lilmissmup's debt free diary!

lilmissmup

I am getting a bank charge which is a pain but its only £10, £5 per day so they have obviously reduced them due to the bank charges thingy as it was £25 last time i went overdrawn.

Think i now have £60 worth of fines since joining them last year i need to claim back...i should probably do something about that along with HSBC! Although one of the £25 fines was because Tesco took the money out twice for a grocery delivery and i actually managed to get the money back from them lol. Can always do it again though

thepinklady

Hiya Lilmiss :hello:

Two weeks until your holiday now, I bet you can't wait! I love shopping for holiday bits, i write a list a month before i go because so many bits i don't want to forget! How long are you going for?

Definitely get your claim restarted, I must crack on with mine but i never quite get around to sorting out the letters etc, I think I'm just lazy!

Whoops, nearly just broke my laptop, watching the footie, united scored and I jumped up not thinking about my poor laptop, its fine though, phew!

lilmissmup

Hey,

Only 4 more working days until my holiday now and only 10 days until we go!!!! :j

Today was payday thank god but i have spent £70 already! Well £86 but Nick will give me the other £16 back as i brought him beer in Tesco. Spent £6.49 in Lidl on Charmin loo rolls, 24 pack, i got one a couple of months ago when it was £5 something and still have 3 left so well stocked up on loo roll again! :rotfl:

Went to Tesco too after work (Gained over 300 clubcard points with vouchers) and they were selling HP Printers for £30 on offer 1/2 price and my printer packed up ages ago and i have to print everything at work which is a bit of pain and if its private i would prefer to do it at home so guess what i brought!!!

Means i can print money off coupons again though!

Worked out the bills for this month are £264 (everything is paid by DD) plus rent £550 and council tax is £120 but my nan has given me another £100 my Dad told me today just incase i need it for holiday but i think i am going to use that towards the council tax as we have 710 Bulgarian levs and i think that should be enough as we are going AI so in total i have to pay out £417 in bills this month plus £300 loan and i need to work out how much i can afford to pay off card with the holiday coming up, don't want to pay too much then be skint even though i do want to get it cleared by end of june so only have to pay 1 month with interest.

Going shopping in morning for holiday bits, hoping to not spend more than £50 but i might get carried away

thepinklady

Wow - not long now till you go, lucky thing.

I really need to get a new printer to connect to my laptop, what is the one you've just got like? I might have a look in Tescos!

Have fun tomorrow shopping for holiday bits, don't forget the sun cream etc

lilmissmup

Its a HP Deskjet D4260, fairly basic but will do the job for me.

mariagti

Arh! Bless your nan what a sweetie! My nan and grandad give me the odd £2 to buy 'something nice' with sometimes...they forget im nearly 25!

lilmissmup

Shes lucky that she has 4 pensions (2 work and 2 state) coming in and no mortage but the sad thing is so only has most of her money as my Grandad died whilst still at work so she got his life insurance, pensions, etc.

lilmissmup

Well ahem the £50 spending budget went out the window but i did get loads of clothes for £112!

And i have to admit it was fun buying!

Went to New Look and spent £60 and got 2 pairs of jeans (1 x £20, 1 x £10) 2 pairs of shorts (£10 and £8) and a pair of sandals (£12). And was really excited as they have finally started selling 28" length jeans which is perfect for shortie me!

But my best bargains of the day was Primark, i got there at 9ish as its so busy in there most of the time and it just does my head in!

I spent £52 in there and got loads! 3 Bras for £11, 1 Pair of Shorts for £6, 2 Lacey Crinkled Vests for £4 each, 2 Plain Vest Tops for £1 each!! 2 Plain T-Shirts for £2 each! A white coop neck style top for £5, A really lovely evening flowing top with African beading on the neckline for £6, A pink dip dye vest for £6 and a Red T-Shirt with Stars on for £4.

I could have brought more, i had to stop myself but 14 items for £52, well chuffed with that, would get jeans etc from there too but all too long.

Got loads for holiday now though. Although i do want another pair of Birkenstock's and found a lovely pair on Amazon and think i might get them, i have a £5 gift voucher in my account that would cover postage but i am just pending £1 on my valued opinions account and want it to clear as could get another £10 off then!

Waiting on a boots voucher from pigsback before get toiletries.

Also spent £10.89 on a card and waterstones gift voucher for Nicks mums birthday (get that back) and £2.80 on bus fares.

So yeah that £100 my nan is giving me has been spent already!

thepinklady

Hey Lilmiss,

WOW - that is a lot of holiday clothes for £112 - well done you!!!! :T

I went in primark today, OH MY GOD it was packed and more stuff was on the floor, it was horrible. I'm never going in Primark in the afternoon again, you done the right thing and went when it opened!

Birkenstock's are brilliant, so comfy too. I still have my pink pair from hols last year and they are still in great condition, I do want another pair though, I have seen a nice light greeny colour, i think I'm going to get them soon!

lilmissmup

I just have updated my signature with my debt totals, i am now under the £2k mark and managed to pay off £613.29 on my debt last month! Woohooo! :j

I now have 5 loan payments left of £299.20 and £318.41 left on my credit card, i only got charged £1 interest so not bad!

So aiming to have card cleared by end of June and then try and save a little towards the loan and see if i can pay it off a month or too early but not sure if i will manage it as need to save for the £400 brace payment at end of July.