Unsinkable

HairyHandofDartmoor

Sounds good re the card. You're going to be on tenderhooks until Friday, hope you get the news you want.

[Deleted User]

Hi,

We are nearly at the end of September and rather than waiting I thought I would get my October goals written down.

First though...September review

Good points:

Managed a fair few AFD's
Managed to take my lunch to work lots of times
Went for a job interview - Didn't get it
Managed to put something in the pots account
Meal plan going strong
Surveys are my lifesaver at the moment

Bad points:

Still overspent on the groceries despite trying to use up the freezer
Didn't hit my NSD target
Didn't hit my AFD target
Haven't hit my lunches to work target
Still working for the same @rsed company
BC has gone up due to DH's accident (excess), new tyres and brakes **rolls eyes**

---

Now on to October

October is going to be better, it has to be and a few hiccups in September doesn't mean October will go the same way.

Goals:

• 10 or more AFD's - Keep track
• 10 NSD's - Keep track - I think I need to define what I class as a NSD
• 15 Lunches to work days
• £10 per week allowance and keep track - doesn't impact my NSD's
• Meal plan
• Keep an eye on the food budget
• Hang the washing out if the weather will be dry enough
• Pay more off the BC with PA money
• Build up Onepoll to cash out and pay off BC
• Find a new job!

NSD's what I don't include:

DH's Nicorette
DH's contact lenses
Prescriptions
Diesel
Monthly travel card
Monthly parking ticket
Kids lunches at school on Fridays - they don't get many treats or pocket money and I feel they should be rewarded for good behaviour at school.
My £10 allowance per week - £2 allowed per day
Weekly food shop/top up shops

---

Besides the above, I want to keep up with the reading and get more early nights in.

Small adjustments for October, so we'll see how we go on.

Back later once I have got an updated total on the debt.

[Deleted User]

Didn't get the job, aparently I wasn't a good fit!

Back to the drawing board

Hiddenidenity

Goals look good! Makes me want to look at mine! x

Boo about the job cross posted It just means it wasn't the right one! The right one will come along x

debtaghh

Sorry to hear you didn't get the job. Hopefully the perfect one will come real soon!

[Deleted User]

Back again.

Surveys:

PA: £1.25 + £1.90 pending
OP: £32.05 - need £40 to cash out
PP: £6.85 - this one is so tedious, need £50 to cash out
VO: £2.75 - need £10.50 for voucher

Updated Debt as of today:

MBNA: £7400.00
BC: £5256.10
Cap One: £547.06

Total: £13,203.16

See a minor glitch in things but not something that can't be rectified

The MBNA is on 0% fixed until 2019
Cap One is being paid off solely using survey & cashback money
BC is the one with the higher interest.

I haven't counted the OD yet, until I need to.

My main focus is the BC, it did help in a way that I paid off a lump sum of £500. Between now and Christmas I want to try and get the BC down to a nice £4000, but I am not going to kill myself doing it.

Debating not paying off DD's travel and ploughing that on to the BC instead? but if I do pay it off, it'll save us £67.50 pm which is quite a nice chunk.

This weekend, I think I will go through the kids clothes and get them up on eBay, that'll help get rid of the Cap One card quicker.


ETA: DD's travel has now been paid in full - one less thing to worry about.

MeandO

Sorry to hear about the job purps, fingers crossed the right one is just around the corner xx

redofromstart

Hope the right thing comes along soon

plush_2

Sorry to hear you didn't get the job! Everything happens for a reason x

Love your idea with listing monthly goals. I (kind of) do weekly ones, but only in my mind.

HairyHandofDartmoor

Great list of goals to keep you focused.

Shame about the job but it obviously wasn't meant to be. Something that's right for you will come along eventually.