No more credit.... no more debt

nomorecredit

Tuesday check in .....

NSD 8/15
Lunch to work 5/9
Water: 1.5ltrs
Steps: 16,316
Entertainment Budget: £5

All packed all the jobs done on my list and now bed as I have a 3.30am start !! Will miss my girls and just hope my mum will be ok hate to leave her when she’s ill.

Enjoy the rest of Tuesday
Best wishes
NMC x

nomorecredit

Scott-Weiland wrote: »

nomorecredit wrote: »

Re Qmee its a little app you can put on your phone and you can do market research surveys on there. I use it when i am on my days off or i am on boring public transport journeys too and from work. The little surveys can be a nice little earner, i have being using the app since October and i have earned 135 quid its not loads i know. But if your building up an emergency fund or you want some extra cash for treats etc etc every little helps.

The surveys are small amounts usually 15p upto 1quid plus and some can literally be done in 2-3 mins.

Topcashback.co.uk is another one too bring in extra funds, remember with clearing these debts think smart no matter how small the reward.

Two examples re me i recently swapped my broadband i got 45 quid cashabck just for changing from EE too Plusnet.

At Xmas i bought my sons and me some superdry clothing i got 9 quid cashback just for shopping in the sales.

That 54 quid all went off debts.

Thanks for this I will be looking into them. I did used to use quidco but hardly purchase online now and if I do then I forget to go through it. Must start getting into a habit

Best wishes
Jo

nomorecredit

Good morning

Arrived back home from my girls trip last night, what a busy fun 3 days absolutely shattered now but was worth it. Came home with 5 euro's !!

I am gutted, my deal for S*y TV finished which I didn't realise and had a shock when nearly £100 was taken out of my account for this month's bill an extra £35!!! We have rang and renegotiated a package which has reduced it to £40 so £28 per month cheaper than what we have been paying over the last 12 months.

So this left me with £30 extra to find this month, I have had to reduce my "entertainment budget" to account for it.

I will also make a note of the date the 12 months is up from this point forward so this doesn't happen again. Lesson learnt !

We have an 18th birthday party tonight I am driving, lime and soda for me! I need to get a card today, the gift is already sorted and paid for.

Think we are going to take the dog and girls for a walk, weather is looking lovely.

Weekend to do list (nothing too challenging!!!!)
Buy Birthday Card
Meal plan
Food shop list to be done to.
Catch up with washing
Ironing
Quick clean and hoover

Hopefully it will be a day of small spends need to tighten the purse strings!! Well clamp it shut more like.

Best wishes
NMC x

nomorecredit

Budget Expenditure Round up (£spend to date/£allocated budget



I have also come back with £9.82 so I will send 0.82p to 1p savings pot and £5 to Youngest birthday tea. The £4 I will pit towards balloons, cards and birthday wrap.

Weekly Entertainment budget - £0.00/£24.00
Monthly Entertainment budget - £30.00/£90.00
Youngest birthday bits and pieces - £22.89/65.00
Food - £101.16/£200.00
Birthdays - £210/£275

Saving Pots
1p Savings Challenge - £35.45/£667.95
Youngest Birthday tea £35/£40
Emergency Fund - £5.19/£500
Holiday in August - £0/£2000
Easter Break - £0/£200
Repair mobile phone screen - £0 /£50.00

I need to see when I can have a NSD this week. I am considering not including my travel to work and food shop as this is budgeted for and necessary, will think about it. Don't want to appear I am having the easy way out.

Anyway time to get the day going had a rather lazy morning.

Best wishes
NMC x

teafor2

Glad you enjoyed your break and spending time with your friends.

I always think the first year of getting to grips with things is the hardest because we do forget to do stuff, but like you say it's a learning curve.

Some people are really strict with themselves about their NSD's others not so much. Personally, I wouldn't class travel and shopping as spending. But if I bought a magazine and a coffee for the journey I would. I don't include any bills or joint account shopping. Just what comes from my own personal spends. I'd have a re-think about yours, it might be more motivating if you change your rules and can add a few extra NSD's to your tally.

Hope your Mum is feeling better now. Have a lovely day. xx

nomorecredit

Hi Tea

I am mad at myself for not picking up on it but least its sorted for another year and a saving made.

My mum is so much better thank you - she took my youngest shopping today to get her birthday present. Then was going back home to rest. She is coming for tea tomorrow.

Food for thought re NSD's, thank you :-) think I am going to do it on my weekly spends which are out of budget.

Hope you are having a lovely Saturday.

Best wishes
Jo

nomorecredit

Rather annoyingly I have lost my post.....

Walk to the park and then into A$da for some bits and pieces

Candles £0.75
Twirl/Mars £1.00
Birthday Cards x 5 £5.00
Birthday Wrap £1.00
Gift Bag £1.00
Balloon £0.75
Birthday Bunting £0.38
Sparkle Candle £0.75

Total £10.63

I have withdrawn the allocated birthday money from my account so just need to put those into the relevant envelopes. Will get my friend a gift voucher and my other friend a token 30th gift. We gave her some euro's and she got herself a lovely shamrock charm for her bracelet.

My oldest wanted to buy her sister a birthday present and chose a lovely pink unicorn soft toy so I gave her the remaining £5 allocated for youngest present.

Weekly Entertainment budget - £10.63/£24.00
Monthly Entertainment budget - £30.00/£90.00
Youngest birthday bits and pieces - £22.89/65.00
Food - £101.16/£200.00
Birthdays - £275/£275

Better go get ready we are going out in an hour, would ideally like to go to bed but won't be a late one as we are taking the girls.

Enjoy the rest of Saturday
NMC x

nomorecredit

It’s thrown me out twice this morning and I’ve lost another post !!

No more spends yesterday evening being the designated driver clearly means you don’t spend any money !! Lovely evening with friends the girls loved it we came home about 10.30 but the girls slept in this morning to make up for the late night.

Meal plan and food shop done - Going to dig out my recipes for inspiration my meal plan is getting boring will try do some this week.

Better get moving, washing in and need to get food shop done before the girls have their swimming lesson. Also will ask my mum to get a 6 balloon whilst I am at work tomorrow which will be a big help. Must wrap youngest presents and write cards too.

Have a lovely Sunday
NMC xx

teafor2

It's so frustrating when you lose a post. :mad: You did well for your £10.63 yesterday, that's quite a list :T

Glad you enjoyed your night out. I'm a soda and lime girl as well if I'm not drinking, it's such a refreshing drink.

Is it the birthday girl's special day this week? I'm sure you've said but can't quite remember.

Hope you've having a lovely day and enjoying some good weather. xx

nomorecredit

Hi Tea

Ha thanks I was quite pleased with my purchases nearly all sorted now, its her birthday on Tuesday she is counting down the sleeps and so excited.

Hope you are enjoying your Sunday.

NMC x