Damsel in Debt Take 2

bekah89

LookingForPeace said:

Bekah you have me howling at getting away with a NSD that was £30 of bubbly  I'm right behind you though! 

Congrats on the finding the few extra bits on the surveys etc. They sound useful! 

🤣🤣🤣 well I include groceries as budgeted spend and technically bubbly is groceries 🤣 I was in two minds of declaring the NSD haha 

thanks! The little amounts add up! 

joedenise

bekah89 said:

LookingForPeace said:

Bekah you have me howling at getting away with a NSD that was £30 of bubbly  I'm right behind you though! 

Congrats on the finding the few extra bits on the surveys etc. They sound useful! 

🤣🤣🤣 well I include groceries as budgeted spend and technically bubbly is groceries 🤣 I was in two minds of declaring the NSD haha 

thanks! The little amounts add up! 

I actually have a YNAB category called Wine and Beer so anything I spend on alcohol during the month is budgeted, LOL!

bekah89

joedenise said:

bekah89 said:

LookingForPeace said:

Bekah you have me howling at getting away with a NSD that was £30 of bubbly  I'm right behind you though! 

Congrats on the finding the few extra bits on the surveys etc. They sound useful! 

🤣🤣🤣 well I include groceries as budgeted spend and technically bubbly is groceries 🤣 I was in two minds of declaring the NSD haha 

thanks! The little amounts add up! 

I actually have a YNAB category called Wine and Beer so anything I spend on alcohol during the month is budgeted, LOL!

Haha brilliant! 😅 exactly, alcohol is bought from the supermarket so within the groceries budget 🤣 

bekah89

6 days until Christmas eek 🎄😬 bought some more presents today. Need to get a few more I’m hoping to find things in John Lewis tomorrow, I’m in the office tomorrow there’s one near my work. Then I’ll be done hopefully! So not an NSD today. My last direct debit came out today for CC2, £54.85 min payment. The PADs will be very small if anything the rest of the month, I’m close to my budget but for the first time in a couple years I’m not putting any Christmas presents on a credit card! So hopefully will stay that way 🤞

LookingForPeace

Congrats! Putting none of Christmas on a card is huge. Also your December PAD total so far is amazing

bekah89

Thank you looking for peace! It’s going to be a close call not putting anything on the card but I might be able to do it! If not I have 0% on purchases on one of my cards so can use that at last resort. Yeah it’s amazing seeing how all my little payments have totted up! Not tracked it before.
So I went to John Lewis got fed up with looking, came home and ordered everything online 😆 just two more presents to get now. So not an NSD today, and I won’t make a PAD today else it may leave me short and have to spend it again haha 

savingholmes

Sounds like you are nearly there with Xmas organisation 

bekah89

Yes nearly there savingholmes just the dreaded wrapping to do now! I collected my order from John Lewis today and picked up the last two Christmas presents now got a massive pile to wrap 😆 still not gone on the cards this month though so that’s good. But no NSD or any PADs to report. But I’m looking forward to my January pay because I’ll be getting some overtime which will go straight off the Halifax card! And will generally be a quiet month so will be able to make some good overpayments 

LookingForPeace

Stick a boxset on the tele and wrap wrap wrap!   

Great news on the overtime ---> Halifax! Exciting month ahead by the sounds of it 

savingholmes

You're making good progress. Hope you are having a lovely festive period too.