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Debt Clearing and Deposit Saving.......

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  • beanielou
    beanielou Posts: 95,311 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Best to be safe. X
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Fingers crossed it all goes OK with furlough. That's good about your mum giving you some money all helps. 
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0

    Barclaycard - £2315.25 - £0.00

    *Total debt - £7300/£10680.85*


    Savings
    *Savings Buffer - £1100/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Emzilla
    Emzilla Posts: 3,837 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Evening

    I'm definitely going on furlough. I had to take this past week off as leave as furlough doesn't start again until tomorrow. I'm off until 2nd December, but I think it will be longer. I personally can't see me going back this year, and probably not until furlough finishes at the end of March.

    I need to start earning from home, or I will go mad just sitting around all day. We actually splashed some cash today and got a treadmill. We have got an exercise bike, but I'm terrible at using it, and I know that I would use the treadmill so much more. I need to get my lungs working so I can get my lung function up and hopefully get my oxygen off. It's going in the right direction, but I think I need to give my lungs some help. I would go out for walks more, but the weather is so rubbish. When I get the treadmill, I will use it every day. We're going to sell the bike and put that towards it.

    Anyway, earnings for this month. I have been plugging away at it, but I know I can step it up, which I will do from now on. Here's where I am so far:

    £5 Amazon - Pinecone
    £5 Amazon - Swagbucks
    £5 Amazon - My Survey
    £4.45 - Neevo
    £6.74 - Prolific

    £26.19

    Emz xx
  • beanielou
    beanielou Posts: 95,311 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    How you getting on with paying off your phone? 
    Good news on the furlough. 
    Take care  xx
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Emzilla
    Emzilla Posts: 3,837 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    beanielou said:
    How you getting on with paying off your phone? 
    Good news on the furlough. 
    Take care  xx
    Hi Lou

    I'm trying to concentrate on getting Christmas sorted first and then tackle the phone next month. I've only got £104 left, so won't take me too long to clear. My aim is to get all my presents purchased by the end of November.

    Emz xx
  • beanielou
    beanielou Posts: 95,311 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad I only buy for very close family now so only 3. Xx
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Emzilla
    Emzilla Posts: 3,837 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 18 November 2020 at 10:41PM
    Morning

    Sorry for not posting recently. Even though we are in lockdown, we have had his mother staying over since Thursday last week. I was not happy about it, but as she's on her own, she can form a support bubble with us. She is going back today with my OH, and he is coming back here on Sunday. She has said she won't be back until Christmas now, but we'll see. I need a nice long break from her. 

    I have been keeping busy with earnings, but have lost track of how much I've earned this month. We've also got the treadmill set up, and I have been using it, but it's not easy at the moment with his mother and the dog being here. I am going to really start using it when she's finally gone. I've got a lot to get done for the rest of the month, so will try and do a daily to-do list:

    1. Morning meds/nebs
    2. Evening meds/nebs
    3. Close all 3 activity rings on my Apple watch
    4. Complete Jupiter Survey for £5 Amazon voucher
    5. Do a wash and hang out to dry
    6. Complete 1 hour on cross stitch bookmark for my sister
    7. Meal plan for next week and do weekly online shop
    8. Complete online appointment with Harefield hospital (transplant)

    That'll be it for today, as they aren't going back until this afternoon, so most of that will have to be completed then.

    Be back later.

    Emz xx
  • Emzilla
    Emzilla Posts: 3,837 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    All my tasks are done. Pretty impressed with myself seeing as OH didn't leave until gone 4pm. So nice and peaceful here now.

    Hospital appointment was okay. Only took 5 minutes. My lung function has gone up slightly, but it's hard to tell how high it actually is because I can only do it on my little home machine, which isn't as good as the main ones in the hospital. She wants me to have another appointment in 6 months, just because I'm not off the oxygen yet, but then the hospital haven't been able to reassess me yet, so it might be that I can come off it soon. 

    Money in today was the £5 Amazon voucher from Jupiter Surveys. I owe my sister another £20 in Amazon vouchers, as she ordered a gaming chair for my nephew that we're getting as a joint present. I've ordered another few bits today, so am getting there with the Christmas presents.

    I'm going to get my to-do list done for tomorrow and then get off to bed.

    Emz xx

  • Emzilla
    Emzilla Posts: 3,837 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 19 November 2020 at 10:58PM
    Thursday's To-Do List

    1. Morning meds/nebs
    2. Evening meds/nebs
    3. Do my COVID test before 8am for courier to collect (don't worry, I have no symptoms, I'm just taking part in a COVID study!!)
    4. Do another wash and hang out to dry
    5. Clean the en-suite
    6. Do another hour of cross stitch
    7. Close all 3 activity rings on my Apple Watch
    8. Earn £10

    Emz xx
  • Lovely to have the home to yourself  B)
    Enjoy the peace  :#  

    Grocery challenge Feb £107/£100-epic fail due to cake and biscuits
    🌟
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