Nearly debt free diary

jemreading

Hello! So, we survived the wedding :j we had a wonderful day, it's just a shame the trip (107 miles each way) knocked us both out a bit.

Good news.. I didn't have to spend my £20 at the wedding. I only had two soft drinks and my OH got them both for me.. Other news, the £20 I did have has gone on our weekly shopping but that's fine, we need to feed ourselves which is what we've done for the week

Back to money business, I have:
- £10.72 in my prolific account
- 86p in my topcash back (I'm rich!!) waiting for another £7.54 to be payable
- approx. £50 in £1 coins (need to double check)
- £63.60 on debit card
- £17.99 in savings

Things I'm doing this week involving money are:
- My birthday party on Friday night (should be approx £30)
- Birthday coffee for my birthday on Wednesday.
- Football matches on Tuesday & Saturday. This will just be me taking in a drink (buying one for £1 rather than the £2.20 in the football stadium!!!!)

jemreading

Can someone make sure my light bulb is firmly switched on? It was starting to flicker..

I started looking at Christmas presents online - 3 for 2, stocking fillers and so on and ended up looking at holidays so I gave myself a shake and told myself to close it down, look on prolific academic (there was a £1 survey for 5 minutes of my time :j and to come on here - so here I am!)

I'm back on my spreadsheet and have worked out that I can be debt free, by making what I would call a reasonable amount of payments, by the end of January.

I did buy more holiday at work (5 days for approx £74 per day) but I don't think I will need to take it (I have two days of normal holiday for Christmas and have 5 days off in November) so I'm seeing it as a savings pot and if I don't take the holiday I'll get all my money back in my January pay.

Scott_Weiland_2

Stayed focused Jem your doing well.

jemreading

Thanks, Scott. Only 5 days until payday.

Prolific academic is keeping me going, a slow stream of surveys are coming in.

jemreading

Today was a low spend day. We had a last minute lunch meet up. My friends all got expensive and nice coffees, lunch and cake but I just got a drink for £1.50 as I had my lunch waiting for me back at the office (small victories!)

My parents also dropped my birthday presents over today I also decided that for my birthday on Wednesday to cancel the coffee drink with my friend. I saw her today and I'll see her on Friday for my meal.. I think I'll save the £2.50+ I would have spent on coffee and go to the gym during my lunch hour instead (really living life!)

I've done 4 surveys on prolific today. Just waiting for £3.28 to turn from pending and I'll be up to £14.20! I think I've become obsessed with that website because I keep checking every few hours.

jemreading

As we get to the end of the month there is not much to report but writing in here helps.

I'm working from home today so I counted up my £1's and can confirm that I have £55 :j I'm going to use this as part of my spending money for Prague. I'm exchanging £150. We get our breakfast included at the hotel and we should be able to walk everywhere as we are a short distance from the main parts so we only need 3 dinners as we get in late on Monday evening and leave early Friday. I'll probably push the boat out and buy a fridge magnet or postcard whilst I'm there!

I've also tracked all the social events I have coming up next month, and then allocated an amount I can take to each event. If I have some left over from the first event I can roll that into the second event and so on. Most of the events are late on in the month so I just need to remind myself the money is allocated and is not to be spent

Scott_Weiland_2

jemreading wrote: »

Thanks, Scott. Only 5 days until payday.

Prolific academic is keeping me going, a slow stream of surveys are coming in.

Same here Jem i am getting 2 or 3 each day i am tight though i just dropped the money the minute i go above a fiver. £5.18 came in today 8 quid odd is in pending.

jemreading

Nothing wrong with taking the money once it reaches the £5 limit! I’m just waiting for some pending transactions to go through so I may as well wait until they do!

I have about £12 and £6 pending. I got a good survey last night which was worth £3 alone!

jemreading

Birthday perks, I have received a few gift vouchers so I have these as part of my “treat” fund for next month.

I did spend some money in M&S buying biscuits and cakes for my work colleagues to enjoy today but I had the money on my debit card for that.

I’m going to cash out on prolific as well today, every little helps!

ShannonP_

Hi!

Newish to the site but just read your thread. Enjoyed the read!

I don't know if this will help, but this way of thinking now makes me think twice before I buy things such as clothes/trainers. I only allow myself to buy something if I'm willing to sell or donate to charity something similar I have at home. Of course there isn't a 100% success rate, but if I see a nice pair of shoes I think, ok well which pair at home would I get rid of.

Also try and sell any things you have laying around the house that you simply don't need or use anymore!

Have a good day :-)