Third time's the charm...

bigbeff

wow, less than a year! Go you! You have really helped keep me motivated too, can’t believe I’ve stuck at it this long… I think I need to project a debt free date! 

LittleMissDetermined

Glad I can help motivate, that’s the beauty of this forum, there is never any judgement, just support and advice ☺️

Here’s hoping it’s less than a year, if things go to plan. 
LMD x

LittleMissDetermined

Good morning everyone, I hope you're all doing well? The sun has made an appearance this morning and that, combined with the fact that I am starting to feel better has really lifted my mood.  I am still testing positive but I can see that it's fading so that's great! 

Today will be another NSD for me, number 11 of the month so far.  I am certain that once I am allowed to go out I will make up for it haha. Until then I will take advantage of the extra unplanned NSDs... PAD today is £1 to CC7, there are lots of big PADs going on at the moment, but I am happy with my £1 a day (plus survey extras as and when) and then the large ones at pay day.  It all makes a difference, after all.  

I have started logging my debt free date in my budget journal as 27 July 2023, and it's in pen (!) so it's kinda official in terms of my new target    In all seriousness, I know I can move this out, but I work much better under a bit of pressure and it's lovely knowing I can be debt free in 315 days time.  

Finally, after a flurry of studies on Prolific, that all seems to have quietened down again. I will keep my eye out for more today and see what comes up, will also log into Y-Live and see if there's anything on there. 

That's all for now, enjoy your Wednesdays guys
LMD x

Sun_Addict

I’m glad you’re starting to feel better 😃

Squirrelz92

Morning @LittleMissDetermined I have finally caught up on your diary! So pleased to hear that you had a great time on holiday but it sucks you brought back covid It's awful being ill and having no energy to do anything but like you said, at least there's a positive being more NSD's! Congrats on your new DF date!!! Soooo pleased for you being able to bring it forward. How exciting being less than a year away 

LittleMissDetermined

Good morning, and thanks for the support guys I am thrilled to be able to clear the debt in less than a year (314 days and counting ) There is a good chance it will be sooner but I don't want to push my luck.  

There's only about 6 weeks to go until we open the sealed pot which is exciting and I am glad that I took part in this challenge.  It's definitely something I will continue to do, especially as we open at the run up to Black Friday, Christmas and my usual holiday time, it means that the money will go to good use and I won't have to scrimp or go without. 

Today's PAD included my phone bill (£67.33 - You don't need to tell me that this is extortionate, but I'm locked in til April) my regular £18 payment to the sealed pot and £1 to CC7.  I will never have a regular phone contract again, this was the first in a long time to be honest as I used to buy my handset from Apple and have a sim only contract. Lesson learned, I will go back to my old ways from next year! 

Today is another NSD, we have supplies in for meals and plans tonight are to catch up on some TV.  As I am now getting my taste and smell back we are planning a Chinese take out tomorrow evening so I'll be back to spending. It's not going to break the bank but it's non-essential spending none-the less.

Not much else to report, the bills account balance is looking particularly sorry for itself with just £44 in there but there's only my iCloud payment and my PADs to come out now before pay day (12 days to go) and my available to spend from my other accounts is about £23/day so that's quite good! I definitely won't use £23 each day so there's a good chance there will be some left over for sending to the EF or some larger PADs at the end of the month. 

Hmm, think that's all for now, you're all up to date with where my head is at
LMD x 

Sun_Addict

I think you deserve that takeout 😁

LittleMissDetermined

Sun_Addict said:

I think you deserve that takeout 😁

Agreed!! 

LittleMissDetermined

Good morning lovely MSE-ers and happy Friday! 

I am in a good mood today, all my meetings for the day have been cancelled and it means I can have a really good catch up day with admin and project work Plus, the sun is shining and it seems a good day for getting laundry on the line. 

I have made my PAD to CC7 this morning of £1 and I have also sent £3 to my sealed pot just now. Today isn't a NSD for me, but I would imagine that from being poorly I will smash my target of 13 this month. I am veeerrry much looking forward to Chinese food tonight, in fact it may have featured in last nights dream  

It will be a quiet weekend for us, hubby will be at work on Sunday and Monday so I will try and catch up on some housework that I've just not had the energy to do lately. I'll get the Patreon app going and see what TOMM inspiration I can get from listening to Gemma Bray, it usually works a treat.

I may also end up doing some work this weekend, as it's been busy since I got back from holiday but I will see what I manage to get boxed off today. Hopefully I can fly through it with no interruptions and it will remove the need for working at the weekend. I am in the office one day next week and it will be nice to catch up with colleagues face to face for a change.

I hope everyone's doing OK? I've seen lots of posts lately about the cost of food going up, I have to say I've not been to the supermarket since before I went on holiday as I have been sending hubby... Therefore I haven't noticed but my friends on social media who normally just make ends meet are really starting to struggle.  I hope the planned energy fix can do something about it, heading into winter will be a worry for us all.

That's all from me today
LMD x

RelievedSheff

Enjoy your Chinese