Mints, Marzipan and Praline chocolate

IndiJonesi

Just debt repayments made today so nothing to update on the savings side.  Much prefer putting to savings though, admittedly.

CC2
£6.82+£6.83 / 191.02 (7.15%) - Day 2 of 28
£0 / £187.12
£0 / £187.12
£0 / £187.12

CC1
£489.09 TCC - 11/22 - £7.00+£10.45 / £489.09 (3.57%) - Day 2 of 17
£538.78 TCC - 12/22
£171.95 TCC - 01/23
£171.00 TCC - 02/23
£402.43 TCC - 04/23
£259.26 TCC - 05/23
£136.70 TCC - 06/23
£100.39 TCC - 06/22 - paid in full 28/05/23
£492.21 TCC - 07/22 - paid in full 28/05/23
£249.89 TCC - 08/22 - paid in full 28/05/23
£212.22 TCC - 09/22 - paid in full
£344.67 TCC - 10/22 - paid in full

Did a change order when I got him from work early hours of this morning and I'll collect it before I go to work late this afternoon.  I decided to do it this way to save on "day out" costs.  We used to do the change order and the cash and carry and have some lunch when we had a day off, but I figured that if I do the change order myself on one of my work days then it will save me about £10 in fuel costs as I am going to work anyway.  DH will do the cash and carry order so that won't incur costs for me as he will use his own car.

We are down to not a scrap of bread in the house now and I am still on my NSD challenge for this month.  So no toast with raspberry jam for breakfast and no sandwiches for work.  Will have to go with porridge for breakfast and yesterday I took spag bol out of the freezer which I will have at work.  Not sure how long I can eke it out for but time will tell.  I am working right through until Tuesday next week and I don't like having to do a shopping before I go out to work.  The only soup (tinned) left in the house is Carrot and Coriander and I am not too fussed on it.  Might manage to make a pot of lentil and potato which would do me for a few days.  DH doesn't like my cooking so he will fend for himself with takeaways and we rarely see each other as he works earlies and I work lates.  I am currently at 18 NSD days and have still to report for today but that won't happen until tonight.

IndiJonesi

I forgot to write about what was on my mind last night...I want to opt out of birthday and Christmas present buying/receiving.  My SiL has already purchased my birthday present and my birthday is near the end of the year.  I'm going to cause offence when I broach this with some of my friends/family but it's something that I want to extract myself from having to do.  When I get on top of my finances I want to start selling my belongings and so to receive more things from people just adds more stuff to my life which goes against my trying to get rid of all the stuff that I already have.  I would be much happier if they used what they were going to spend on me for themselves and I can do likewise i.e paying off my debt/adding to my savings.  Something else that is to be done that fills me with dread.

IndiJonesi

Good morning, midweek already and only two more days until payday, yipee doo.  On the debt repayment front, update is as follows:

CC2
£6.82+£6.83+£6.82 / 191.02 (10.72%) - Day 3 of 28
£0 / £187.12
£0 / £187.12
£0 / £187.12

CC1
£489.09 TCC - 11/22 - £7.00+£10.45+£200 / £489.09 (44.46%) - Day 3 of 17
£538.78 TCC - 12/22
£171.95 TCC - 01/23
£171.00 TCC - 02/23
£402.43 TCC - 04/23
£259.26 TCC - 05/23
£136.70 TCC - 06/23
£100.39 TCC - 06/22 - paid in full 28/05/23
£492.21 TCC - 07/22 - paid in full 28/05/23
£249.89 TCC - 08/22 - paid in full 28/05/23
£212.22 TCC - 09/22 - paid in full
£344.67 TCC - 10/22 - paid in full

Zilcho to savings!

IndiJonesi

Update for today is 

CC2
£6.82+£6.83+£6.82+£6.83 / 191.02 (14.29%) - Day 4 of 28
£0 / £187.12
£0 / £187.12
£0 / £187.12

CC1
£489.09 TCC - 11/22 - £7.00+£10.45+£200+£7.98 / £489.09 (46.09%) - Day 4 of 17
£538.78 TCC - 12/22
£171.95 TCC - 01/23
£171.00 TCC - 02/23
£402.43 TCC - 04/23
£259.26 TCC - 05/23
£136.70 TCC - 06/23
£100.39 TCC - 06/22 - paid in full 28/05/23
£492.21 TCC - 07/22 - paid in full 28/05/23
£249.89 TCC - 08/22 - paid in full 28/05/23
£212.22 TCC - 09/22 - paid in full
£344.67 TCC - 10/22 - paid in full

