Nearly debt free diary

fay66

jemreading wrote: »

I feel like this diary is going.. well? It feels like I’m talking to myself (which is fine, I do this on a daily basis )

I’ve spent 90p on orange juice for the week rather than buying individual juice. I may also buy a big bottle of pop for £1 and put it in the work fridge rather than buy individual bottles!!

Still having problems with my laptop, I’ve given up!![/QUO

Hey Im reading all diaries , Ive got same amount of your debt in 2015 £9500 so some luck for me


I dont tend to reply sometimes, I cant give advice because Im a bit down

jemreading

Hi Fay, thanks for popping by.

You can get there! Sometimes this debt busting business can seem like such a long hard slog, but it will all be worth it in the end.

jemreading

Confession time..

I got my OH Christmas presents on my credit card, they are all paid for and out the way so I just have to allocate the money I spent on his presents straight back to my card, which means my gift fund on Wednesday will go down. I will admit I overspent by £13 but I will be underspending on my dad as he now only wants a jumper for £11 rather than the £25 I had budgeted for.

I’m not too upset about it as I know I was going to buy his gifts anyway and I have no other time to buy them as I’m going to be really busy for the next few weekends (other than next weekend when ironically we are Christmas shopping together!)

I also got the final presents for my two friends (a whole £5 spent) and the final stocking filler gift for my sister (20% off at Debs, which was on my to buy list anyway) may as well save a grand total of £1.40.. every little helps

jemreading

I spent the final change in my purse this morning. Coffee was needed as I’m working from 9am - 6:45pm then dashing to the football afterwards so don’t be home until 10:30pm.

I donated £2 to UAVA charity bake sale (where majority of my purse money went)

My colleague got me a drink for helping her carry round an expensive art piece through town and back to work!!!

Enjoying a lovely salad for lunch :rotfl: salad is really not a winter dish!!

fay66

Keep it up Im reading

jemreading

Thanks Fay

I have just made £5 on prolific academic for completing 5 surveys. Took about 30 minutes of my time. Once it is all approved I can get the money as I’ll have £8.88

Still at work (having a quick break!) just thinking about payday tomorrow, and my lack of internet banking opportunities.

I need to go in and ask why I’m locked out my online account!

jemreading

I’ve just been paid :j

I’ve rounded down the amount in my bank account, so no odd pennies before things go out.

This month I’m going to wait until all my direct debits go out then make my credit card payment. Sometimes I get the urge to overpay and then have to put stuff on the credit card, which is what I am trying to avoid doing.

I need to get out: £100 shopping, £100 gift, £50 travel, £100 entertainment and £20 sports. This way I know I’m going to have enough to see me through until.

I’m hoping I won’t hit December pay until the end of December. My last Christmas social should be December 21st (which is also pay day) but this has all be budgeted for in November pay. After the 21st December all I should need to pay for before the 1st January will be petrol to get to my OH parents house.

I need to check my £1 coin collection. I admit to using the last of my coins to get me through the month but that’s what they are there for.

jemreading

I’m so glad I work flexible working hours as I’m still currently in bed :rotfl: will aim to get in for 9!

I need to check if anything has gone out the bank and cross it off my list. With no working laptop I’ve had to write it all down and keep notes of everything that’s gone out.

I’ve been trying to persuade my OH to get a savings account since Saturday but he still hasn’t done it. He keeps thinking the money he earns he has without taking into account his overdraft. I’ve told him to save some money in an account and once he has enough transfer it back to his main account.

I need some advice re the situation above. As my OH has an overdraft if he wanted to switch his current account to another bank would he have to be able to pay his overdraft off first? I’m not sure that if he switches account it means that they would close his main current account once he switches to a new bank? Or would the overdraft remain?

jemreading

I’ve also made quite a bit of money from prolific academic over the past couple of days. Just completed another 4 surveys, think I can cash out now.

I’ve not decided what to do with survey money, will put it in savings for now. Every little helps!

Florence_J

Hi Jem, I'm not 100% sure, but I am relatively certain someone would have to pay back their overdraft before switching bank accounts.

There is a way around this, in the same way you can get balance transfer cards you can get a card which is called something like a 'money transfer card' which would transfer money to an account, in the same way that you can transfer a debt to a balance transfer card. I think you can get 0% interest cards. It is a debt, it would have to be paid back, but if it made financial sense it might be the way forward.