My debt busting diary 2015

Cwtchie

Lovely new rug . More exciting than buying make up

mfmaybe

I looked at their sale but have resisted. I should be buying cardigans and onesies, not heavyweight combos

Can I ask a sw@g question? Just cashed out a £5 card, Got an email (on second attempt) and now have a code, but when trying to apply it at Am@zon I'm being told it's already been applied and used. It looks like it might be an old code. Have you had this problem before? Do you know how I query it?

Edit: Ignore me - I didn't realise it took "up to 10 days" to appear, and the one I clicked on is actually an old one!

ScattySkewbald

Lol just seen your post mfm - glad you got sorted! Hope all is going well with you and bump.

Had a bit of a play with the figures and it looks like by month end I will have paid off about £2! How pants is that :mad:

Really need to sort out an emergency fund as at the mo I feel like I'm going round in one great big circle and getting nowhere. May take a bit longer to get things paid off but at least we'll have a buffer.

Swags has also been pants - not qualifying for any surveys and I refuse to spend hours getting up to target, so not much has been achieved there!

Need a good kick up the bum to get me back on track!

DebtFree2012

Sending in a kick up the bum

Don't worry - we all have days and weeks like that. It's this time of year I tell you! I'm still amazed by the time you get up on a morning!

mfmaybe

Me too. I wail if I'm awake before 7!

Glad I'm not the only one finding the surveys weird. I had a few good days (inspired by you) but yesterday was rubbish. Still, will keep playing at them every now and then, in front of the TV.

ScattySkewbald

Arrrgh been AWOL for over a week - def not part of the plan if I'm to get all this sorted! Payday tomorrow at last - so much for frugal Feb, I've been pants!!!!

So time to draw that line and move on.

Really need to address the lack of emergency fund / savings - yes it will mean it'll take longer to pay it all off, but we will have that little bit of security for the numerous rainy days!

Placed an on line shop with Mr T - £15 off £60 spend, have saved a further £38.72 on their offers, so nearly £100 worth for £45 - can't moan.

Swags have been very slow, I'm edging towards my next £5gc - hopefully will be able to claim by the weekend.

Will juggle the numbers and report back scores on the door and new target date in light of the emergency fund!

DebtFree2012

I wondered where you were Looking forward to new DFD.

ScattySkewbald

So payday at last!!!

This months figures don't make good reading :mad: here it goes...

Cc1 was £0 now £0
Cc2 was £2213.88 now £2162.61 = £51.27 decrease
Cc3 was £728.28 now £720 = £8.28 decrease
Od was £655.60 now £676.77 = £21.17 increase

Total paid off for month= £38.38 :cool:

Not good enough!!!!!

Not had chance to rework the df date as left USB with my spreadsheet on at work, so will review and set myself some goals for this month.

Things I know we need to do this month.....
1. Put £250 aside for emergency fund
2. Pay OH car insurance (approx £200)
3. Order fence panels (approx £140)

Not going to be a cheap month, so really need to keep on top of it. Will get back on track with ebay and swag$ too.

Have a good day x

DebtFree2012

Good Luck

Cwtchie

It's hard! You are doing great though . Fingers crossed for an easier month x