I missed out from yesterday's update about the tyres on my car.  The tyres on my car are regularly low on air and there is always one that loses more air than any of the rest.  I have to use the machine at the garage to top them up, but that is £1 each time, and I rarely have change on me, so I have to withdraw money from their cash  machine, buy something and then ask for a pound coin in the change.  However, DH has an air compressor which is stored under a car port canopy at the side of the driveway.  Sometimes, he will put air in the tyres for me but he always finds it such a chore.  He did the air the last time and he always disagrees with me on what the pressure should be, so I am permanently driving around with the "check tyre pressure" message on the dashboard of the car.  I had asked him a few weeks ago to check the tyres for me but he hadn't got round to that "chore".  The day before yesterday, I was on my way to work and the car beeped at me to tell me I had a puncture.  I wasn't far from the house so decided to turn back and attempt at having a go at working the air compressor myself.  I did not want to have to go to the garage and spend the money that I usually do because I am on the No Spend Day challenge.  I am delighted to say that I am now "competent" on operating it, thus saving myself dough and will no longer have to ask him to do the air.  The message is no longer on the dashboard telling me to check the tyre pressure.  Result.

IndiJonesi

Missed yesterday, completely, and it was pay day!  Made the following payments today:

CC2
£6.82+£6.83+£6.82+£6.83+£6.82+£6.83 / 191.02 (21.44%) - Day 6 of 28
£0 / £187.12
£0 / £187.12
£0 / £187.12

CC1
£489.09 TCC - 11/22 - £7.00+£10.45+£200+£7.98+£8.20+£5.10 / £489.09 (48.81%) - Day 6 of 17
£538.78 TCC - 12/22
£171.95 TCC - 01/23
£171.00 TCC - 02/23
£402.43 TCC - 04/23
£259.26 TCC - 05/23
£136.70 TCC - 06/23
£100.39 TCC - 06/22 - paid in full 28/05/23
£492.21 TCC - 07/22 - paid in full 28/05/23
£249.89 TCC - 08/22 - paid in full 28/05/23
£212.22 TCC - 09/22 - paid in full
£344.67 TCC - 10/22 - paid in full

I took pain relief after I finished work and it knocked me for six yesterday and I'm still feeling it a bit today.  I managed to work my shift yesterday but did nothing other than that.  I have made yesterday's payments today though.  

I was coming home from yesterday's shift and it was the early hours of this morning.  I was approaching a junction but stopped short to let four (drunk) pedestrians cross the road in front of me.  They all smiled and waved their thanks and all was well.  I went to drive forward and one of the pedestrians (a bloke) decided to turn back and as he was walking towards my car (passenger side), he had his arm outstretched and was going to open my car door.  I hit the accelerator and left him standing.  Lesson for me there, from now onwards, is to lock myself in my car.  I'm guessing that he was going to ask for a lift.  Thank goodness I managed to avoid running over his toes.  

IndiJonesi

Just to add to the bloke story above and by way of explanation of my own actions:  I was polite and gave way to people so that they could cross the road safely.  This gesture then led to the assumption that it would be acceptable to approach my vehicle and open my car door.  That would have been an invasion of my property and my space and I don't allow that.  I don't go where I am not invited!

IndiJonesi

Good morning, update on the financials is as follows:

CC2
£6.82+£6.83+£6.82+£6.83+£6.82+£6.83+£6.82 / 191.02 (25%) - Day 7 of 28
£0 / £187.12
£0 / £187.12
£0 / £187.12

CC1
£489.09 TCC - 11/22 - £7.00+£10.45+£200+£7.98+£8.20+£5.10+£25.50 / £489.09 (54.02%) - Day 7 of 17
£538.78 TCC - 12/22
£171.95 TCC - 01/23
£171.00 TCC - 02/23
£402.43 TCC - 04/23
£259.26 TCC - 05/23
£136.70 TCC - 06/23
£100.39 TCC - 06/22 - paid in full 28/05/23
£492.21 TCC - 07/22 - paid in full 28/05/23
£249.89 TCC - 08/22 - paid in full 28/05/23
£212.22 TCC - 09/22 - paid in full
£344.67 TCC - 10/22 - paid in full

Now a quarter of the way through on CC2 and just over half way on CC1 (November 22 debt).  Still have CC3 ticking along on the background but I'll just leave that with the direct debit of £25 ish each month for the time being.  Once CC2 has been paid, I will then focus on CC3 with an aim of £5 per day going to it.  

