lilmissmup's debt free diary!

lilmissmup

Well only 6 days until pay day now and have £12 left in bank!

Food all brought with my £20 of Waitrose vouchers from Pigsback so no need to spend money there.

I have got £19 coming into my bank Thursday from Rpoints but its my best mates birthday night out Friday so thats my spending money, i feel a little guilty spending it as any extra money i make all goes towards the loan being paid off early and i really want to save this but i can't not go out plus i need a night out too really!

On the plus side my O2 bill for this month is only £10 due to changing tariff and being credited for last month due to it. Its normally £40ish so the extra £30 will go in the savings for loan

Got £10 in Paypal from STP and really need to do some more but can't be bothered really! What with work, usual daily clicks etc and also trying to exercise (lost nearly half a stone!) i don't have time to do that plus its boring unless i have had a drink :rotfl:

mariagti

:T :j Well done on losing half a stone thats great news!:j :T

lilmissmup

Well its pay day tomorrow although when i logged onto banking this morning its already sitting there nice and pretty!

Got another council tax free month this month so thats £110 into savings towards loan plus going to put the £30 i would spend on my O2 bill normally so thats £140, just need to find another £160 at least to go in savings to get to £900 by end of March.

Its doable but i am gonna have to behave again this month and put all spare money towards the loan. Although sometimes i have being so boring and saving money,sometimes i get in a well bad mood because of it!

Spent £14.40 today on card and birthday pressies for my mate and brought some woolworths worth it glasses and lunchboxes for about another £6.

Also took out £20 cash and lent OH £42 to get new xbox game but get that back Friday anyway .

Gonna try use this diary more this month to keep track of every penny.

lilmissmup

Evening!

Well pay day was Monday and i put £150 straight into my savings so i am now halfway through my goal to reach £1500 by end of May to pay off the loan 5 months early

Only problem is right now i only have £86 left in my bank (rent goes out my account day after payday) but i get £640 from OH on Friday when he gets paid, have to pay my loan payment and thats £300 so after that i am left with £426 to pay the rest of the bills and live on for rest off month and buy food for us both! Oh and try and have a life lol!

But i will manage it easily, just wondering how much more i will be able to put in savings, aim is for another £150 in there by end of March.

Think the £41 from Goldfish is going to roll over to yet another month, that being paid would come in handy! :rolleyes:

Confession.... i am going to book our holiday next week. I have £590 worth of club card vouchers to use but i will still have to spend a few hundred and it will be put on my credit card.

So my debt probably won't actually reduce too much this month as the loan payment will be cancelled by the credit card use but i NEED a holiday!

lilmissmup

I am off work today and tomorrow having a long weekend as me and OH have been together 5 years today

So i am trying to be productive, rang Napster today to cancel my subscription and they have given me a month free so just need to remember now to ring up by 18th April and cancel, it goes off my credit card every month and i rarely use it so its just a waste of money.

I also rang shop and scan as my clicker won't transmit and they are sending me a new USB lead to see if that helps although i think its the main lead thats the issue as i connected using that on my old pc and that didn't work either :rolleyes:

I need to ring up and cancel my insurance for this PC, yet another waste of £8 each month but going out for a bit now so will do that later or tomorrow.

Oh and put £6.52 from Rpoints payout onto my savings so i now have £758 in there...only £140 more to find! :T

lilmissmup

Evening

Well i have spent a fair bit of money today!

Spent £47 at Dentist, i only had a check up a few months ago but as i am getting braces they have referred me back to my dentist again as they are concerned about 1 tooth needing a feeling and my 2 front lower teeth are suffering from a bit of gum disease so had a clean today (using special mouth wash at home too to get rid, its working luckily) and i do need a filling even though its a tiny hole but it has to be done as if it gets worse they won't be able to fix it easily once i have braces on!

So paid for the check up and filling today although not having filling done until 17th but wanted to get it all sorted!

Then me and OH went to Milton Keynes, were planning a whole day there including cinema and dinner but were both tired so i did some shopping (spent £64 in H&M but got a shirt, a top, 2 jumpers and a jacket so not bad!) and spent my £10 boots voucher and got toothpaste, toothbrush, Aussie shampoo and conditioner, shower gel and deodorant for OH and had to spent £2.32 to get it all so not bad!

