Repaying my (old) life away!!

edited 4 June 2019 at 12:20PM in Debt Free Diaries
35 replies 2.4K views
24

Replies

  • princesspenniesprincesspennies Forumite
    55 Posts
    First Anniversary Xmas Saver!
    Feeling very thrifty....Just completed an online shop to try see me through till the 14th! Admittedly, this was put on the CC but will be the last time I'm using once the 14th comes around!

    Did a £59 shop, offers took it to £50 then had a £5 Promo code so paid £45, which then qualified me for free delivery !! :) Also went through Quidco so will be getting £4.00 cash back on there too!!
  • DancingUnicornDancingUnicorn Forumite
    188 Posts
    Third Anniversary Home Insurance Hacker! Cashback Cashier
    Congratulations on your payday loan refund! I got a couple of hundred back last year and it felt so good being able to pay off and close one of the credit cards.

    Definitely be careful with keeping one of them open. I keep getting CC offers through the post now my credit score is improving, but I know I don't trust myself even to spend and pay off immediately so I steer clear. However, that's me - if you feel you can trust yourself then go for it!

    Good luck with the car boot sale! I feel like I should do one, but the idea of being up so early on a Sunday puts me right off! I also want to try an online shop, but I'm always worried they'll send out things with poor dates on. Any tips?

    Keep up the debt-busting :)
    LBM: October 2016: £20,130 / Current: May 2019: £12,576 37.53%
    DFD: [STRIKE]February 2024[/STRIKE] April 2022?
  • princesspenniesprincesspennies Forumite
    55 Posts
    First Anniversary Xmas Saver!
    Congratulations on your payday loan refund! I got a couple of hundred back last year and it felt so good being able to pay off and close one of the credit cards.

    Definitely be careful with keeping one of them open. I keep getting CC offers through the post now my credit score is improving, but I know I don't trust myself even to spend and pay off immediately so I steer clear. However, that's me - if you feel you can trust yourself then go for it!

    Good luck with the car boot sale! I feel like I should do one, but the idea of being up so early on a Sunday puts me right off! I also want to try an online shop, but I'm always worried they'll send out things with poor dates on. Any tips?

    Keep up the debt-busting :)

    I have too much sorted to take to the Car boot to back out now haha!! :rotfl::rotfl: I am deffo not looking forward to the early start!!

    I just buy about a week's shop online, that way if the dates are a little close it doesn't matter as much. I do freeze a lot aswell so ill freeze half a pack of wraps etc and just leave out what i need for the next day or so! The only reason i like online is because im a suckerrrrr for the end of aisle deals lol! I spend at least £30 even if im popping in for a few bits so this should keep me on track. I will be calling to asda at some point for bits we need for tonight and salad lol x
  • edited 2 June 2019 at 7:58PM
    princesspenniesprincesspennies Forumite
    55 Posts
    First Anniversary Xmas Saver!
    edited 2 June 2019 at 7:58PM
    So I am back from the carboot sale!!.....I made a decent £59, but by the time I paid the extortionate £15 stall fee and petrol (didn't go in the works car) I walked away with £29 and a bit of change. I only arrived there for 07:30 am by the time I had managed to drag my DM along with me for company, some of the others had arrived for 03:00am and made about the same so I was really pleased.


    My food shop should be here any minute so I am going to meal plan and prep for the week as taking part In the take your dinner to work June, and I'm not going anywhere so today should be a NSD.


    I now have £29 which I am going to try stretch out for next week, I should be okay for shopping so I think its do'able!!! Hope everyone is enjoying their Sundays ! :) ( If there is anyone out there LOL) xxxx
  • edited 2 June 2019 at 2:34PM
    Willing2LearnWilling2Learn Forumite
    6.3K Posts
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    ✭✭✭✭
    edited 2 June 2019 at 2:34PM
    Just popped by from your post in another thread. :)

    Just wanted to say, that if you are only going to keep one of your cards open (the one with the highest limit), then you need to use the card regularly to reap the benefits. So, spend on stuff that is already in your normal monthly budget. Stuff such as groceries and travel costs. Then pay off the statemented balance in full every month by Direct Debit. If you use the card this way, then you will be demonstrating to lenders and potential mortgage providers, that you have the necessary budgeting skills to successfully manage credit. And by only spending on the card for stuff that is within your normal planned budget, you negate the risk of overspending. :)

    Hope this helps. :)
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    :smiley:
  • teafor2teafor2 Forumite
    3.3K Posts
    Eighth Anniversary 1,000 Posts Name Dropper
    ✭✭✭✭
    Hello PrincessP :) I knew your name was familiar, I've been reading your diary while I've been away.

    Excellent news about the payday refund and you seem to have a good idea of what you want to achieve so that's always a good start :)

    When we went through our car boot phase years ago I think we paid about £7.50 for a pitch. I did one a couple of years ago and was shocked that it had doubled in price. Looking on the bright side at least you're £29 better off than you were at 7.30am this morning. :T

    The only tip I can offer is to get some pots up and running for your weekly money. I'm very pot orientated as you know and have quite a few on my list but it's surprising how even just a few £'s in them every week makes a difference and keeps you focused. Some come and go depending on what's needed but that's the beauty of them. They're not set in stone and you can adapt them to your own needs. It's also interesting to see exactly where, or who as was my case, the money goes on. :o

    Best of luck and I've subscribed to cheer you on. xx
  • princesspenniesprincesspennies Forumite
    55 Posts
    First Anniversary Xmas Saver!
    Just popped by from your post in another thread. :)

    Just wanted to say, that if you are only going to keep one of your cards open (the one with the highest limit), then you need to use the card regularly to reap the benefits. So, spend on stuff that is already in your normal monthly budget. Stuff such as groceries and travel costs. Then pay off the statemented balance in full every month by Direct Debit. If you use the card this way, then you will be demonstrating to lenders and potential mortgage providers, that you have the necessary budgeting skills to successfully manage credit. And by only spending on the card for stuff that is within your normal planned budget, you negate the risk of overspending. :)

    Hope this helps. :)

    Hello again W2L, :j

    Thankyou for all your advice it's appreciated...I feel like I have a bit more of a plan now!
    I'm going to clear both smaller cards in full. Keep both open, but use one for my food shop each month (then pay off in full) Then pay Just short of £1K off the larger card and chip away as much as I can !! Thanks again :beer::beer:
  • princesspenniesprincesspennies Forumite
    55 Posts
    First Anniversary Xmas Saver!
    teafor2 wrote: »
    Hello PrincessP :) I knew your name was familiar, I've been reading your diary while I've been away.

    Excellent news about the payday refund and you seem to have a good idea of what you want to achieve so that's always a good start :)

    When we went through our car boot phase years ago I think we paid about £7.50 for a pitch. I did one a couple of years ago and was shocked that it had doubled in price. Looking on the bright side at least you're £29 better off than you were at 7.30am this morning. :T

    The only tip I can offer is to get some pots up and running for your weekly money. I'm very pot orientated as you know and have quite a few on my list but it's surprising how even just a few £'s in them every week makes a difference and keeps you focused. Some come and go depending on what's needed but that's the beauty of them. They're not set in stone and you can adapt them to your own needs. It's also interesting to see exactly where, or who as was my case, the money goes on. :o

    Best of luck and I've subscribed to cheer you on. xx

    Hi Again T2T :j

    It's a bit weird isn't it when your sat there typing away to yourself but I'm hoping I''ll get used to it as this may keep me in check on the spending front! : I feel like ive been given a bit of a lifeline with the refund, so really want to make sure I don't waste it. I love a holiday, which being 100% honest was my first thought to book an AI abroad lol, but I think im going to take the boys to a caravan in Tattersall lakes, at about 1/5 off the cost.

    I nearly fell through the floor when he wanted paying at the Car boot Lol, I did one about 6 months ago and it was £12 then! :eek: Yep, I now have £29 of clutter money to last me the week......Plus the extra space!:j

    I am going to try scrape by until the 14th but then the Pots are deffo coming into play, I am going to have one for Christmas, a Holiday pot, and then try do the CC overpayments. Once im paid at the end of month i have about £90 a week to live off, so if i meal plan I should have some left over! I think I can guess where some of my money is going, My son's dad and I get on great and are very good at "helping each other out till payday" I have totted up and since 26th hes borrowed £95 already, so I am starting to write it down also to make sure I get it back lol. Ive offered to help him with his budgeting too so I can put an end to that one Lol...... Thanks for following along :p:p
  • princesspenniesprincesspennies Forumite
    55 Posts
    First Anniversary Xmas Saver!
    So a little update.

    Spends for the week 03-09th June : £29

    This will be the first time I am ever really tracking where my money goes so think it will be quite interesting. I don't have anything planned for this week. My food shops been delivered and I have a meal plan so I think I should be fine. I have also decided on the following Pots to keep me focussed as I go along, Clearing my debt is a major priority but I am going to be overpaying hopefully anyway, so these are more for any money I aren't expecting/ Money not spent.

    Christmas Fund Currently @ £0.00 ( I am planning to save £365.00 this year, around £55 month, I do tend to go overboard so setting a budget is deffo a great plan for me. I am planning on only spending the £365, anything extra from my Christmas pot, or money made from Surveys/Quidco etc this year. Which would be a massive success for me!

    Holiday fund currently @ £0.00 I know holidays aren't a massive priority to some people, but I love a family holiday so am going to try and budget towards one slowly and I am sure I'll enoy it even more knowing it's paid for and not on the CC

    CC Overpayment currently @ £0.00

    Sorry if I am being extremely repettitive but I think I am trying to convince myself I have a plan :rotfl::rotfl: I will update regularly on where I am with my weekly spends, and about once a week/fortnite on the pots xx
  • teafor2teafor2 Forumite
    3.3K Posts
    Eighth Anniversary 1,000 Posts Name Dropper
    ✭✭✭✭
    Those seem really good pots to start with PP :) I'm sure after a few weeks when you see money building up in them you'll be hooked :D

    I give myself weekly spends as well and anything left over gets divided between the pots or carried forward if I fancy a bit of extra money in my purse.

    I'm sure your boys would absolutely love the fun of a caravan holiday, although I am definitely biased about how good they are :rotfl:

    It's great to read you get on well with your son's dad and if you can help him with his budget I'd say that's a win win for everybody. :) xx
This discussion has been closed.
Latest MSE News and Guides