Giving myself 2 years to get out of Debt

Fivebyfive

Ohhh moving into November!....

I have updated some of my tasks to do or keep an eye on as well as adding a couple of challenges from MSE that i would like to try :money: . I have meals planned for next week and done my food shopping.
Fri - Butternut squash & Bacon risotto / meatballs & toast
Sat - Shepards Pie
Sun -Fajitas & Tacos
Mon- Spag Bol
Tue - Tuna Pasta Bake
Wed - Chicken Carbonara & pasta
Thur - Tea cooked for me elsewhere

Today's dilemma is.... I get paid on the 20th of the month but I want to be able to try go from 1st -30/31st of the month rather than 20th -19th of a month as my YNAB and MSE challenges all run for the full month plus OH gets paid last working day in the month. Is it do-able? Should i change my DD's to come out on the 1st and pretend I haven't got paid 10 days earlier and leave it in the bank? :rotfl:

So, anyway, these are my tasks to complete this month. I'm so excited to see Rocky Horror picture show. I've never seen it live so hoping it is a great experience .

Money Saving etc
Check for refund from B0unts £14.99
Check account for 0neP0ll payout - £40
Check account for Bank Switch payout - £150
Minimum 50 swagbucks earned a day 6 /1500
Minimum 30p in OnePoll surveys a day /£9.00
Claim free meal at cafe
Remember free coffee at McDonalds when in area
Aim for at least 15 bring lunch to work days this month /15
Aim for 15 NSD's /15 (MSE challenge)
Amazon voucher from Swagbucks = £5
Giftcard from Bounts = £5
School Library book lost - book wrote off
No hold charges for Library books at moment

Shopping
Use coupons for T3sco - Clubcard Voucher = £9 off food this week
Buy free Ch3ck out sm&rt products - £1
Meal plan for the week
November Grocery challenge £34.32/£350 (MSE Challenge)

Tasks
Arrange Parentpay for DS
Research Quotes for Tenant Liability insurance
Help parents with cleaning
List Ebay items
Volunteer at local group
Shop for xmas presents

House
YNAB

Health
Walk to work at least once a day (40min) 1 /22
Try for 7000 steps a day /30
Take Tablet everyday /30
Substitute a coffee a day for a glass of water /30
One takeaway a week only /4

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

Fivebyfive

Couponing FTW!

So this week I chose a food shop delivery from 17.00pm to 21.00pm to save a bit of money, Its only cost a £1, the driver will contact me an hour before delivery. Its a good job I don't do anything much on a week night so it should work out well.

I had £7 in clubcard vouchers to use this week and also got a £2 off Roast potato's voucher. I bought a product that is listed on Ch3ck0ut sm&rt at the moment so I will get that Half price.

Spent a fair bit at the Farm shop again today but we have enough Mince and Chicken to last at least 3 months so that's all good.

Fivebyfive

I can't believe its 8 days since i posted. Time has flown!

I haven't been doing so well with the NSD, i still havent had one this month. I've spent on Taxis, More milk and bread from the shop or buying a new school tie for DD (that was yesterdays drama!)

I am still keeping up with taking lunch into work everyday so that's one positive.

OH, DS and I ended up having takeaway for tea as i was cooking a chicken cabonara, the chicken breast i had used had been chopped to pieces and cooked on the hob for over half an hour yet i could still see a pink tinge to it. The outside was burning from being on so long . I wasn't sure if it was my eyes or what but i threw it away as i have anxiety problems and giving everyone food poisoning is one of my panic attack triggers so for my sanity I bought a takeaway :eek:

Update on my list

Money Saving etc
Check for refund from B0unts £14.99
Check account for 0neP0ll payout - £40
Check account for Bank Switch payout - £150
Minimum 50 swagbucks earned a day 6 /1500
Claim free meal at cafe
Remember free coffee at McDonalds when in area
Aim for at least 15 bring lunch to work days this month 6/15
Aim for 15 NSD's /15 (MSE challenge)
No hold charges for Library books at moment

Shopping
Meal plan for the week
November Grocery challenge £34.32/£350 (MSE Challenge)

Tasks

Help parents with cleaning
List Ebay items
Shop for xmas presents

House
YNAB
Flylady this week 1/7

Health
Walk to work at least once a day (40min) 5/22
Try for 7000 steps a day 5 /30
Take Tablet everyday 5 /30
Substitute a coffee a day for a glass of water 3/30
One takeaway a week only 2/4

Me Time
Current shows on the go
Vampire Diaries
Westworld
Criminal Minds
Lucifer
Goodreads challenge 61/100
Read library books
Rocky Horror Picture Show at Theater (OMG it was so good) Im going back next time they tour as it was fantastic)

Kawaii_Corgi

Good Luck on getting out of debt! I'm going to subscribe - and by the way, I'm exactly the same with chicken! Terrified of food poisoning!

Fivebyfive

Kawaii_Corgi wrote: »

Good Luck on getting out of debt! I'm going to subscribe - and by the way, I'm exactly the same with chicken! Terrified of food poisoning!

Thank you, and yeah its awful, I hate the panic attacks that go with it

Fivebyfive

Logged onto banking this morning received my £150 for switching current accounts :-)

Its gone straight on to the Credit Card. :money:

I've also received £7.12 from Ch£ckout Sm&rt and got an email from B0unts this morning to say my refund should be with me in 7 days so I will be paying them to the CC when I get them through

Fivebyfive

Paid another £37 off my credit card this morning, bringing the grand total debt left on it to £1973.01

I managed to to keep up to the flylady cleaning last week so I had a wonderful weekend of doing no cleaning!! I did my nails, re-dyed my hair, browsed the charity shops in my local town and had a relaxing weekend.

Giving Flylady another go this week in between working full time and going to my DS' GCSE certificate presentation evening this Thursday so i will be kept busy.

Fivebyfive

Money Saving etc
Refund from Bounts £14.99
[STRIKE]Onepoll -£40 [/STRIKE]
[STRIKE]Bank account switch - £150[/STRIKE]
Minimum 30 swagbucks earned a day
Claim free meal at cafe
Remember free coffee at McDonalds when in area
Aim for at least 15 bring lunch to work days this month 9 /15
Aim for 15 NSD's 3 /15 (MSE challenge)
No hold charges for Library books at moment

Shopping
Meal plan for the week
November Grocery challange £171.34/£350 (MSE Challenge)

Tasks
Help parents with cleaning
List Ebay items
Shop for xmas presents
DS' GCSE Presentation

House
YNAB
Flylady

Health
Walk to work at least once a day (40min) 8 /22
Try for 7000 steps a day 8/30
Take Tablet everyday 7 /30
Substitute a coffee a day for a glass of water 5 /30
One takeaway a week only 5/4

Me Time
Current shows on the go
Vampire Diaries
Westworld
Criminal Minds
Lucifer
Goodreads challenge 61/100
Read library books

Fivebyfive

Companies are on a roll this week....had my refund from B0unts put in the bank this morning. Only one I'm waiting on is Child benefit and it could take up to mid December.

PositiveStep

Haven't checked in here for a while, looks like you were doing well

How have things been since mid-November?