Shopsalot - does exactly what it says on the tin..

redrabbit29

shopsalot wrote: »

I hope people dont feel i am gloating - i am writing it all in detail so i cant lie to myself

Not a chance! I've only been on this site for less than a year but it is really obvious that 99% of it's users are very friendly and genuinely want to help and support others.

I'm quite like you, I like sharing my progress and failures with others as it helps document how I am doing.

GettingThingsDone

Keep up the good work shopsalot and thanks toto for the Grazia tip - I'll quidco a subscription as a prezzie!

gtd

shopsalot

Well – I failed on the NSD yesterday – I bought some cigarettes (yes I know they are unhealthy, and I have cut down and am trying to give up – but this is not what this is about)

And today I am getting my nails done – (yes – in know – shallow as a puddle on a hot summers day) but this appointment was arranged prior to Monday when i decided to do this, and i cancelled my hair appointment, so one step at a time.

So for two negatives I need to balance out with a couple of positives.

1. I will not enter a shop on Saturday. Usually this is my shopping day, it will not be fun, I will have to do housework or something L
2. I will not shop at Waitrose this week and i will spend under £10 on my weekly shop. I have that voucher from Wednesday – so I will only spend £5 cash.
3. Anything I have left from the Weekend will go onto the O/draft. Therefore Monday and Tuesday will be NSD’s.

Will this redeem me???

Hopefully by Monday I will be feeling very pure, and a little richer.

Hope everyone has a pleasant weekend.

Lindsay-Lou

Hey Shopsalot,

Well done, enjoy your weekend and keep up the moneysaving!:D

elantan

oh i think your brave i couldnt even imagine trying that one good luck

shopsalot

Weekend on self promises went very well!

I didnt enter a shop on saturday - built up my piggy points instead!

I didnt shop at waitrose - i used my £5 voucher - did spend £11 not £10 though - £6 net.

Didnt spend the £128 after all. So have transfered £100 to O/d. WIll transfer remaining £28 on wednesday when weekly "salary" comes through. Cash account is at its limit and i dont want to risk charges incase i have forgotten something.

NSD today and tomorrow - fingers crossed!

Moved some money and updated some figures for motivation!

What have I done today to become DF??

Today I will....
Put the Clicks guide that EagerLearner sent me into action
Joined the £10 per day in October challenge
Move the Balance on my BC that should be on our house account but i have been too lazy to do so the interest is being paid by me!

Question though - does moving a balance count as a minimum payment or do I have to pay the minimum and move the rest

Good luck all for the coming DFW week!

elantan

looks like your on a roll now...dont think there will be any stopping you...

i think you still have to pay the minimum balance though not sure

esthomizzy

redrabbit29 wrote: »

How are you "paying yourself" the money? I have a HSBC account that all my pay goes into, all my bills are debited from and it's my main account. I set up a nationwide current account, and each month I pay £75 in to it.!

That's how I do it too. Otherwise I find it hard to stick to a weekly budget.

esthomizzy

Having read to the end welcome shopsalot. I'm glad you decided to stay. I am a bit of a lurker on this board as lots of people would consider that a mortgage isn't proper debt. However because I had to remortgage to buy my ex partner out I now have a very high level of debt compared to my income and I'd like to bring that back to be a bit more balanced. I had to take out this mortgage in order not to lose my flat and I find it challenging to make ends meet. Also I'm a glutton for punishment/insane and I've set myself a further target of trying to overpay by £200pcm to bring my mortgage term down by 5 years. Since my spare cash is non existent now all this has had to come from hacking back my expenditure and cooking old style (good job I like cooking). If you hang around on here for longer you'll probably naturally start becoming more tight!

Good luck with the journey

shopsalot

Big thanks to the contributers to this thread - your comments keep me motivated.

I definately recommend "paying" yourself weekly into a separate account - not only does it limit your access to cash but it helps to condition your spending again and learn how to going back within your means - or at least thats the plan! Everyday's a school day!

Oh - and definately getting tighter - living of stocked freezer food until emtpy - should keep us going two weeks - OH very happy as he gets everything with chips :rotfl:


Soooo...

NSD yesterday - yay!

Moved the house debt to the house card (we run our houses like a business) - yay!

Joined the £10 per day thread and I am way ahead - not going to count my chickens yet though - still a long way to go!

Spent a lot of time on the internet yesterday and today signing up to cashback websites and surveys , if i keep up the momentum should hit the £10 per day.

Made about £67 on ebay - not in my figures yet as postage and fees not yet calculated - will update tomorrow.


New Challenges:A

Tonight I will list another 5 items on ebay.

I will go away and click some more on those cashback sites now.

Still have not bought Grazia - so no shopping urges - will continue this week also.

Will do some ironing (not money saving but i need to get it done!)

Cant do much more - hope i dont loose the momentum here