📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

MrsS is getting serious!

Options
1356713

Comments

  • dawnybabes
    dawnybabes Posts: 3,365 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    It gets addictive and soon starts snowballing down.
    Sealed pot challenge 822

    Jan - £176.66 :j
  • Subscribing Mrs Save. Read your diary and you have started out on the money saving road the same time as me and I can see similar patterns and questions. Wishing you good luck and I will be calling in for a natter from time to time.x
    LBM August 2014: £16430.26
    CC - £2300
    Loan - £2407
    Zopa - £6679
    Total:£11368
  • MrsSave
    MrsSave Posts: 1,817 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Thank you and welcome. Good luck celticmiss on your journey as well, and feel free to pop by anytime :)

    Day 1 went perfectly! Other than direct debits for bills it was a nsd. I've decided a no spend day for me will mean any spends other than the monthly bills. I felt strangely as if I was starting a new diet this morning (wouldn't be such a bad thing!!!). I felt I had to be careful with everything I did and ate. Feeling like this May make me a bit more aware and could help me lose a few lbs in the process :)

    I made £18 in my second job today. I am slightly worried about how much teaching work I'll have this month because I'm a supply teacher and the start of the new school year is going to be quiet. I just hop I have enough for our bills next month!

    Tomorrow I'm grocery shopping, so won't be a nsd. My budget is £35, though don't need much at all so should manage quite a bit less :)
    Starting a new debt free journey
    Starting Debt: £5,250
    Current Debt: £4,995.50
    Amount Paid: £254.50 Percentage Paid: 4.84%
    Emergency Fund: £350
  • MrsSave
    MrsSave Posts: 1,817 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Day 2 :)

    Groceries were delivered this evening (I buy the monthly delivery saver, which is £3 per month. For me this is the cheapest way, as it would cost more than that in petrol to get to the supermarket to start, and also if I went shopping I'd find all these little things jump into the trolley when I'm not looking!). It came to £25.25, which is plenty under my £35 budget. This also included a box of choccies for Christmas.

    Other than the weekly groceries, it was a nsd. :)

    Today, I've been working on my second job (from home). I also picked some blackberries and made a crumble out of them and some rhubarb I had in the freezer. Yum!!!
    Starting a new debt free journey
    Starting Debt: £5,250
    Current Debt: £4,995.50
    Amount Paid: £254.50 Percentage Paid: 4.84%
    Emergency Fund: £350
  • MrsSave
    MrsSave Posts: 1,817 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Day 3. Managed a nsd today and actually made £29.50, then found another 50p so I am £30 richer this evening! Took my son to the library, but parked further away as it was free and walked! Completed a mystery shopping assignment for £10 and then sold a couple of the crafts I make for £19.50. I them went searching in my bedside cabinet for something and found 50p. That means I have made £48 extra this month already, and it's only the 3rd! Woohoo!

    We're going away for a couple of days next month, and next month will be tight money wise after a slow September teaching (well so far, but I do have worked booked in for Friday, next Tuesday and Friday, and 3 days the following week......it's happening slowly!). So, the extra money I make from this month will be used for the weekend. It will be a budget weekend. Already sorted tesco vouchers for a meal one evening. Going to look and see if there is somewhere else we can use vouchers for the second evening.

    Tomorrow should be another nsd. I'm liking these :)
    Starting a new debt free journey
    Starting Debt: £5,250
    Current Debt: £4,995.50
    Amount Paid: £254.50 Percentage Paid: 4.84%
    Emergency Fund: £350
  • MrsSave
    MrsSave Posts: 1,817 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    What a busy couple of days! I've started my supply teaching (didn't expect to get anything during the first week of September). I've been offered a supply day ever Friday for the rest of the year, which is fab news. I've also had a few more calls and I'm working 3 days next week, and 3 days the following week at the moment.

    I've been making a bit of extra money as well. During the last couple of days I have made £6 selling a plaque, £87.20 with a refund from a company that we had overpaid into (it was our fault and didn't think about getting money back until the company said we should!) and £5.50 from another mystery shopping assignment. So far for September, I have made an extra £146.70. Woohoo!

    I did spend yesterday, though. A whole £1.98 from the grocery budget. I stopped off on the way home from work for doughnuts (Friday treat). I had literally pennies in my purse and didn't want to pay 69p on my card, so I bought a tube of Pringles as well (they were on offer and have gone straight into the Christmas cupboard!). That means I have spent £27.23 from my grocery budget, so still plenty under.

    It's now the weekend, though. This is surely going to be my most difficult time. The house needs a good clean, so will stay in tomorrow and tackle housework. I just need to make sure I stay away from shops today :o
    Starting a new debt free journey
    Starting Debt: £5,250
    Current Debt: £4,995.50
    Amount Paid: £254.50 Percentage Paid: 4.84%
    Emergency Fund: £350
  • Well done Mrs Save. Its going in the right direction.x
    LBM August 2014: £16430.26
    CC - £2300
    Loan - £2407
    Zopa - £6679
    Total:£11368
  • MrsSave
    MrsSave Posts: 1,817 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Well I survived the weekend!

    Spends were:
    Groceries - crisps, milk and juice (all within budget)
    Christmas gifts etc - 2 tins roses/quality street for £8 (one for home, one for my son's nursery), 4 x boxes of milk tray at £1 each (half the size of normal boxes at a guess, but are cute and can get a little something else to go with them for Grandparents). Another gift for dh (halfway through his budget now).

    All purchases were made with a debit card (day 8 since credit was last used!) and all money from the correct pots!

    I've also made money :) £9.50 from crafting yesterday. Total extra money this month is over £150 now, which was my September target! I know of another £17 coming within the next couple of weeks as well :j
    Starting a new debt free journey
    Starting Debt: £5,250
    Current Debt: £4,995.50
    Amount Paid: £254.50 Percentage Paid: 4.84%
    Emergency Fund: £350
  • Dobbibill
    Dobbibill Posts: 4,194 Ambassador
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    MrsSave,

    Just stumbled across your diary and you are doing really well :T
    You are so focused which is fab and very organised too
    Wanted to just wish you all the best for your journey, your diary is a very motivating read and I'm loving it already (8 days in)

    #subscribed

    Good luck

    DB
    I’m a Forum Ambassador and I support the Forum Team on the Budgeting & Bank Accounts, Credit Cards, Credit File & Ratings and Energy boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

    If you can't be the best -
    Just be better than you were yesterday.
  • MrsSave
    MrsSave Posts: 1,817 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Thank you DB and welcome to my diary :)
    Starting a new debt free journey
    Starting Debt: £5,250
    Current Debt: £4,995.50
    Amount Paid: £254.50 Percentage Paid: 4.84%
    Emergency Fund: £350
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.3K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.