Nearly debt free diary

jemreading

Looking on my surveys:

- £7.70 on 0nepoll
- £2.35 on prolific (I don't get many survey's on here so I will cash out once it hits £5 I think)

Also we had a letter saying we can renew our tenancy for 12 months (yay!), however, they are looking to increase it by £25 per month (booo!), but we are still getting a decent price anyway, it's just an extra £12.50 to budget for a month.

Hiddenidenity

You're doing amazing

jemreading

Hi Hidden, thanks for popping by

Thanks. It's only the first day of the month and because we get paid on the penultimate working day, so I've been paid 4 days.

I've checked my bank account and I only have one more direct debit to go then my bank will be all balanced and so will my spreadsheet! My money wallets are looking good but I've got a jam packed month of doing things so we'll see how I'll be in two weeks!

jemreading

Today I have:
- been to work for 7 hours
- been gym class during lunch (spin for 30 minutes)
- played an hour of football.

Spends are at: £1.25 for a drink and £3 for football, this has come from using the change left from my gift money which I didn't remove from my purse. If I have any left over from my sports budget at the end of the month it'll go back to my gift budget.

I nearly caved this morning and was not going to make my sandwich but my OH said why am I not making it, which then got me thinking and I made it (so I save approx. £3 on food)

All my direct debits are now sorted and I go an email from Experian who have looked at and made amendments to my credit report (it's because I live in a flat, it's messed it all up!!) so hopefully my score will go up!

jemreading

I missed yesterday, sorry! I've been a little poorly, my stomach feels like it's in knots and is doing twists.

Money situation has been ok. I haven't done any surveys as I lack the energy. The small spends:
- £5 charity cake sale
- £3 lunch
- £2 drinks
- £3 football
- 39p crisps

I'm still on the hunt for a new sports bra and another football shirt got released. I was tempted to buy it and relealised I already have many!

We are off to go ape tomorrow (petrol in car from OH, day already paid for) I just don't feel up to it

jemreading

Sorry all, I've been MIA. I've been feeling poorly and tired and stress of work and life and gym stuff gets on top. Here is a round up of the weekend activities:

Saturday (£10.50)
- Go Ape (paid for!) but were meant to pay £6 for parking (I was meant to pay as my OH paid for petrol so I saved £6 as they didn't charge us!)
- I used my £6 for Chinese dinner (which did not go well with my stomach!!)
- I pay £4.50 in aldi for pop and prawn crackers

Sunday: (£4.39)
- £1.49 after gym
- £2.90 to travel to my parents on bus.

Monday: (£16.14)
- £8.15 on lunch with my friends (knew it was coming)
- £7.99 on headphones (treat money as one of my headphone had no sound and it was really bugging me in the gym!!!)

All of Monday's stuff has gone on my debit card so I need to take my £20 from my treat money and put it back onto my debit card but can do this when in town for work tomorrow!

jemreading

Sorted out my Experian credit report, because I live in a flat it causes major problems.

My score has gone up to a good place and I've now cancelled the free trial:

Spends for the past few days:
- £6 at football (paid for my friend as he paid for my table tennis)
- £5 work out top (primarni)
- £4 Tesco
- 70p drink

I've saved £3 more £1 coins, if I have £20 I may take them and get them exchanged at the bank to have extra money this month.

Still got money in my social fund but that should go this weekend. I have a friends birthday meal and drinks to pay for!

jemreading

I have £30 in my social fund left as I had breakfast after park run this morning (£6 for breakfast but 4 new £1 coins which when straight into my money pot!)

I'm hoping the £30 tonight gets me a dinner, a few drinks and a taxi home.

We also went food shopping.. and £92.21 and £22.21 over budget later we left! I did pick up £10 worth of toiletries for me and then £10 worth of toiletries for household so nothing over on food but still a shame as we only had £70.

I've put shopping on my Credit Card and will it off ASAP. I do have the £70 cash and I'm tempted to put £50 on my debit card and pay off my credit card and leave £20. My debit card is also down to £10.

Honestly? I've lost track of my money this month Trying to figure out where!!!

jemreading

Went out for my friends birthday last night. Spends as followed:

-£17.10 on meal and drink (was so nice though! I paid on my CC as it's contactless so need to pay that off ASAP!!!!!!!)
-£3.60 on a drink
-£6.70 on a taxi

I also put £4 new £1 coins in my pot and I have £35 in cash left, £20 will go back into the bank to pay for my meal.

jemreading

I feel like I've fallen off the wagon lately I can't seem to stop spending (even though they are small it's money I don't really have!!!!) I'm also looking at holidays for Christmas with again, money we don't have

Spends:
- £6.90 on takeaway (y-day as my OH was very hungover and didn't want to eat anything/much!)

NSD today :j and there should be another one tomorrow and potentially Thursday. We have all the food we need now in the fridge/freezer to last us until at least the 26th August when we get back from our holiday. This includes all meals with few snacks.

I need to get back to checking prolific and my onepoll accounts but not been motivated. I've been so busy at work or at the gym or just not at home that when I do get home I've showered, eaten and crashed in bed.

I've been distracted lately, but hoping to get my mojo back! There are 9 days until my holidays and I aim to have 4 NSD up until then!!!