lilmissmup's debt free diary!

lilmissmup

I really couldn't move home now as i couldn't bear it lol plus my Dad has had ME for last 3 years and needs his peace and quiet, OHs family wouldn't have room plus kittys to think off.

It might take longer but would rather be here until then!

Snafflepants

Hiya,

Well done on your ebay selling and all the vouchers - I was thinking about having a break after the run around I was given by one buyer but after reading the 'What have you managed to sell' thread I have been re-inspired!

My best friends mum passed on her 20th time and then that was in an automatic car. She still drives miles out of her way to avoid roundabouts bless her - it drives me mad! I drank loads of redbull before my test and spend the whole test high as a kite! I was so nervous and for some reason back them could only drive in 3 inch heels!!!!:rotfl:

Take care

Snaffles x

lilmissmup

Well it was payday today and its flying out the bank already :rolleyes:

I was a lil naughty last night and ordered a dominoes pizza online for £16 (used 25% off code) and then Duffys album on Itunes for £7.99 (via quidco!) as knew it would be ok as money in bank today.

Got paid £974 after tax and pension deductions (this new tax rate has only made me 3p less off and my pension amount is finally correct after 4 months!)

This morning transferred £75 onto my Tesco clubcard plus for Food and £10 into HSBC as i went into my fee free £10 buffer soon with them on my old current account (which is now used for OHs quidco payments).

Took £30 out for me hoping it will last tomorrow night as well when i go out but spent £3.36 on lunch in garage and then £19 in Sainsburys on essentials (bread, milk,potatoes) and treats (barcardi breezers,red bull) so thats pretty much all gone!

I blame OH for taking me near Sainsburys....

Also today i have lent OH £100 until next Wednesday so he can buy fags, beer and GTA 5 next week. But at least i am getting this back!

Think gone a little stir crazy with finally having money in the bank again :rotfl:

Am out tomorrow night so thats gonna cost money but i need a good night out to cheer me up and see my mates including my best mate not seen for a few months as lives in London and then Sunday will need a fry up so me and OH have already set a date to go to local greasy cafe then.

At charity shop tomorrow during day which means i will prob end up buying too!

Monday i get back on the bandwagon, money and weight wise lol.

mariagti

Im going to have to tell you off! £16 on a pizza! :eek: When you could have brought a pizza from supermarket for £4 max. And arent you on a diet hun?! :rotfl: Your slipping girl!:p

And your going to a greasy cafe sunday! Cant you cook one up at home for cheaper?

Hope your night out cheers you up though hun. As you have been down past couple of weeks as you've said.

Hope you will get it out your system and be back to moneysaving ways by monday then!

lilmissmup

I know i know :rotfl:

Yep Monday i will be back on the bandwagon i promise.

I will try and persuade OH to cook me a Fry Up but hes just as bad as i am...and i do love that cafe

Snafflepants

Hiya,

What do you think of Duffy's album? I have one main complaint - its too short :rolleyes:

I love it though - I went to see her last month at The Social in Nottingham and was literally about 6 foot away from her! Being only 5ft myself though I still couldnt see that much :rotfl:

Anyway, she was awesome live...bet that pizza was yummy though....

Snaffle x

lilmissmup

Hiya Snaffles

Yeah its a good album, with ya on the small thing, i am 5ft 1!

Well signature has been updated today as another loan payment paid and nice to see a total under £2500! A nice feeler that it should be under £2000 next month

Plan for rest of week is to not take any more money out of the bank, have £9.50 left in purse which covers Magazines and other treats, Tesco delivery coming Wednesday for £50 thats already accounted for on Clubcard Plus (only shopped online as had a £10 off code for one of my accounts) and i need to go to Iceland but got £22 worth of vouchers for that and need to empty freezer first anyway.

Once i get the £780 Nick owes me on Wednesday for bills etc i can budget how much i have to pay off credit card and for my mates wedding etc.

lilmissmup

Right worked out my budget already!

Got £110 left in bank at moment.....

Nicks give me £780 on Wednesday when he gets paid so thats £890.

Have to pay

£120 Council Tax
£300 To my Dad for loan payment (explanation of this in last page i think)
£28 O2
£19 Sky
£40 Water
£40 BT
£32 Gas and Electric
£12 Cat Insurance
£50 Clubcard Plus (Pay by DD but its my money just have to spend in Tesco but can withdraw too)

Leaves me £249 for month after all bills as food accounted for. I need to keep £150 of that for wedding outfit and wedding night out, hen night and also my haircut and brothers birthday pressie although will hopefully have some left over.

Which means i can pay off £100 on credit card plus transferred £140 from paypal into bank tonight and got £50 from quidco so thats £290 more off my debt

mariagti

Your water £40 is that for just a month? Its very high if it is.

lilmissmup

Not on a meter and can't get one as landlord won't let us.

Its £40 for 10 months, 2 months off like council tax.

Nick has a bath every morning though so would prob be more expensive on a meter!