The Secret DFW Diary of Eamd Aged 13¾

embarrassed_about_my_debt

Hi, thanks for that, often helps more having someone else looking at things for you.

Bowling and pool are me playing for teams and is once a week. I have already started cutting down on that by last night telling bowling lot that im no longer buying rounds, i'll just buy my own. Pool im going to be doing the same so that should slash the monthly spend on them.

January is my busiest month at work so there will be plenty of over time which i'll be using to cut my debt :j Also got some reasonable value items to sell on ebay so will be doing that. :T

My parents dont know anything about my debt and i really dont want to tell them about it. I know sharing it helps but my parents would be horrified :eek: and i know i can beat this on my own. Im in the fortunate position of not having much in the way of fixed expenditure so can cut down on spending like the bowling. If i do that it will be at least an extra £50 a month.

Minimum weekly overtime in January will be about £100 but could be upto £250 ish. So this will be going straight to my Clear a debt by april challenge:j

embarrassed_about_my_debt

Clear a debt by April update (statement came today, so target increased due to interest and an over sight on my behalf)

Target £2187.03
Done So far £58.94
Remainder £2128.09

embarrassed_about_my_debt

How does every body record their progress? Do you use the amount you've paid off towards your debt or the amount the debt has fallen? i.e months when you've had to put things on CC do you still include what you have paid off as progress or just the movement over the month?

betti911

I now no longer put anything on credit cards. I only spend what I have that month. I tally my debt up as how much I've left to pay- see my sig. Good luck and keep going. You are doing well.

Lemon_Tree

i keep a record of all transactions and one i've done my months accounts, when i get my payslip, i net all my assets (yeah right) against the debts and that's my total for the month.

embarrassed_about_my_debt

Going to stick with the movement then, makes more sense.

Good news is I got paid my xmas bonus at work so paid somemore onto my clear a debt by april challenge!

Got to go get money bags from the post office to count up my rather full Cartman that im going to be using for the sealed pot challenge!

Then i've got my tube ready for doing the two pound coins.

This site is getting addictive!

embarrassed_about_my_debt

just started the pigsback thing, on the thread explaing it it says about clicking on new offers or ones with a pink purple border, i cant find these, can anyone help!

Want to get clicking but only found a few?

betti911

http://forums.moneysavingexpert.com/showthread.html?t=594373

The first page of this pigsback thread should tell you what to do plus people update the quiz answers daily. Good luck!!

evab_2

Hi!

Sounds like a good start, a couple of things I noticed:

* Experian - do you need a monthly statement? If you go through Pigsback you can get a free trial plus piggypoints
* Snooper - what is this?

embarrassed_about_my_debt

yea thanks betti just doesnt seem to be alot of the click throughs also cant find the "more offers as described below

If you don't see any on your Home page refresh the page by pressing F5 on your keyboard or by clicking on "more offers" next to "Your offers" (you may have to do this quite a few times). You should find this way that you will be credited with quite a few Piggypoints as the week goes along.