Are we nearly there yet?

Pauper1

£1 PAD & 6p penny savings. Today should be my 4th NSD - coffee & lunch packed for work, and will be parking for free further away as doing the school run first.

12p Kroo interest 
8p Paddy Power (puts me at £47 exactly!)

I've checked all my spins and surveys. Nothing really happening. If I can make it over to the big town after work I might be able to get a £7.50 mystery shop job. I need to return a parcel and pick one up as well, so I'll be going at some point this week anyway.

Updated my outgoings spreadsheet and I'm at £477.03, with only £170.87 left in my bank account. I've still got a £130 Aqua payment and £182 John Lewis payment still to come out. Plus two weeks of food shopping to pay for before any more planned money comes in. Funnnnn. If I can make enough money to stop me adding anything to my credit cards, and maybe only going into my overdraft by half what I usually do, it'll still be massive progress.

Pauper1

I've counted today as a NSD even though I had to pay for parking to return the parcel. Seems unfair to me! It was 50p cheaper than posting it back... I didn't have time to do the mystery shop, which is a shame.

Found £2.01 around the house. £49.01 is not as nice a round number 🤣

LzzyIsGod

Hope you find another 99p!! I don't like non rounded numbers either 

Pauper1

LzzyIsGod said:

Hope you find another 99p!! I don't like non rounded numbers either 

Thanks! It's just super satisfying when things add up exactly, especially accidentally! So fingers crossed haha 

Pauper1

Got a £25 Tesco voucher from Mistplay, which is going to be incredibly helpful! It also brings me to £74.01 in total, so I'm 43% of the way towards my January target and it's only 6 days in 🎉

Pauper1

£1 PAD & 7p penny savings done. Coffee, breakfast & lunch packed for work. Now off to the gym and will park on the further away road in anticipation of the school run this afternoon. Should be my 5th NSD.

After my first week back on it:

£7 extra payment to the highest interest credit card
28p penny savings
5 NSDs
£74.01 towards make £2025 in 2025
3lbs lost 

Pauper1

£1 PAD & 8p penny savings done.

It won't be a NSD today as I need to get potatoes, dog food, milk, oats and snacks for the smallest's nursery lunches. But that will be all I buy! Going to try and only use cash from "made" money for groceries until payday, so it's almost free 🤣

I worked out this morning that my total debts are down £19.15 after a week, even with some of them adding interest etc. I'm sure it'll fluctuate massively as interest and payments go in and out, but that's made me feel so positive!

I don't think I mentioned on here that I was told a couple of days ago that I have high cholesterol, which came as a massive shock. I'm 35, a vegan, don't smoke and rarely drink. My mum has the inherited type of high cholesterol so it was likely at some point I guess (she's a healthy weight, runs marathons, climbs mountains, also vegan, and eats way more healthily than me!). My only real risk factor is that I am overweight, and I had already started with the weight loss mindset for this year but I really think this has come at a good time as the only other time I've been able to successfully lose weight was when I was suffering from health anxiety especially around heart/veins/blood 🤣 this has spiralled me right back there and everything is making me think I'm going to clog my arteries, so I'm expecting the weight to drop off now 🤣

I also won't be eating takeaways or loads of chocolate as I won't be able to cope with it mentally, so that's also gonna force me to save money! Even though I am still motivated at the moment anyway, if I had a wobble the panic would stop me! 🤣

Pauper1

Spins and surveys done. Withdrew 64p from paddy power. 

I just won £4.43 on coral free spins but it needs to be at £5 to cash out.

Seeing as I will be spending today I have requested a £3.30 TGTG groceries box from our little Co-op for this evening. We don't do it very often but we did find that Co-op was great for getting useful stuff and my OH will eat anything 🤣

Pauper1

£15.18 on food shopping - dog food, carrots potatoes, broccoli, salad, oats, milk, and baby girl wanted a pouch for 45p.

That makes it £98.12 for 8 days so far. This coming few days should be fairly cheap for me as OH bought the Gousto box. I made a huge pasta bake yesterday too so if the kids need anything extra they can have the leftovers.

Sarahwithlove

Do you and your partner keep finances separate? How does it work for food shopping etc for you? Just wondered if you had reviewed what you are both paying out for and whether they could help out at all to free more money towards the debt?