I am working at the charity shop during day tomorrow and will take a sandwich so won't spend there but out in evening with my mate who i never see as she lives in London so prob spend at least £20 and then me and OH are going to cinema next weekend instead so have a little bit of spending money left for that and then no fun until next pay day lol! :rotfl:

Diet has also taken a bashing this week, i have had a fry up, KFC, McDonalds, Dominoes, Local Takeaway Chicken Burger and Garlic Bread with cheese, went to a sandwich shop yesterday and got a massive chicken mayo stick and sausage roll and prob gonna get a takeaway tonight too..... BUT i have done 24 miles on bike so hopefully won't gain even if don't lose!

Having a birthday night out was the cause of the Chicken Burger then Fry Up and Dominoes next day as was hungover and the KFC was laziness next day and the other blips are cos i have been off work today and yesterday! So much easier to stick to my diet when working and not have a life lol!

I need to write a list of things i want to acheive in March but this post is already long so will leave that until tomorrow

lilmissmup

Well up nice and early as working at charity shop today so thought would do my list!

First of all none debt related i weighed myself today and by some miracle i haven't put anything on! Haven't lost anything but was expecting that, the 24 miles on my exercise bike did the damage control i was hoping for!

Anyway my list of things to do......

Send off Tesco Clubcard Plus card received form and ring them to see when my direct debit will start going out as thought it should have been set up by now.

Convert my last £5 of Tesco vouchers into £20 of deals so can book holiday.

Ring up and cancel PC Insurance.

Cancel Credit Expert.

I am sure theres more but thats all i can think off right now.

The new slice the pie scout room opens Monday and i am going to try really hard with that this month, also going to try and dig out some stuff to sell on eBay.

If i don't set up my wii soon i am going to sell that too as have only used it twice since i brought it....:o

mariagti

Hi hun,

Good to see your treating yourself with the tesco vouchers? Where you planning on going on your hols?

How long have you been working in the charity shop for? I was thinking of doing some charity to work, to gain some more confidence and experience to go on my CV. :A

Its good you only need one filling, i think i need two or one and maybe another damn crown as the tooth has already been filled twice by a rubbish dentist.My appointment is thursday we will see!

lilmissmup

I have been doing it just over a month now, working every other Saturday for 6 hours at the Cats Protection League Shop near my house.

OH can't understand why i do it as i am not getting paid :rolleyes: but its quite fun and means i get to meet new people plus help my fav animals kitties!

Holiday we are going to go to Bulgaria in June, not sure if going to just do a week or maybe 10 days, need to decide on that as want to book this week!

Had a NSD today as only been round OH's Mums for lunch, was a gorgeous fry up which did wonders for my hangover this morning!

But i spent £4.75 at Charity shop yesterday, brought a skirt and a MOTO topshop coat that was only £3 so well chuffed with that, its quite wintry so prob won't wear it until end of this year but its the sort of coat they sell every winter so not going to suddenly be out of fashion...not that i give two monkeys about fashion anyway lol!

Then spent £10 on taxis last night.....i got one to my friends then one home from town after and about £12 on drinks in town and a burger.

I now have £13 spending money left for me this month so will go cinema next weekend probably and then have to spend 2 weeks being on MSE even more :rotfl:

lilmissmup

Mmmmm i am not on target at all for this months extra loan payment.

I need to find another £116.25 by the end of March....

I have £10 in Paypal from Slice The Pie and £5 in my Slice The Pie account i have earnt over the last few days and have requested a £3 lightspeed paypal transfer so thats £18 so far but still need the other £98.25!

Plan for this weekend is to hammer STP as much as my brain can bare, i need to get another £32 in my paypal account before i can withdraw as don't want to pay them any money for it.

I would sell some stuff on eBay but i owe them about £6 in fees so they have suspended my account for now , will pay it ASAP though, they have suspended me before and as soon as i paid it i was straight back on.


I have £103 left in my current account to last me until pay day on 25th, need to keep £44 of that for BT Bill and Spencer's insurance and i also need to pay credit card too at least £25.

I do have £50 for food on my Tesco clubcard plus account but i am still waiting to hear the payment has cleared and that i can use it plus need to make sure its linked to my main clubcard.

Am really chuffed though as i haven't brought any food since beginning of March apart from a £7ish spend in Lidl at the beginning of the week, am doing the grocery challenge this month but i have so much in the cupboards that i can use, just shows how much money i waste really on food so aiming to clear out fridge freezer and cupboards before i step foot in Tesco although i will have to go to Lidl (its 2 min walk from my house, love it!) later to get some bread and milk as out but don't need anything else.

Might be going cinema later or tomorrow and my best mate who lives in Leeds is about so need to try see him too, told him i am skint so will just be a coke when i see him!

Also non money related for some reason i have managed to lose 1/4lb this week, not bad as done no exercise although i have eaten far better than the week before when i was every takeaways dream customer! :rotfl: