Giving myself 2 years to get out of Debt

Fivebyfive

lucy-lou wrote: »

Hi fivebyfive,

Just stopping by to say you are doing great. I have found thinking about purchases makes such a difference in have walked away from 2 jumpers this week, working in retail does not help when the new lines arrive!!

Keep up the good work!

Thank you Lucy-lou

Well done on walking away from the Jumpers, it must be really difficult working in retail with the temptation :eek:

Fivebyfive

Purplemumof2 & PositiveStep Thank you, I'm so pleased with the purchases.

I've had another day of taking lunch in to work today..I was so tempted to have the usual Friday Fish and Chips with my colleagues but I didn't give in to the temptation

I bought DS1 main xmas present today which has been budgeted for. Haven't spent anymore so all is good. I earned 5 pounds cashback from Ch3ckout Sm&rt yesterday with my food shop. I went to 4 different supermarkets etc to keep they food bill down :rotfl: Petrol probably cost more than i saved.

I'm spending the evening alternatively watching Vampire Diaries , reading one of the diaries on here as well and occasionally swag bucking in the background. My Friday nights are so exciting :cool:

Currently waiting on

£40 from 0ne P0ll
£5 Giftcard from B0unts
[STRIKE]£5 Giftcard from Sw&gbucks [/STRIKE]
£150 C0-0p bank account switch - Due 1st Dec
£70 Quidc0 cashback - Due 1st February 2017

Fivebyfive

Monday blues and starting the day with the knowledge that I've lost £13 due to idiocy. I can't go into too much detail on here but I think i will have to use this loss of money as a lesson to be extra vigilant. It could have been a hell of lot worse.

In other news, I had a lovely weekend without spending too much. Me and DD went for breakfast at our fav cafe yesterday morning. She used her spend for the expensive drink she wanted and I used my entertainment budget for the rest.

Fivebyfive

Yesterday was eventful. I thought I would stop off at a cafe for food before a meeting I had and was very disappointed in the food. It was overcooked and salad was wilted and turning brown :-(
I put in my feedback and they have offered me a meal and drink FOC

My cat has had to go to the Vet this morning for a wound on his body (probably caused by fighting with the neighbors cat) he has been given an injection and is to wear a cone around his head for a couple of weeks. Its another £55 i've had to put on the Credit Card :-(

Penniesinmyjar

Hi fivebyfive,

Just wanted to stop by and say hello and wish you lots of luck on your debt busting journey!

Sorry to hear about your cat, they are pains sometimes aren't they! Hope he/she is ok.
I can totally relate to the frustration of having to use the credit card when emergencies like this occur, and it's so demotivating when you're in the zone and working like a machine to pay things off.
One thing that helped me a lot was setting up an emergency fund before I started overpaying on any of my debt, it then creates a buffer for you when things happen without having to go back to credit cards. Could be a £100 or £500, just something to take the pressure off. It gave me a feeling of security I hadn't had in years. Just got to stash it somewhere u won't dip into easily, but you can get to it easily when u need it! I read one lady put the cash in a photo frame and put it in the loft behind many boxes and heavy items :rotfl:

Enjoy the rest of your day!

Fivebyfive

Penniesinmyjar wrote: »

Hi fivebyfive,

Just wanted to stop by and say hello and wish you lots of luck on your debt busting journey!

Sorry to hear about your cat, they are pains sometimes aren't they! Hope he/she is ok.
I can totally relate to the frustration of having to use the credit card when emergencies like this occur, and it's so demotivating when you're in the zone and working like a machine to pay things off.
One thing that helped me a lot was setting up an emergency fund before I started overpaying on any of my debt, it then creates a buffer for you when things happen without having to go back to credit cards. Could be a £100 or £500, just something to take the pressure off. It gave me a feeling of security I hadn't had in years. Just got to stash it somewhere u won't dip into easily, but you can get to it easily when u need it! I read one lady put the cash in a photo frame and put it in the loft behind many boxes and heavy items :rotfl:

Enjoy the rest of your day!

