Don't want to spend my life in debt

enthusiasticsaver

Brilliant work so far. You seem very focused.

Reb2016

So I've just spoken with my bank to see if I can reduce my overdraft gradually as I pay it of, and I can, and also I can reduce it online which makes it really easy. Reducing it as I go along will stop me from using it again so definitely the way to go.

I will add my overdraft to my signature so I can watch it go down. At the moment it is at £1990 down from £2250, I'm going to aim to get it to at least £1950 by the end of Sept, as I have a few things on ebay so that should be doable.

I've found a few more items to Ebay, it's amazing how much stuff you don't need, Narola1976 I know where you are coming from with Ebay being a lot of work, especially as I've just had to relist an item for the third time due to a non payer, I just keep reminding myself of the money.

I've also signed up to NSD September, and will be going for 15NSD days, I'll add that to my signature also. Today won't be a NSD as I need to pick up my Dogs flea treatment, but tomorrow and Sunday should be NSD'S

Thanks for all the comments, they are much appreciated it really does help.

Reb

zippygeorgeandben

Hey Reb - I've found your diary!
All I can say is WOW! Doing really well! Some of those APRs were AWFUL!
I could try and do a NSD with you couldn't I! See who can do 15 days in a month, or even more
I'll subscribe now and keep popping along so you know you aren't a stranger.
Thanks for your lovely comments on my own posts

Reb2016

Lovely to see you here Zippygeorgeandben (love the name by the way) it really does help to have people along on the journey. And yes do join the NSD challenge the link is here https://forums.moneysavingexpert.com/discussion/5701386
Seems I signed up for 17 not 15 oops just as well I had one today, I'll need to lots of planning to make that, and I've also committed to doing 4 in a row, so let's see how it goes.

Today I've made my lunches for work for the week ahead, helps to keep me away from the supermarket and the dreaded vending machine.

Ebay is going well, I'm up to £62, few items without bids but with watchers so fingers crossed, all but 1 ends tomorrow so I'll report back.

Reb

Reb2016

:jSo my auctions have all ended, and after fees I've made £90 which I am really pleased with, as soon as everyone pays I'll adjust my OD and my signature, so looking forward to doing that.

Quiet day today, so not much else to report, sorted out a few more things to ebay, but have a busy work schedule the next couple of weeks, so won't be able to get those on until nearer the end of Sept.

Going to spend some time this week looking out some recipes to batch cook at the weekend, stops me being tempted by expensive and unhealthy ready meals.

Hop everyone has had a good Sunday
Reb

Reb2016

All my Ebayers have paid, so off to update my signature now, Overdraft is down to £1900.00 so that's £350 paid of this month so far.


Will be listing a few more things next week so should be able to get that down some more.


Reb

Kittychick

That's a really good chunk paid off, well done, I'll be subscribing and cheering you along the way!!

Reb2016

Lovely to have you along Kittychick not much to report today, seem to be coming down with a cold, so feeling sorry for myself I'm a bit pathetic when I have colds so curled up with a honey and lemon drink at the moment. Hopefully I can get rid of it quickly as we are very busy at work at the he moment, so no time to be ill.

Reb

Narola1976

Morning Reb, fantastic result on your ebay sales! You are really making good progress and are so focused. Hope you are feeling a bit better? I also felt very sniffly this morning and just really tired, have not been sleeping well, too many things on my mind I think. But coming on here cheers me up a bit as I read how well other people are doing I know that I can do it too. Have a good day x

Kittychick

I'm with you on the pathetic thing, I was convinced I was starting with cold/flu thing last week and we made an emergency stop for meds..... Still waiting for it to develop beyond me feeling abit 'meh'!! In my defence I think I'm a bit run down so maybe it's a wake up call to start taking better care of myself for the impending winter! Hope you start to feel better soon... X