Work was without event yesterday and I am out on overtime today.  Not my fave shift today as it is a long one, but it puts pennies in the bank which is the aim.  Will be able to pass the rostering on to one of the staff at DH business so that is a huge plus.  It was DH who suggested it and after a week of consideration, I decided to take up the offer.  He has spoken to the staff member and she is happy to take it on.  

I had my eye on doing a course which starts September and was going to do my application some time today.  Transpires that it is now fully booked.  Dropped the ball on that one big time.  Slightly disappointed, but perhaps it's for the best.  Will now look at a different option.  I regularly look at courses and I regularly take them on.  I just never finish them as I keep going out on overtime at work.  There are more staff starting at my work and the overtime is already diminishing so I should be able to take something on and complete it.  Just need to keep away from the telly as well!

outoftheviciouscircle

IndiJonesi said:

I forgot to write about what was on my mind last night...I want to opt out of birthday and Christmas present buying/receiving.  My SiL has already purchased my birthday present and my birthday is near the end of the year.  I'm going to cause offence when I broach this with some of my friends/family but it's something that I want to extract myself from having to do.  When I get on top of my finances I want to start selling my belongings and so to receive more things from people just adds more stuff to my life which goes against my trying to get rid of all the stuff that I already have.  I would be much happier if they used what they were going to spend on me for themselves and I can do likewise i.e paying off my debt/adding to my savings.  Something else that is to be done that fills me with dread.

I am completely with you on this. Our families don't know the extent of our debt and too be perfectly honest I don't want to tell them either. There is this expectation in our family too that we spend around £100 on each other for Christmas and £50 on birthdays. I've tried to manage it better this year by giving gifts rather than cash in the hope I can find a better deal on it or by getting some cash back but I don't like buying gifts that I'm not sure people want as I don't appreciate it when thats done to me. I think I'm going to suck it up for this year but at Christmas time, I'll say I'm not doing it next year.

IndiJonesi

Will add to this post later, but so far...

CC2
£6.82+£6.83+£6.82+£6.83+£6.82+£6.83+£6.82+£6.83 / 191.02 (28.58%) - Day 8 of 28
£0 / £187.12
£0 / £187.12
£0 / £187.12

CC1
£489.09 TCC - 11/22 - £7.00+£10.45+£200+£7.98+£8.20+£5.10+£25.50+£9.00 / £489.09 (55.86%) - Day 8 of 17
£538.78 TCC - 12/22
£171.95 TCC - 01/23
£171.00 TCC - 02/23
£402.43 TCC - 04/23
£259.26 TCC - 05/23
£136.70 TCC - 06/23
£100.39 TCC - 06/22 - paid in full 28/05/23
£492.21 TCC - 07/22 - paid in full 28/05/23
£249.89 TCC - 08/22 - paid in full 28/05/23
£212.22 TCC - 09/22 - paid in full
£344.67 TCC - 10/22 - paid in full

IndiJonesi

What a fibber...I didn't add anything to the above post.  I came home after work, plonked myself in front of the telly and then went to bed.  I didn't even wash up the dishes that were in the sink.  I only have one financial update today as I was unable to get my credit card payment done.  I will try to pay it with a debit card later on today instead of doing it with the online connection thingy.  I added some more to savings yesterday with the cash stuffing and the 365p day challenges.  One is official and the other is unofficial.  It means going to the post office to physically draw cash out of my account and I quite enjoy doing this.  I live in a little village and it is nice to get a chat with the post-master and anyone else that is about.  That is me over half way through the number of days on CC1 and just have 8 more to go till I finish up the Nov 22 debt.  I have picked up an overtime shift for tomorrow as well and am hoping for one on Thursday too.

CC2
£6.82+£6.83+£6.82+£6.83+£6.82+£6.83+£6.82+£6.83+£6.82 / 191.02 (32.15%) - Day 9 of 28
£0 / £187.12
£0 / £187.12
£0 / £187.12

CC1
£489.09 TCC - 11/22 - £7.00+£10.45+£200+£7.98+£8.20+£5.10+£25.50+£9.00+£3.95 / £489.09 (56.67%) - Day 9 of 17
£538.78 TCC - 12/22
£171.95 TCC - 01/23
£171.00 TCC - 02/23
£402.43 TCC - 04/23
£259.26 TCC - 05/23
£136.70 TCC - 06/23
£100.39 TCC - 06/22 - paid in full 28/05/23
£492.21 TCC - 07/22 - paid in full 28/05/23
£249.89 TCC - 08/22 - paid in full 28/05/23
£212.22 TCC - 09/22 - paid in full
£344.67 TCC - 10/22 - paid in full