Choccy's last debt diary! Tme to stop messing and focus.

Choccygirl123

Monday again and teenagers are back to online learning.

-Ebay item posted £11.69 profit pending for Xmas account

-FB sale £7 collected

- £100 target for xmas extra income smashed.

-Parcels posted for 2 x friend's birthdays

-Top up shop for nibbles and bread & milk

-Joint account balance £14.05

-4days to pay day

-Hubby claim £101 pending

Choccygirl123

- 3 days to pay day - thank goodness!
-car has engine warning light cone on, so booked it in :-( 
-spent £2.07 in Aldi getting ibrufen and cold meat
-ordered done elastic on eBay to maje more face masks 
-balance joint account £8.28
- child benefit paid - moved into saving pots
-hubby's claim still pending 

Choccygirl123

It's always a good day, when you log onto our bank and you can see your wages pending to be paid tomorrow. Had a bit of a spendy day.

Hubby's claim has cleared £101.24 taking balance to £109.52

Fuel £33.08

Asda £12.44

Aldi £26.97

Dentist check up for me £23.80

Balance £13.23 have pinged it across to H loan as an overpayment. It's not as much as I'd liked to have left, but I'm still delighted we're not in the overdraft. Especially after hubby has been away most of the month and we've had two family birthdays.

Choccygirl123

We made it! Pay day and no overdraft use or credit card spending - Feb was a great money  month. Here's hoping March is as good.

March is looking quiet thanks to lack of plans and lockdown. My car is booked in to investigate a warning light - hoping just faulty sensor. I've budgeted £300 but hopefully will be less.

hubby's claim for overnight payment has paid for whilst he was away. They've managed to over pay him by £140 so they'll deduct it bavk from next month. I'll move it across to savings then back at the end of April.

Need to tally up my extra income in Feb, but I've definitely smashed my £100 target. I've withdrawn another £5 amazon voucher today, and £5.36 cash in a survey site. I had another eBay £4.99sale yesterday and another item ended today has a bid of £4.99. I'll get them posted to sort out profit after all the fees.

Eldest daughter is a different young person today! She's woken up with a spring in her step. I don't think we can understand the stress the GCSEs causes. She's a grafter and has excellent grades throughout y10&11 so plenty of evidence for her teachers. I'm sure she'll be happy on results day.  I just feel for DD2 who has to face exams next year!

beanielou

Good news on no OD or CC 

Choccygirl123

beanielou said:

Good news on no OD or CC 

It feels fab, 2 months out of 2! Long may it last!

Choccygirl123

Last day of the month and i've updated my extra income spreadsheet -it's been very successful and I've smashed by £100 target.

Surveys - £25 Amazon

Roadkill - 20p (found today)

Money off vouchers £12

Facebook sales £29

Tesco Club card vouchers £5

Quidco Cashback £60

Surveys (2) £19.70

Ebay sales after fees £20.30

TOTAL MADE - £171.20 in Feb  / Year to date £313.35

Choccygirl123

I can't believe we're in March already. The usual direct debits ate flying in and out.

-OP to loan1 £200 paid, balance £6786.76. Regular payment £115.90 pending - will leave o/s £6670.86 before interest

-Loan2 regular payment £179.50 pending - will leave o/s bal £8245.14

-Misc Budget bal £155.71 after bit of spendy weekend (£25.99 geocaching app, chippy tea and postage for birthday cards)

-Food Budget bal £386.62 - need to keep meal planning and using stores up to keep to this (and no more takeaways)

-have paid for green bin again - Ouch £40 this time, but still cheaper than trudging 40miles around trip to tip

-every dd and saving pot has been budget for this month - there's £28.60 left for just in cases.

-applied for new mortgage with FD as our current fixed ending in April. Shouldn't be an issue as our LTV very low.

Choccygirl123

Direct debits still flying out and the budget is set. Today will be 1st of March - concentrating
on trying to hit 20 NSD the month. I've got a parcel to send for item I sold. Will nip down to the post office and get that on its way this morning.

Today is going to be a cleaning and tidying day. Hoping to get all my jobs done today, as have a medical appointment tomorrow. I'm finally getting a second opinion on a long standing issue. Just hopeful the consultant may be a miracle worker.

Choccygirl123

Managed to complete out 1st NSD of March. Took the fog out with my hubby and it took quite a lot of persuading for him not to go buy choccy!  My tummy and the budget will healthy if we stop the junk shopping.

Hit the withhdraw button on a survey site for my first cash out of March. Cash went straight to PayPal then swiftly into my Xmas pot. 

£5.81 / £100 target.

The interest has been added to my loan, but it's lower than I thought it would be. Good to see the extra payments having an impact already. 

Interest added 
1/1/21 £36.80
1/2/21 £35.85
1/3/21 £30.92

It's an eye opener that it's costing us £1 a day for the privilege of owing them money!