Debt and Budget (Reset) plan

shell16

Thanks @LittleMissDetermined I have various bits and pieces I use everyday, I suppose I like many budget tools rather than 1 to ensure Im getting to the same figures every month/week.  

I have been very lucky with my Prolific cashouts and have had some good paying ones with bonus's attached.  Been busy this week though and not many surveys completed.  Keep up if you can LMD with the surveys, in just 11 months Ive cleared well over £400 which is great.

Ive made a £5 PAD payment to Lloyds CC today, my usual payment of £114 comes out tomorrow and I have sent a further £111.03 to that card in the last month.  My minimum payment is £30.50 so paid well over what I need to, but focussed on paying off.  That is the one card that has always had a balance on, its that annoying one that I just want gone

Not in work again today as awaiting a delivery so have saved another £12, which I will send to Lloyds again and that will hopefully hit my account before my DD comes out if not will be £12 towards next months overpayment.

Thats about all for now
Shell x

sunshine_raincloud

Wow Shell that is loads of money to have cleared from surveys!

I tried to join prolific back in January but seem to be on some sort of never ending waiting list. 

You've done so well with them. 

Are you focussing on the Lloyds CC at the minute because of the interest? Will be good to see it gone!

shell16

sunshine_raincloud said:

Wow Shell that is loads of money to have cleared from surveys!

I tried to join prolific back in January but seem to be on some sort of never ending waiting list. 

You've done so well with them. 

Are you focussing on the Lloyds CC at the minute because of the interest? Will be good to see it gone!

Hiya @sunshin@sunshine_raincloud, im really pleased with Prolific pay-outs, more than I imagined to be honest.  Its a shame they have introduced waiting lists, you would think the more people they have with different backgrounds etc would be of benefit?  

Im really focussed on Lloyds as this is the only CC I have with interest albeit a low 3.9% until April 24 but like I said its the 1 card thats had a never ending balance on it, I just need to see it at zero :lol

Just had a quick catch up on your diary about your struggles with a budget.  I found watching youchoob and people completing their budgets were a great way to tackle mine.  Lots of ideas etc, if you would like I will send you a message on the channels I actively watch and help me?

Thanks for stopping by 
Shell x

Sewn

Just read your diary @shell16 you're doing great and keeping focussed! all those extra little payments soon add up and help to keep you motivated

shell16

Thanks @Sewn for checking in and reading my diary, nice to know others are reading and check in from time to time.  Looks like you have also been doing very well with your debt, truly amazing how much you have paid off in 5 months!

Shell x

Squirrelz92

Very jealous of your Prolific payouts! Such an amazing amount to clear! Woooooo go you!

shell16

Thanks @Squirrelz92

Ive been too busy this week to do anymore unfortunately but plan to get back on these as soon as I can
Shell x

shell16

Quick update, just topped up shopping as running out of bits.  Totalled up and have spent below £100 grocery target for the week (Calling early as last day for budget is tomorrow before resetting again on Friday).  £6.33 change from Grocery sent to 1p challenge and good to see this taking a little bit more traction than has seen recently.  This months pay check should see me contribute further to the 1p challenge and balance topping over £100.  Still lots to catch up, im nowhere near others doing the challenge

LittleMissDetermined

Nice work on the budget @shell16 - I never think to add to the 1p challenge but I include it in my sealed pot anyway so it will all go to the same place eventually (i.e. the shops in the black Friday sales )
LMD x

sunshine_raincloud

shell16 said:

sunshine_raincloud said:

Wow Shell that is loads of money to have cleared from surveys!

I tried to join prolific back in January but seem to be on some sort of never ending waiting list. 

You've done so well with them. 

Are you focussing on the Lloyds CC at the minute because of the interest? Will be good to see it gone!

Hiya @sunshin@sunshine_raincloud, im really pleased with Prolific pay-outs, more than I imagined to be honest.  Its a shame they have introduced waiting lists, you would think the more people they have with different backgrounds etc would be of benefit?  

Im really focussed on Lloyds as this is the only CC I have with interest albeit a low 3.9% until April 24 but like I said its the 1 card thats had a never ending balance on it, I just need to see it at zero :lol

Just had a quick catch up on your diary about your struggles with a budget.  I found watching youchoob and people completing their budgets were a great way to tackle mine.  Lots of ideas etc, if you would like I will send you a message on the channels I actively watch and help me?

Thanks for stopping by 
Shell x

Hi Shell! That would be great thanks!