Starting again

better_times

DebtFreeDuo wrote: »

I did think it seemed like a lot each year, they can be a little confusing the first time you complete them. so this will give you a further £180 per month that you thought you didn't have which, if the SOA is realistic, can be used to hit your target of £800 towards debt each month.

I know I can hit it trust me to put the yearly figure in :eek: I'm still going to try and over hit it as my Debt free date seems ages away, I don't think there is really anywhere I can save much more at the moment apart from meal planning and selling things round the house

better_times

In the bank £3.53
In my purse £57.72
Total £61.25

I only work 2 hours tonight in the shop so not too bad tiredness wise, I paid my Very account of £56.20 I still owe more for a freezer I bought as mine packed up.

DD bought a letter home today her school are going to France so I need to start getting the money ready for that too, £400 for 3 days the deposit needs to be paid once they have sorted out who is going etc I have said she can go as I don't think we will be going on holiday next year I'll have to see what I can sort out, I am thinking maybe going to see my friend in Scotland for a few days and we can stay with her.

Right I'm off to bed shattered tonight working two jobs is catching up on me

better_times

18/10/17


In the bank £3.53
In my purse £57.72
Total £61.25


I need to put petrol in later but that should be all I will spend. I always feel a little panicked when my banks so low but I will be paid Friday so I know I have enough money to cover everything, I think it's seeing the £600 come out and I get nervous.


I'm working tonight I think for 4 hours so that will be added to my purse total, I'm planning on paying £100 on to the rent on Saturday maybe sooner if I get it together in my purse. If I can hit the amounts I want to this month I will have paid £900 off my debts which will be 5% of my total.


Put 2 items on eBay and they both have bids so fingers crossed I get a bit more for them. DD is out tonight with her bf so it's going to be quiet when I get home for a bit might do a bit of knitting found wool and a pattern last night for a jumper my mum bought it me and I never got round to making it, it will be nice to get it done and it will remind me of my mum.

better_times

19/10/17


In the bank £3.53
In my purse £57.72
Total £61.25



I didn't work in the end I was so tired and another lady wanted the money so manned the phones instead, I had another NSD yesterday, I'm slowly getting better with money, I will be working tonight so there will be extra coming in, this weekend me and DD are going to be very busy her bf' birthday is tomorrow so we are going round with his presents which I have already bought his presents and card got some lovely things from B&M.


We need to crack on with the decorating and plus I booked Monday off so I will have a bit extra time to get stuff done. I need to give my freezers a good sort out this weekend and start using bits up, I have enough food for maybe a month or two which is crazy.


One of my items has had another bid on EBay so that's a little bit more to put on debt.

better_times

20/10/17


In the bank £271.75
In my purse £93.50
Total £365.25


Wages of £268.22 went in today I did an hours over time so a little extra this week, I did really well for tips last night £13 from customers which is always a bonus. I do have a few things coming out today, £100 will be paid to the rent from my purse, £87.13 will be paid from my bank as this is the weekly charge so I'm not adding more to the debt as the month goes on. I need to buy some pillows tonight as both mine and DD's are flattened, We have been putting two in one pillow case but they are rock hard, I have seen some memory foam ones in Poundstretchers for £7.99 so I might get two of those as I have a credit note for there from when I took a lamp back and lost the receipt so won't cost me anything.


DD is out for dinner tonight so I have taken a HM roast beef dinner out for myself, I'm working 3 hours tonight although I am very much ready for the weekend I'm so tired at the moment, I am really looking forward to going to York on Sunday, we are going a bit earlier to have a walk round, plus I'm taking my picnic with me I have some frozen sausage rolls, quiche, and cheese sticks to use up some of them are from last Christmas :eek:.


I'm feeling good with the amount I have done so far and the not spending is getting easier, I realise how many times I used to buy bits that I didn't need and it soon adds up over time. Plus the Ecig is finally working I was craving so much it was really annoying.


Well back to work

better_times

21/10/17

In the bank £137.87
In my purse £49.50
Total £187.37

I paid £87.13 rent from my bank and put another £50 on my card towards it too, £47 has been paid to first utility I will be paying another big chunk off the rent next week and it will come down to £253.08 owing which is pretty good.

Lots happening today, all my sofa covers are in the wash the living room is getting a huge de clutter, I have too many books so I am going to take them into Tesco so that I can clear a shelf on my bookcase and put some nice china figures I got from my mum in their place.

I had a lovely lie in for a change I was so tired last night I was so ready for bed, DD is still sleeping as is Bear as they are cuddled up together I love they are so close,

Right off for coffee and get some bits done

Chrystal

Just popping in to say Hi and hope everything is OK, as you've been missing for a while. XX