Do One, Debt!

GoingToDoIt

Hi moneysavers...
Just a quick hello, not much to report.
Inb@x£ is up to £17.81
Nect@r points worth £8.31

GoingToDoIt

Wow I've hardly posted lately. I definatley fell off the money wagon in the last few weeks. I overspent a bit on "stuff". Being ill is a pain, you just have to deal with it as best as you can.
So it's payday, and I had some good news with my finances. My mortgage is reducing by £7 per month, and it's time for my service charge year accounts- I got a £73 rebate!
On the down side, I didn't qualify for the £150 switch bonus and I went overdrawn so I lose my £4.50 bonus next month.
Clothes wise I bought two dresses and a pair of boots for £56. I've also ordered a few more bits on click & collect including a jumper. I'm probably going to need a new coat soon too. I'm going to try and hold off to see if I get the new job, but if I do, I have to get some new clothes. I've survived the last few months on just the basics, I need some investment!
I have visitors next week, for a week so that's likely to be expensive.
My amex nect@r card is doing well, yesterday I bought two copies of Marie Clare at sainos, £5.98 on special, used points to pay £5. Got free nailvarnishes worth £9 each with the mags, put away for friends xmas boxes. From now on it's time to start buying gifts. It's coming up to a year since I started the diary, so I think I will try and tot up some figures.
Hope you're all good
Gonna x

GoingToDoIt

I was awarded my 1 year badge the other day!
It's been a bit harded to get on since the ios 10 update, some websites just won't load up, I've recently found that they do work in "private" mode:p
Yesterday I had another big night out...I've very much fallen off the money wagon over the last few weeks, but I am getting back on asap:A
I got a new 6 month contract, a bit more money too :T
And I spent a fair bit on my visiting relative, meals out, spending money etc however we had a great time and it was very much appreciated, it's been 12 years since we were last in the same country.
I also treated myself to a pile of new clothes...I needed them!!! Again, they were in the sales, via tcb of course.
So hi to everyone, hope you all have good money days and I'll post more details soon:money:

Cailbhinn

Happy MSE Birthday! I've just joined after being a long term lurker. You're first post a year ago really resounds with me as I'm the same. Debt, weight, depression. I'll read your whole thread but just wanted to say well done - hopefully in a year I can come on and show how well i've done at getting rid of the debt and fat!

Orange_Ena

GoingToDoIt wrote: »

I was awarded my 1 year badge the other day!
It's been a bit harded to get on since the ios 10 update, some websites just won't load up, I've recently found that they do work in "private" mode:p
Yesterday I had another big night out...I've very much fallen off the money wagon over the last few weeks, but I am getting back on asap:A
I got a new 6 month contract, a bit more money too :T
And I spent a fair bit on my visiting relative, meals out, spending money etc however we had a great time and it was very much appreciated, it's been 12 years since we were last in the same country.
I also treated myself to a pile of new clothes...I needed them!!! Again, they were in the sales, via tcb of course.
So hi to everyone, hope you all have good money days and I'll post more details soon:money:

Yay you're back! I've been a bit AWOL too:) Its great to hear about the new contract and a pay increase :T

You sound really chilled for having a break and spending a bit of money on yourself. Definitely well deserved gonna

GoingToDoIt

Celebrate.....:beer:
Saving account matured, earned £91 interest. Paid off the overdraft I have been living off, the other MBNA card and have some to put towards Hfax!

Cashed out £23 from inb@x£s last week

Am still finding it hard to get back on top of the budgeting though.

Orange_Ena

Woohoo congratulations, brilliant work _party__party__party_

GoingToDoIt

Moneysavers, I need your help! I tried to go it alone and things have spiralled out of control...I've been buying bagels on the way to work, sandwiches for lunch, going out for dinner and drinks on the weekend...It's spending madness!!!

Sometimes life just gets in the way...had I not laid good moneysaving foundations, the last few weeks could have bankrupted me.

So I'm back, making an effort to get back on track and stay on track. So look out for a flurry of posts now as I re-set my monthly budgets. I've still got a lot of debt to pay down and a lot of things to save up for, so I need to get to it :A

GoingToDoIt

Rent 467.36 ? (Am due a £70 rebate, they reduced the payment and not sure why.leaving original cost here)
Mortgage 286.72
C tax 66.00
Insurance 0
Tv Licence 12.12
Electric 70.00
Mobile 7.50
All payments due on 1st of month 909.70

Water 25.05 - due on 2nd
Phone/wifi 17.95 - due on 16th
Halifax cc 18.00 - due on 18th
Virgin cc 33.00 - due on 25th

Total bills for month = 1003.70

Other regular costs

13 contact lenses
142 travel
70 Hair
140 bday/xmas fund

Total monthly commitments = 1369

New Salary £1999 per month

630 remaining

GoingToDoIt

:money: let's hope everyone has been good this year:rotfl:

3x giftboxes for friends...need to buy a few extra items for these: a lip balm, three face masks, some chocolates and one main present. £20 max? Edit - spent £10 on lip balms etc.
Money for 2 kids £40
Relative 1 g= bought bath gift in last years sales :money:
Relative 2 n= £20 still not sure what to buy edit- maybe clothes
Relative 3 b= £20 for a toy and batteries to go in
Friends kids 1 and 2 = £40 for toys - bought 2 toys with nect@r points
Friend R £40 jewellery item edit - not sure as item is non-returnable, big gamble!
Friend N £40 not sure yet! Edit- m&s advent calendar
Relative 4 £100 various
Relative 5 = £15 foods
Relative 6 = £15 don't know yet!
Hairdresser £20 tip

Total approx £370 cost.