Many thanks for your reply I have budgeted some money into an emergency fund, but it only really covers Household items, car repairs and a holiday. I have a small amount in the pet category but as the budget has only been stuck to properly for a month i haven't gained enough in there to cover it. :eek:

The cat is fine, he has to wear a cone for a couple of weeks and stay indoors but otherwise all ok. The wound looks to be healing nicely.

Currently having a small disagreement with OH as OH wants to keep a surplus of food in i.e meat from farm shop whereas i am trying not to use up all the food budget and move the remainder into the credit card overpay. We can go another 2 weeks without meat as i can cook vegetarian meals a few times and we do have a few a fair bit still in so unsure what to do.

Fivebyfive

I have given some thought on my goals and tasks for the next 2 and a half months, a lot of them are ongoing, some are for the coming weekend and i will strike them out once i have done.

Tasks

Money Saving etc
[STRIKE]Ring CB for update - Should be backdated to August[/STRIKE]
Check account for 0neP0ll payout - £40
Check accout for Bank Switch payout - £150
Quidco Payout - £70
Try and earn 50 SB a day
Catch up on 0neP0ll surveys
Claim free meal at cafe (the thought of speaking with manager when i get there fills me with dread, i wish they had sent me a voucher or something )
Remember free coffee at McDonalds when in area
Aim for at least 15 bring lunch to work days this month
Aim for 15 NSD's

Shopping
Use coupons for T3sco
Use Lid1 coupon from M3tro
Buy free Ch3ck out sm&rt products
[STRIKE]Meal plan for the week [/STRIKE]
Try and incorporate WW meals
Buy pumpkins

Tasks
Arrange Parentpay for DS
Car Insurance for OH
Research Quotes for Tenant Liability insurance
Help parents with cleaning
Decorate house for Halloween
Movie weekend with kids
List Ebay items
Volunteer at local group
Shop for xmas presents
Chase TT for final mobile bill

House
Clean cat areas
Wash bedding
Sweep and wash floors
Vacuum stairs
Reconcile YNAB

Health
Walk to work at least once a day (40min)
Try for 7000 steps a day
Take Tablet everyday
Substitute a coffee a day for a glass of water
Follow WW more often
One takeaway a week only

Me Time
Current shows on the go
Vampire Diaries
Westworld
Grimm
Criminal Minds
Lucifer
2016 Goodreads challenge 60/100
Read library books
Rocky Horror Picture Show at Theatre next week

Fivebyfive

Money Saving etc
[STRIKE]Ring CB for update - Should be backdated to August [/STRIKE]
Check account for 0neP0ll payout - £40
Check accout for Bank Switch payout - £150
Quidco Payout - £70
Try and earn 50 SB a day- Failed this yesterday
Catch up on 0neP0ll surveys - still to do
Claim free meal at cafe (the thought of speaking with manager when i get there fills me with dread, i wish they had sent me a voucher or something )
Remember free coffee at McDonalds when in area
Aim for at least 15 bring lunch to work days this month 19/21 :j
Aim for 15 NSD's 16/31 :j

Shopping
[STRIKE]Use coupons for T3sco [/STRIKE] Saved £8.31 :money:
[STRIKE]Use Lid1 coupon from M3tro[/STRIKE] Saved £5.00 :money:
[STRIKE]Buy free Ch3ck out sm&rt products [/STRIKE] Bought Yogurt for £0.50
[STRIKE]Meal plan for the week [/STRIKE]
Try and incorporate WW meals
[STRIKE]Buy pumpkins [/STRIKE] £0.75p in Lidl

Tasks
Arrange Parentpay for DS
Car Insurance for OH
Research Quotes for Tenant Liability insurance
Help parents with cleaning
Decorate house for Halloween
Movie weekend with kids
List Ebay items
Volunteer at local group
Shop for xmas presents
Chase TT for final mobile bill

House
Clean cat areas
Wash bedding
Sweep and wash floors
Vacuum stairs
Reconcile YNAB

