lilmissmup's debt free diary!

misspixierocktastic

Good luck with the saving up lilmiss i have faith in you that you'll do it

Little_Pickle

Hi lilmissmup! Yeah, I should be debt free by May too!
good luck sweetpea!
lots of love,
LP
xox

lilmissmup

Hello all!

Well i rang O2 today (been meaning too for a few days as knew my contract was up in next month or so) to ask when i could cancel my contract with them as not happy paying £30 a month tarriff, was told i could upgrade and they would reduce my payments to £15 a month which includes 200 minutes and 400 texts and can stay on a 12mth contract.

Its 50 less minutes than i have now but i don't use many minutes, mainly text so fine by me!

So get a shiny new phone tomorrow delivered to my work and a £15 a month saving! :T

All helps towards my debt free journey

Little_Pickle

You clever little thing, you!
well done darlin'!

:T

lilmissmup

Well i got paid yesterday and they have missed up my pension contributions for the 3rd month in a row, only been it it 3 mths!

1st month they took too much, last month they credited me what they had taken so was less and this months is the same as last when it should be more again! :rolleyes:

So although i have an extra £8ish this month next month i will have less again, right pain in the !!!!!

Another loan payment on Monday so will be £299.20 less in debt and need to transfer money into my savings too for the early loan pay off, got £380 in it so far, need £1500 by end of May to cut 5 mths off my loan.

lilmissmup

Hello!

Thanks to my shoving all my money into my savings (well as much as i can spare!) i have only £80 left after my final 2 bills to get me though to pay day which is 17 days away, should be ok as only need to get food but i do need to pay my credit card bill too so on slice the pie trying to make some extra cash right now

Good news is i now have £600 saved towards paying my loan off early. Need to raise another £900 by end of May :eek: Hope i can manage it. I am going to be really strict next few months though as it will be such an acheivement once i get there!

Credit card has £600 on it though and i need to pay that off by May too so best get back on STP! :rotfl:

lilmissmup

I am having a right panic today just feeling really worried.

I just don't see how i will manage to raise another £900 within 3 months at the moment and its getting to me as i really want to get the loan paid off early but its just leaving me so tight.

My baby boy Spencer *cat* lost his collar last night so thats an extra £2 i have had to cough out as he can't go out without one, i am supposed to be visiting family Friday and have got my train ticket but no spending money. Its 12 days until pay day and our cupboards will be bear by then.

I am trying to eat healthily and lose weight but i tell ya thats expensive too! :rolleyes:

I want to book our holiday for early June too, i have £600 clubcard vouchers for it but still need another £300 plus spending money. Think i am putting myself under too much pressure.

Been considering opening my sealed pot as i know theres at least £70 in there which could be put towards my loan but i would feel bad quitting the challenge so early on!

lilmissmup

Well i am feeling a lot better than i was when i wrote that last message, i stayed up until Midnight hammering slice the pie and got £10 to transfer into my paypal account (which is still sitting there).

I had to travel to Basingstoke on Friday and the train ticket cost me £32 but i did it through pigsback and got £16 back so that was ok, just a pain i have to claim it in vouchers.

I had 2 John Lewis/Waitrose vouchers to use so used one the other day in Waitrose for food and gonna spend the other tomorrow too.

Only thing is its my best mates birthday night out this Friday and pay day isn't until Monday, i have £18 left in the bank so might have to ask my Dad if can borrow a tenner to go out as Nick doesn't get paid until 29th and just has enough money for his beer and fags. :rolleyes:

mariagti

Hi:hello:

Just caught up on your diary. Did you crack into your sealed pot in the end? I often look at my piggy and wonder how much is in there. Martin always says use saving to pay off debts!;) ...So ive cut down what i put in piggy to just silver coins now.

Well done with the slicethepie :T I get bored of it now the money per track has gone down. It takes 4eva to get anywhere!

lilmissmup

Yeah i am now only on 4p a track but need all the money i can get!

Nope pot is still going and has been fed nicely as i just can't bear to part with any £2 coins i get :rolleyes:

I just think how it will all goes towards christmas or a mortgage and i would be ashamed if i broke into it 2 months in