Changing for good...a new start!

Baldybear

Good morning

Thanks debtfree for the encouragement

Its that boring day before pay day, yawn, nothing exciting happening. Have redeemed some more survey pennies, just waiting to land now.

Had an ISA it hasnt been used for a while, I have re-started it, its an OK interest rate, could be better but least its up and running now. Going to use this as my emergency fund.

As soon as Sains CC cleared then going to do my half and half to emergency and holiday fund as before, going to use my expenses too this way, hopefully wont take too long to build both pots up using this plus any extras I hope to make.

Then once these are at targets then to crack on with the Bcard, still hoping to clear this before 0% deal runs out in Feb 2017, watch this space

Target 2 - new - Sains CC - £183.90 - Now £29.15

Baldybear

A small survey payment has landed, have emptied my holiday fund and used last of my overdraft pounds and sent to Sains CC, now only £8 outstanding, can pay of rest tomorrow on payday Means am starting from scratch with holiday, emergency and overdraft funds but least no "hidden extras" to pay. Hopefully thats its for extra CC spending.

Target 2 - new - Sains CC - £183.90 - Now £8.15

Baldybear

Good morning, payday

Have paid the Sains CC off , have enough in misc budget, will need to be extra careful this month but should be ok.

Now to start back on my original targets.

Not a NSD, my boss is retiring so have just bought a card and a bar of chocolate fell into my hand too :rotfl: All paid in cash from money I still had left over from few days ago so no new spending, still have a few pounds left over too.

Am out tonight to see Jersey Boys with my sis for her birthday, tickets already paid for, will take a drink and then dont need to pay anything else. The few pounds I have left over can be used for car parking if need be but I think its free in the evening

Baldybear

Good morning

Great night last night, sister bought ice cream in the interval and I paid for the car park, a whole £1.30 so still have a few pounds left in my purse.

No planned spending for a few days, saving up for the weekend. Need to get hoss food, bedding and few top up groceries for me.

I seemed to have spent over my food budget each month, I need to be more careful as this is eating up what I could be using to reduce my overdraft, going to try and be super careful this month and see how it pans out, fingers and hooves crossed.

Baldybear

Good morning

YAY its friday and so far its sunny! Going to do top up food shop tonight, hate going at weekends. Am liking the spring/summer the evenings are great which means more time to do stuff with the hoss and not so much rushing around.

Redeemed another amazon voucher yesterday, then can get mums present, just waiting for it to land. Still plodding away on other surveys and ebay, boring but helping me to stay on the right track.

Baldybear

Good morning, short week yay, only 2 days in main office, one trip to southampton tomorrow and wednesday off

Going to Ideal Home Show, have tickets for free, have budget for train travel and a few pennies if need to, dont plan on buying anything, mainly going for inspiration but watch this space.

So mixed mse weekend, friday went food shopping, spent on budget, saturday got hoss bedding and food, under budget and sunday didnt spend a penny.

Finished tidying the rest of ex's stuff in the loft, can get rest of his stuff that is in the house now and put it up there and then the house will be just mine there is still a few boxes of my stuff in the loft to go through but very minimal.

Listed a load of items on ebay too, yawn, used up to my quota of free listings, one has a bid on already, few more have watchers so some more pennies to add to the pot

Need to get fuel today ready for long drive tomorrow, but then can put first lot of travel expenses in tomorrow so hopefully they wont take too long to pay

Baldybear

Another amazon voucher has landed so have ordered my mums birthday present Have a few more pounds left over so that can start towards my dads birthday in June.

DebtFree2012

That's great!

Baldybear

Good afternoon

In my southampton office, hope to leave soon to avoid too much traffic.

Expenses put in £129 eek, have paid out about £20 of this, rest is mileage expenses, as all mini targets are met now to start back on original targets. Hope they pay in a week or so, watch this space.

Another item with a bid on ebay, only pennies at the moment but lots of time for it to go up

Baldybear

Good evening world

So been absent for a few days. Friend came over tues night, went to ideal home show on weds, bought a bag, a funny card that am going to frame and hang up and some chocolate. Started to feel rough on way home so had an early night.

Ended up at the doctors thursday am, got nasty chest infection and have had flu since too, am finally feeling normal. Thursday did do some work at home and then took mum to eye apptmt in the afternoon. Friday and Saturday were a right off, did hoss but thats it and just sat on the sofa feeling rubbish Bad thing is spent some extra pennies and got a takeaway one day.

Woke up this morning and actually feel half normal Spent morning with the hoss and fixed my electric fence, not very exciting but am glad can cross that one of the list. Free sunday lunch at sisters rounded off today nicely.

Nothing planned tomorrow but I am going to see if I can take my hoss for a walk, at the very least she needs a good brush.

So money wise, overspent slightly at the ideal home show and count in the takeaway and also take into account its only the 5th today and its still another 19 days till payday its going to be a long rest of the month and will be hard to reduce my overdraft this month.

I have £98 spare after big bills accounted for left in account (including overdraft), £23 ish in cash. I will need to get a small top up shop of groceries, have plenty of frozen and store cupboard just may need fresh bits, I also may need to get some more fuel. We wait and see.

I do have a £10 voucher for sainsburys so that can go straight towards the food already. Going to see if I can stretch it out as long as possible.

Debt wise sofa payment gone out so now under £180, nearly gone

Savings target wise am off the mark. My expenses have been paid (super nice accounts lady processed next day ) and have sold a few ebay bits, some people have paid already so have worked out and put half the total to emergency and the other half to holiday fund. Both now stand at £75 each so a fab start.

A few more pennies are due as still waiting for some more ebayers to pay so those totals will only go up

Signature updated as shows great progress.