Health
Walk to work at least once a day (40min) - Walked last 2 days
Try for 7000 steps a day - Argh Fitbit needs charging :eek:
Take Tablet everyday - oops forgot yesterday
Substitute a coffee a day for a glass of water - Does Orange juice count instead :rotfl:
Follow WW more often
One takeaway a week only - Yup had 2 this week so far

Me Time
Current shows on the go
Vampire Diaries - Loving it, Half way through series now
Westworld - Sooooo confusing
Grimm - Nearing end of S4
Criminal Minds - Not same without fave characters
Lucifer - Catch up needed
2016 Goodreads challenge 60/100 - On with 2 more books this week
Read library books
Rocky Horror Picture Show at Theater next week


Updated yesterdays gigantic list of things to do. .

Went for food shopping armed with coupons :cool:. I managed to save £5 in L1dl and £8.31 in T3sco. I stuck to my shopping list apart from a couple of items...some amazing Spider tights for me to wear to work on Monday and a Dolmio Lasagna dish free with Lasagna kit

Fivebyfive

Money Saving etc
[STRIKE]Ring CB for update - Should be backdated to August [/STRIKE]
Check account for 0neP0ll payout - £40
Check accout for Bank Switch payout - £150
Quidco Payout - £70
Try and earn 50 SB a day- Failed this yesterday
Catch up on 0neP0ll surveys - still to do
Claim free meal at cafe (the thought of speaking with manager when i get there fills me with dread, i wish they had sent me a voucher or something )
Remember free coffee at McDonalds when in area
Aim for at least 15 bring lunch to work days this month 19/21
Aim for 15 NSD's 16/31

Shopping
[STRIKE]Use coupons for T3sco Saved £8.31
Use Lid1 coupon from M3tro Saved £5.00
Buy free Ch3ck out sm&rt products Bought Yogurt for £0.50
Meal plan for the week [/STRIKE]
Try and incorporate WW meals
[STRIKE]Buy pumpkins £0.75p in Lidl [/STRIKE]

Tasks
Arrange Parentpay for DS
[STRIKE]Car Insurance for OH [/STRIKE]
Research Quotes for Tenant Liability insurance
[STRIKE]Help parents with cleaning
Decorate house for Halloween
Movie weekend with kids[/STRIKE]
List Ebay items
[STRIKE]Volunteer at local group [/STRIKE]
Shop for xmas presents
[STRIKE]Chase TT for final mobile bill [/STRIKE]

House
[STRIKE]Clean cat areas
Wash bedding
Sweep and wash floors
Vacuum stairs
Reconcile YNAB[/STRIKE]

Health
[STRIKE]Walk to work at least once a day (40min) - Walked last 2 days [/STRIKE]
[STRIKE]Try for 7000 steps a day - Argh Fitbit needs charging [/STRIKE]
Take Tablet everyday - oops forgot yesterday
Substitute a coffee a day for a glass of water - Does Orange juice count instead
Follow WW more often
One takeaway a week only - Yup had 2 this week so far

Me Time
Current shows on the go
Vampire Diaries - Loving it, Half way through series now
Westworld - Sooooo confusing
Grimm - Nearing end of S4
Criminal Minds - Not same without fave characters
Lucifer - Catch up needed
2016 Goodreads challenge 60/100 - On with 2 more books this week
Read library books
Rocky Horror Picture Show at Theater next week

A bit more accomplished this weekend. :j

I went to T3sco yesterday and spent £8.50 on stuff that i really didn't need but enjoyed it immensely...pepperami, brie, crackers, olives and feta, It was delicious. I am currently watching Hocus Pocus and going to be carving pumpkins with the kids this afternoon

Fivebyfive

OK - so as its last day of the month I have totaled up my NSD and Lunch to Work days

October

18/31 - NSD
20/21 - LTW :j

Really pleased with myself for only going out for lunch once this month -this used to be a daily occurrence! :eek:

I think I really need to look at the guidelines i want to set for NSD's as I think i may have miscalculated some of these. For example if i give the kids spend which is already budgeted for the month, is that classed as spending on that day or the day i budgeted it? Does that make sense?