Final steps to debt freedom

in Debt free diaries
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  • gymgirl11gymgirl11 Forumite
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    Blue Monday is here. I’m not really feeling the blues but don’t have anything to really ‘complain’ about right now. I have a roof over my head, money in the bank, food in the cupboards, a supportive family and friend network, a stable job and my health. You can’t really ask for much more :)

    On the money front I sent another £10 payment to my card. I saw something I wanted to buy so I added it to my wish list (it was £13). If it’s still on sale when I get paid next Tuesday I may treat myself to it.  We also got petrol (£11) from the joint account.

    I’m also 58p from being able to cash out so hoping a survey comes through!
  • gymgirl11gymgirl11 Forumite
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    I cashed out today for £5.76 on the survey site. I still have £4.39 pending so should be able to cash out again before the end of Jan. I find when collecting survey money sending it over as soon as I hit the threshold means I'll go back and do more as I still have money pending so I'll want to keep topping it up.

    I've sent the money to our joint savings account as that is where all survey money goes currently. We've agreed once the kitchen is paid I can use my survey money for CC overpayments and my partner can do as he wishes with his.

    I've found being with someone who is so resistant to credit cards and debt has shifted my mind set a lot and made me more disciplined. It helps me that my partner isn't too much of a spender. The last time he brought himself anything (clothing, games, books, fun stuff) was back in July. He is very disciplined and that has changed my mindset a little.

    For the past 2 and a half years the only thing that's ever been put on a CC is a holiday deposit and that has then been paid off as soon as it's shown a balance.
  • gymgirl11gymgirl11 Forumite
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    Morning all.
    Lockdown doesn't make for an exciting diary, does it? Work, eat, clean up, walk, exercise, shower, watch TV and sleep.

    Still not spent anything. I have £12 in my account to last until the 26th and £59 in the joint account for the food shop. This is also the first month I haven't brought anything for myself.. (clothes, books, beauty products, jewellery) 
  • rugbymadfamilyrugbymadfamily Forumite
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    gymgirl11 said:
    Morning all.
    Lockdown doesn't make for an exciting diary, does it? Work, eat, clean up, walk, exercise, shower, watch TV and sleep.

    Still not spent anything. I have £12 in my account to last until the 26th and £59 in the joint account for the food shop. This is also the first month I haven't brought anything for myself.. (clothes, books, beauty products, jewellery) 
    Haha! Am with you on the not very exciting diary, but I find posting regularly just for me even if no one reads it, helps keep me focusing on the financials!
    Current mortgage (1 Jun 2022): £289,501 - originally £351,999 got to love London sized mortgages!
    OP Goal 2022 = 3.75% in OPs: £6,975 / £13,200
    Emergency Fund Target: 3 months saved ✅
     
  • gymgirl11gymgirl11 Forumite
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    gymgirl11 said:
    Morning all.
    Lockdown doesn't make for an exciting diary, does it? Work, eat, clean up, walk, exercise, shower, watch TV and sleep.

    Still not spent anything. I have £12 in my account to last until the 26th and £59 in the joint account for the food shop. This is also the first month I haven't brought anything for myself.. (clothes, books, beauty products, jewellery) 
    Haha! Am with you on the not very exciting diary, but I find posting regularly just for me even if no one reads it, helps keep me focusing on the financials!
    Me too! I think just coming onto the forum and reading other people’s diary is also helpful. Helps pass some time but provides some tips I haven’t thought about before! 
  • gymgirl11gymgirl11 Forumite
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    Stayed up late to book a £1 saver slot for my shopping next week.

    This week the shopping is at £57.89 so under budget and then whatever is left we will move to the savings and set the joint account to £0 to allow a clean slate for payday on Tuesday.

    Next month we will have less full shopping weeks but potentially more takeaways as we are having the kitchen W/C 22.02.21 - if anyone has any tips to live without a fridge/freezer and cooking facilities for a week and a half please let me know!

    We don't own a microwave so it'll be kettle and toaster only! 
  • SuperFrank88SuperFrank88 Forumite
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    gymgirl11 said:
    Stayed up late to book a £1 saver slot for my shopping next week.

    This week the shopping is at £57.89 so under budget and then whatever is left we will move to the savings and set the joint account to £0 to allow a clean slate for payday on Tuesday.

    Next month we will have less full shopping weeks but potentially more takeaways as we are having the kitchen W/C 22.02.21 - if anyone has any tips to live without a fridge/freezer and cooking facilities for a week and a half please let me know!

    We don't own a microwave so it'll be kettle and toaster only! 
    A slow cooker would be a game changer for you :)
  • gymgirl11gymgirl11 Forumite
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    gymgirl11 said:
    Stayed up late to book a £1 saver slot for my shopping next week.

    This week the shopping is at £57.89 so under budget and then whatever is left we will move to the savings and set the joint account to £0 to allow a clean slate for payday on Tuesday.

    Next month we will have less full shopping weeks but potentially more takeaways as we are having the kitchen W/C 22.02.21 - if anyone has any tips to live without a fridge/freezer and cooking facilities for a week and a half please let me know!

    We don't own a microwave so it'll be kettle and toaster only! 
    A slow cooker would be a game changer for you :)
    Ooh, I never thought about this! I shall have a look into it :)
  • gymgirl11gymgirl11 Forumite
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    Shopping came at the latest time in the slot. It felt weird putting shopping away at 9pm.

    My partner got an additional £270 in his pay for this month. He wants to keep £45 to buy Football Manager and then the rest is going into the savings :) At least when he gets football manager I'll get to have control of the television, ha!

    Not much planned for the weekend. I cleaned the kitchen during work breaks today so one less job. And no exercise classes online either as I decided for one weekend to have the whole weekend dedicated to no alarm setting and getting up when my body is ready.
  • gymgirl11gymgirl11 Forumite
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    Lovely bit of snow here so managed to go for a couple of miles walk and then came back to hot chocolates.

    Nothing happening on the money saving front at the moment. I have £12 left and get paid on Tuesday. The £12 is set aside to buy a few birthday breakfast treats for my boyfriend on Wednesday. I won't have to use any of my new payday money then.

    I have planned: a home cooked brunch, an afternoon tea (already purchased bits from M&S), followed by an evening takeaway and the football. We can't obviously go out so I'm bringing all the things we normally do to our home instead.
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