there will be a little bit if money left in the bank. :j

I have opened an EBay account and a PayPal account,just need to take pictures of the items I have found to put on EBay,job for the weekend. Busy the next couple of evenings helping my step daughter move house.

The sun has come out here today,so the washing is going out to dry in a minute and I need to make my lunch for work. Have a lovely day all.

Being_Frugal

Hello,
I have applied for my credit report from Experian,I was refused the % C/C I applied for and since I have got married and moved I have not had a copy of my credit report.They need more information as they can't confirm my identity and need to connect me to my current address. Waiting fir a C/C statement,then I can send off all the paperwork.

I have now set up an eBay and PayPal account just need to list some items,job for this evening.

Also need to list some items on a F/B selling page.

GunWharf

Good start, keep on plodding away and you soon have a 50th party to remember!

Good luck from the Captain on the South Coast

Being_Frugal

Thank you Captain on the South Coast,from your signature your are doing very well.

lav1979

Good luck and keep plodding with Ebay, the little amounts soon add up even if it is towards your emergency fund xxx

Seasidegal58

Hello Being Frugal - I thought I would drop in after you posted on my thread and send you my good wishes on the start of your debt-free journey. I'm keeping my own debt a secret too so all the best from a fellow conspirator.:D

You have some excellent ideas and well done on the SW loss!:T

Lost of peeps on here that will give you encouragement and ideas and I will be popping in if you don't mind to catch up on how you are doing.