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My journey to happy and debt free

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  • nomorecredit
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    Hi Lou

    Subscribed and if you don't mind will be reading your diary from the beginning this evening whilst i chill with a baileys coffee :-)

    NMC xxx
    House Savings - £28.83
    Emergency Savings - £105.19
    Christmas Savings 2020 - £300
    No spend days - 13/15
    Debt:: MBNA: £100/£2,653.25 NEXT: £199.00/£199.00 Paid 13/03/20 :)
  • Louoffofsparkle
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    Thanks nmc of course I don’t mind. I’m just jealous you get a baileys as I’m working nightshift!



    So another payday has arrived so £1100 has been set aside for debt payments.
    I sold a ticket to a show I can’t go to now so I’ve added another £40 towards the debt payments.


    Was in smyths toys last night and they have an offer running, people were just going mental! Baskets and trolleys filled to the brim of toys just because of a £10 saving.
    That will not be me this year, I’ve bought a couple of presents already. Making a conscious effort to buy things that will be useful and liked, not just buying for the sake of it.
  • nomorecredit
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    Evening, hope your night shift is going ok :-)

    Wow Lou, what a journey you have been on and you can certainly "hear" a difference from your first post to your last one today. Full of admiration for you. What a year its been, you are doing so well, just fabulous. Look how you are managing your finances now and how control you are of them, you are controlling the finances not them controlling you.

    How you describe the link to spending and anxiety and how cash works for you I have to say it was like I had written it about me, I certainly spend to feel better and its tough to crack but you are doing it so hats off to you its not easy.

    Self care is so important,its lovely to read you are doing this keep this up, don't know about you but I feel so much better physically and mentally eating well and being active, I love walking, I walk everywhere! (bad week eating for me mind! - back to normal tomorrow)

    Keep up to excellent work, I am going back to cash every week too - tapping the card is just too easy, its nice to know its not just me who prefers cash. I may even treat myself tomorrow to some plastic wallets for it, think you can get some from wilko for 99p!!

    Take care and I hope you a lovely weekend

    Best wishes
    NMC xx
    House Savings - £28.83
    Emergency Savings - £105.19
    Christmas Savings 2020 - £300
    No spend days - 13/15
    Debt:: MBNA: £100/£2,653.25 NEXT: £199.00/£199.00 Paid 13/03/20 :)
  • Louoffofsparkle
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    Managed a nsd yesterday as other than going for a walk after nightshift I did nothing!

    I managed 6 nsd in September which is pretty poor. Think this is what I’m going to focus on a bit more over the next couple of months.
    The difficulty is it is cheaper to buy my bus ticket daily rather than a weekly or monthly.
  • nomorecredit
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    Morning Lou

    6 NSD is great better than my 1!! I know this is personal choice but I don’t count my travel to work as a spend as 1) I need to get to work 2) with how unreliable the trains can be I buy ever day I am in the office (3 days a week) in case of cancellations as getting a refund is a pain.

    So yesterday whilst I bought my train ticket I didn’t spend anything else so bagged myself a NSD :-)

    Have a lovely day
    NMC xx
    House Savings - £28.83
    Emergency Savings - £105.19
    Christmas Savings 2020 - £300
    No spend days - 13/15
    Debt:: MBNA: £100/£2,653.25 NEXT: £199.00/£199.00 Paid 13/03/20 :)
  • Louoffofsparkle
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    That’s a good way to think about it.
    So it’s a nsd day for me today!
    Got my free Costa Coffee on the way home from work this morning.
    Planning to do some meal planning once I’m up from my sleep. My freezer is nearly empty so I’m going to make sure I plan in enough meals I can batch cook for the month.
  • Louoffofsparkle
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    Halfway through a five week month, oh how I hate them!

    Got a £10 payout from top Cashback and I’m waiting on £4 from OnePulse.

    Done an extra shift this month and one last month so that will top my wages up pre Christmas.

    Bought some makeup for myself in the past couple of days through sales on my favourite brands so that’s me stocked up again for a while. I didn’t buy everything I liked the look of though, just items I’d been looking at for a while. So that’s my spending for this month over!!

    Having a deep clean of my kitchen cupboards today and there was so much old jars of sauces and things that were out of date-oops. So they are nearly empty.
    Just shows we have been overbuying things without doing any stock checks.

    Also made some soup and going to batch cook some meals for the next few days
  • Louoffofsparkle
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    I hate 5 week months!!!!
    Was able to check what I’m going to get paid on Thursday and it’s £400 more than last month which is great.
    Once my minimums are paid to my cards I’m going to transfer £1300 straight into my savings account.

    Been much more organised with the meal prepping and I’m feeling the benefit of it, both in my diet and money saving.
  • Louoffofsparkle
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    It’s been a year since I joined this forum and started this diary. I haven’t updated it in ages but things are still going well.
    I’m paying my minimums to my cards each month and I’ve got £3000 in my savings so far. Putting £1000 a month to my savings so all my cards will be paid for at the end of this year.
    Also from this month I’m taking on paying the loan that my husband took out for me.

    Just still needing to keep myself accountable so I don’t end up in a mess again
  • Louoffofsparkle
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    I haven’t been on here in ages and I’ve kinda lapsed a bit! Spending more than I should have been really.

    no longer on course to have my cards paid off by the end of the year but by June 2021 instead.
    Got my budgeting back on track before I really slipped and all credit cards are still  on 0% deals
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