Do One, Debt!

LittleMissDetermined

Hi

Didn't want to read and run but it sounds like you have it all planned out which is a great start, and well done on giving up smoking again, that's fabulous! (and great for your health too)

Like Fuzzy I also have a lot more debt than you, I was here a few years ago but fell off my debt-free-wagon... hoping not to do the same again this time!

Small wins, that's what I like... have you considered the Payment a Day thread? I am addicted and have already cleared one credit card

Lots of luck with your debt free journey

LMD x

GoingToDoIt

Feeling awful today. Ordered about £45 of shopping to be delivered tomorrow, I could have shopped around etc but I have not been able to get dressed or go out today. I got a lot of fresh stuff to freeze like spare bread, veg etc so it was worthwhile.
Was really tempted to order a takeaway but talked myself out of it and microwaved some rice pudding instead! Going back to bed shortly, hopefully tomorrow will be better

Orange_Ena

GoingToDoIt wrote: »

7 shampoos. And my shampoo is being discontinued so I bought a lot!

Hehe I was going to ask if you wanted to trade your shampoo for some of my 26 body washes, but not if it's your favourite :rotfl::D

Hope you feel better very soon. Take care.

GoingToDoIt

Hi guys, thanks for my latest messages, it's really encouraging! Still feeling very ropey and can't sleep- though I got up and fell back asleep this morning!

I decided rather than "save" the money to pay dibenhams at the end of the month, I should just do it now (in case I spend the money?) so I paid that off. I need to write down what I've spent so I don't forget
This leaves me £161 for the month for the following-
Shopping £40
Aunt Bday £20
Train £30
Travel £64
Bday drinks £30
Being off sick certainly saves on travel! The eagle eyed among you may realise that comes to £184, way over...however I have £21 in my purse left from last week when I didn't make it to the bargain shop. I've just done a big shop so have plenty of food and of course toiletries! And my £20 from inbox pounds is on it's way, plus a bit more swaggy effort at the weekend will get me to 999/£5. There's £15 expenses owed from work due to me also, so I should be ok:)

GoingToDoIt

I suppose today was an NSD, have been asleep or prone on the couch most of the day. Signed off work for another week, that's 4 weeks in total. Two weeks half pay and two weeks SSP £84, so almost three weeks pay I will have to repay...grim.
Had a read through some other diaries, it's interesting to see the differences but also the similarities.
Managed to cash out sw@gbucks at 999 and have got back up to 195.

GoingToDoIt

Whoop whoop inb@x pounds cheque arrived for £20! As well as my Dibenhams statement (card has been paid already!) with £3 points voucher.
I might review whether to change Dibs for a cashback card...I do like getting points from them as I always buy underwear there and I can usually stack up a few offers and vouchers to get a discount.
Still under the weather- must go through paperwork today and stop dumping it in my new "in tray" (half a perfume gift box).
Well I fell asleep and woke at 7pm...feeling quite ill and fed up of feeling ill. Another NSD, easy tomdo when you are asleep all the time!

GoingToDoIt

Sleep pattern is very messed up, now going to bed at 5am and waking at 2pm. Have not been outside for a few days now, so I've not spent anything. Sw@ggy has been keeping me company in the small hours, just here trying to resist the urge to order take away, as usual. Apart from the cash cost involved, I really have got to try and keep moving about.

Decided to go absolutely hardcore on sw@gbucks and am just a few points away from 999 which means I will have earned another £5 by tomorrow. Amazing. At least I've been getting something done whilst I'm lying about.

GoingToDoIt

Not sure I had it quite right before...also it helps to have it set out here so I can look back at it.
Salary 1918
Personal loan deducted 107
Salary to bank 1811
Bank 1 - bills acct 1005 (mortgage, rent, H cc, Virgin cc, electric, water, tv, insurance, wifi, mobile, c tax)
Bank 1 saver- rainy day acct
Bank 2 - spends acct 728 (cleaner, hairdresser, contact lenses, travel, saver 353....Food, clothes etc 375)
Bank 2 saver - 70 (bday and xmas rolling savings)
Bank 2 1 year saver- 65 ( interest paid 1 Nov 16 lump sum to use to pay cc's)

GoingToDoIt

Pudding 11 (bought on cc 20-11)
Coffee 9 (bought on cc 20-11)
Toothbrush 45bought 28-10
Pyjamas 16 (£10 giftcard, £6 on cc 21-11)
Cash 50 (given out 27-11)
Friends stuff 10 (spent 3.00 19.11)
After sun 16/voucher or pointsbought 28-10
Sun cream 18/ voucher (bought £14.77 on eb@y 30-11)
Ice cream maker 20 (pedicure set bought 30 nov cyber monday half price!)
Clarins 20 / voucher ( same as above)
Coconut 10 (£7.20 with vouchercode, bought 21-11)
Purse 6 bought 29.10
Wines 35
Chrome cast 30/ voucher ( bought 30-11)

GoingToDoIt

October challenges update
- see if I can get a better internet & phone deal DONE :j reduced cost by £10 a month and get £100 voucher
- apply for a bank account whichs gives cash for switching DONE but got rejected :eek:
- get to £20 on inbox pounds (am at £19.44) DONE :j
- get to 849 sw@gbucks to get a £5 gift card (am at 641) DONE to 999/£5 cash! twice :j:j
- stay in credit at H@lifax to earn the £5 bonus DONE gets paid in Dec
- claim back work expenses worth £15 when am next in! still working on it, not been in yet!