Don't want to spend my life in debt

HairyHandofDartmoor

You're doing well on ebay Reb, I hope those buyers keep buying

I would love a woodburner but think it will be a while before I can afford one.

Reb2016

Thanks for the lovely comments:)
I sold some more things on eBay over the weekend, however this money is already spent. I’ve used some to sign up to weightwatchers, I did well with them last year, but haven’t lost any more since going it alone, and I really do need to lose some more for the sake of my health (keeping type 2 diabetes in check) I got a great offer of 6 months at half price which should see me through to my target weight, so I feel it’s a worthwhile spend. Also I will probably spend less on food, so it may well pay for itself.

I’ve also decided to replace my food mixer, as I really don’t like mine so never use it, even though I love baking, I am selling mine which should cover half the cost, I also had some amazon vouchers from surveys so total actual spent is just £20 so very pleased with that, and making more from scratch will help,with both money saving and weight loss.

What I’m really pleased with is that I really thought about both of these purchases before going ahead, I took a couple of days to decide so as to be absolutely sure, and to make sure neither were impulse buys and that I was going to really use both and that I really wanted/needed them, a real change from when I just put everything on cards.

I also got a nice surprise yesterday when I realised I had a £10 voucher to spend with an online yarn company, they sent me an email to remind me, so I went and purchased some free yarn, which should keep me busy for a while.

So all in all a good start to the week.

Reb

HairyHandofDartmoor

It makes a big difference when you plan your purchases and think hard about whether you really want or need them, such a difference from the impulse buys that got many of us into debt.

It shows how far you have come

zippygeorgeandben

Well done Reb2016 - it's the whole questioning of yourself whether you need something or not. It's also the cost/use argument too isn't it?
Hope WW is successful to you I was going to go to SW at the start of September but I took one look inside the hall and turned back (was dreary and a bit smelly!) so I'm actually just watching what I eat and drinking plenty of water (that's my secret!)
Anyway, I don't like diaries which aren't about the actual reason people start them, to discuss money so you keep on going! Use up your yarn! I'l endeavour to pop along ALOT more frequently. I don't think I did set up that subscription to your diary, so I'll take a look at that now

Reb2016

Thanks for the lovely comments and on the note of value for money first we weigh in today and have lost some weight so already proving its worth

Today I closed a catalogue account that I paid of a couple of months ago, but had forgotten to close, I find it best to close things once paid, as it removes temptation.

Nearly up to £10 on PA, i’ve decide not to cash out until I get to £10 as that’s the smallest amount I can pay of my overdraft, and I want to make sure I use it towards repayments, and not let it just get swallowed up in my bank account on miscellaneous things.

My switch to the cheaper energy supplier has all gone through very smoothly, i’m hoping they will install a smart meter soon, I know not everyone is in favour of them, but as reading my meter involves standing on tiptoes on a chair, :eek: it can’t be soon enough for me.

Reb

zippygeorgeandben

I definitely need to switch the electric company. £98 per month for a small 2bed flat with 2 people living it it who work between 7 and 5 during the week

System

zippygeorgeandben wrote: »

I definitely need to switch the electric company. £98 per month for a small 2bed flat with 2 people living it it who work between 7 and 5 during the week

Definitely! We pay £54 for gas AND electric for 2 people in a 2 bedroom house.

Reb great to hear WW is paying for itself, hope you're feeling good! It's a tough time of year to lose weight so well well done for sticking at it! xxx

HairyHandofDartmoor

I agree with you 100% about closing accounts you've paid off, no temptation then.

I used to have a Next Directory account with £3000 credit available, I'm glad I closed that one down before it got anywhere near that high :eek: Can you imagine if I'd spent all that and I know I easily could :eek:

Reb2016

Time to update the figures again, won’t be such a big amount paid of this month as have a few spends, car to be MOT’d fingers crossed for it flying through, it’s only 4 years old, and i’m not a boy racer and it’s time for my dogs booster, and also need to purchase his flea stuff, I have to have it from the vets, as he likes to pick up slugs and snails in the garden, so has to be protected from lung worm as well.

Hairy hand I know what you mean about the temptation, somehow it doesn’t feel the same as spending actual money.

Zippy I second looking at your energy company I pay £62 a month for a two bed Victorian with very high ceilings.

WW is still going well, I plan to have a break over Christmas because well it’s Christmas

So the overdraft is now down to 1530, I’m going to try and raise that extra £30 I do have a few more bits on eBay so hopefully I should get there.

Pretty sure of what my bonus at work will be next year, so have factored that into my debt free plan, and now my DFD is 21st December 2019, so just after the stroke of midnight on the 31st Dec this year I shall be able to say, next year I will be debt free, which was my aim, not going to let up though, who knows maybe I could knock another month of.

Of to update my figures now.
Reb

HairyHandofDartmoor

Wow that's brilliant Reb, congrats on getting your overdraft down and on bringing your DFD a bit nearer