Do One, Debt!

GoingToDoIt

No NSD's this week, have needed something every day...
Hit the magic £20 on inbox£s so cheque requested. Swaggy is at 700 points. Had to give up on shop and scan which was a shame. Am concentrating on trying to get a focus group, doing lots of applications but no luck yet.

GoingToDoIt

Crazy flurry of swaggy bucks, credited 1500 from November! Sadly it seems it will be slow to cash out as I now have to confirm my ID via post in order to have a PayPal reward. I'm not keen on amazing or other vouchers, I really like cash!

Work contract has been extended until October which is good news :j

Still doing a lot of tidying and sorting. Have got a few more things for the bay but will list them in a few weeks. I've done really well this month in extra earnings already, will leave it until I'm really bored in a few weeks :rotfl:

I did a bit of a bank audit. I cancelled my @amex and one mbn@ card as well as a fd cc, three empty cc's gone as well as a couple of plastic loyalty points cards for shops I rarely use.

It felt a bit scary closing down credit but I can always apply for a card if I need to. I only ended up with so many because of the debt, the debt has been repaid so I don't need them. I only realised from reading the MSE site that having "too many" cards open can also be a fraud risk. So less paper, less admin etc it's all positive! :A

I need to re-organise my bank accounts a bit. My elec supplier will change in March so I'm going to wait a few weeks. Also got my new rent statement from April, increase of £20 per month so I may as well wait for April when things are settled.

GoingToDoIt

I won £5 I won £5 :j:j:j:j:j:j:j:T:T:T:T:T:T:T:rotfl::rotfl:
I'm soooooo happy
I won on the inbox£ spiny wheel! And to be fair I'm extremely dedicated to that wheel but I only ever win pennies and I just won a fiver!!!!
Cashed out days ago and already back up to £6 whoop whoop

GoingToDoIt

£10 cashed out from swaggy
£6 cashed out from p!necone
£15 confirmed but not payable yet on tcb
All manner of carp bought this week, food, toiletries, coffees. The budget hasn't been blown but thank goodness it's a short month and less than two weeks until payday.
Have squirrelled £30 for meal out next weekend.
RDF is at £180
Holiday saver is at £30
Contact lens is exactly on target
Bday and xmas fund is at £290 so xmas is nearly paid for but birthday season starts next week

GoingToDoIt

A bit more shopping at Leidl what can I say, it started to rain and I needed shelter!
The new year bills are coming through...water, no change, rent up £20 per month, elec down from 72 to 33. Plus some weird misses with the money pots.
The birthday fund owes the rdf £20. That £20 is sitting with £36 pound in fd also owed to rdf from credit card (overpaid cc due to cancelled washing machine)
The hair fund owes the credit card £16.50
The co-op bank acct has £72 (as no elec was taken because I'm over £80 in credit) but cannot be moved in case it's needed and does actually come out later on
The rdf lent the hfax account £40 in case electric comes out

March is the worst finance month! I'm like an inefficient government department invoicing other departments for photocopying. My pots of money are driving me potty

Orange_Ena

It comes in.....it goes out.......

You sound like you know what should be where in your pots so that's good

Excellent news on your work contract, the £5 win, and all the cashing out. It's adding up.

Have a great week

GoingToDoIt

Not a lot happening...a fair amount of overspending. V!rgin had a seat sale so I bought a couple of return trips which I had not yet saved up for, but then again were very cheap. A mega splurge at the cheap shop on all sorts of things that I needed - £17 spent!

GoingToDoIt

Blooming heck. My spend on London transport is around £77 for the month. A monthly travel card is over £140 so I have saved almost half :money:
Short boring month so would expect to come in at £90-100 max in future.
Edited to add

A busy morning faffing with bank accounts. Have finally got around to setting up standing orders to automate the cash flow between accounts and in to pots. I was doing it all manually in the last few years because my earnings have been so unreliable. Now I have a goiod 6 months of stability I can set it up to run itself. It will still need a tweak after April payday due to new bills, pay rise etc.

I also deleted some old direct debits such as to cc's which I closed down the other week. My payments screen is less crowded now. Just sent my electric readings to new supplier. Lots of life admin...not exciting...but once it's set up I can sit back and relax (I hope!) already feeling the benefit of just having the dibs card and no others to worry about. Looking forward to that day when hfax is paid off and closed

Inspired by Orange Ena, I added £30 of earnings to my holiday fund rather than the rdf.

GoingToDoIt

This must have happened before at some point...I got paid and my account was already in credit! I finished the month with 6.99 unspent!

ETA

So far the automated money moving is going well, but one payment I prefer to make myself is the hfax cc...just paid £200 which means I'm now past the halfway mark on my repayments wooohooo half way to debt free and I have savings....it's a miracle

GoingToDoIt

What a time to be alive...last minute invite to a party tomorrow- already have a bottle of fizz to take from nectar double up.Tickets to the play at the end of the month already sorted and paid. All savings pots looking healthy, xmas is already paid for. No debt other than that which is on my signature below. Enough food for lunch to work for the rest of the month...quite fancy a new scarf and pair of flat shoes- can buy with the money put aside