Silly student debt diary

greensalad

Have actually paid off even more debt today! Lots of incomes flowing in all of a sudden.

Paid £12.83 on to CC, this is the remainder of the eBay money.

This means I currently stand at, for August:

:starmod: £215.40 onto credit card. Balance now £1394.05
:starmod: £500 to debt savings pot. Now poised to pay off small Barclays OD on Saturday.

I've got £165.06 in the bank to last me until the 28th. I have budgeted it as the following:

£29.62 work lunches
£17.06 personal food
£17.01 misc
£20 entertainment
£40 groceries & fuel
£12.37 sewing

So that should cover me until the 28th at which point any leftover I'll put onto the CC.

When payday rolls around I've got the following plan:

£849.13 utilities, £175 joint spend, £44 car, £40 work lunches, £40 other food, £100 phone, £20 home stuff, £151.87 CC, £50 misc.

That will put me over 60% :T

Bobarella

Fantastic going! Its raining money in GreenSalad land!

greensalad

Ha it is but now I have to do the work to earn it

Did some logo designs for cliet #3 today, and sent off a document of designs for client #2 - still need to continue bug reporting for client #1. It's going to be a stressful week...

Bobarella

Hey from one self employed person to another it's having no work I find way more stressful!

greensalad

Bobarella wrote: »

Hey from one self employed person to another it's having no work I find way more stressful!

Yea true! I do this as a second job though. Actually third job. I have a 37.5hr main job, then a 7hr remote job and then self-employed clients on top so it gets really tough. But once I have some more funds and the debt cleared I may consider working less hours which would be nice

Bobarella

Wow I am impressed!

greensalad

Ugh, just wiped the post I wrote! Too lazy to write it in full.

Processed a claim this morning to Experian to claim back mis-sold insurance on their products. Hopefully maybe £20.

BF came home a day early from work trip. Cinema tonight (£5 pp on our theatre card) and some sweeties from Asda. Pasta and pesto for dinner to keep it cheap/quick.

Other than that my plan is to be more money-saving this week and try to finish the payday cycle (next Friday) with some money leftover. That sure would be nice

Have made some changes to my budget for payday (next Friday) to allow for a new healthcare savings pot and a sorely needed haircut. I am trying out a mobile hairdresser a colleague recommended. She is half the price of the salon, comes to me, and is actually ex-salon so has the same training as them. Hopefully she'll be good! I get my hair cut every 6-8 weeks so it'll be nice to only spend £22 on it.

I have also requested registration at the dentist so I can finally sort these fillings out now I have room on the credit card. I get healthcare through work but I have to pay and then have it refunded so I want to have credit card space to pay for it.

£849.13 utilities, £175 joint spend, £44 car, £40 work lunches, £40 other food, £80 phone, £20 health, £20 home things, £151.87 credit card, £22 hair, £28 misc

greensalad

Paid another £12.90 off my CC. Updated signature, 59.1% paid off! Should hit 60% by next Friday!

Got £20 in L2S vouchers from work. Think I will use them at Debenhams to buy some new skincare things I am in need of.

Earnt £5 in Amazon vouchers for writing a review. Used it to pay for some jojoba oil which I needed to refill. Was more than £5 but it made my total cost only £8.24 which is nice.

greensalad

Paid another £20 off my CC from a forgotten clothing refund. 59.4%.

Once a cheque of mine has cleared, and I pay that off to Barclaycard, I'll be at 59.99% paid off. I'm tempted to borrow from my budget just enough to push me over to 60% :rotfl:

Bobarella

Ha ha I know that feeling GreenSalad. Are you near the cash out limit on anything? Or do you have equivlant nectar points you could zero sum from your shopping budget to make the difference?