Getting rid of that debt in 24

itsthelittlethings

I got my shampoo. They were tiny bottles! The Superdrug stuff is ok. My hair is looking nice. I’ve ended up with £25 cash so I am going out for tea with my friend this afternoon.

I've cut out caffeine.

Money win this week, I wanted a calendar but I got one off the free app. It’s one where you put photos in.

itsthelittlethings

Spent £25 on lunch yesterday. It wasn’t amazing and I didn’t feel great. But it was very nice to see my friend. We went to a lovely art gallery which had an exhibition of prints. I was sorely tempted.

Hoping for a NSD today.

Need to do my spreadsheet and work out if I can afford a new phone contract. I also want to join a gym. I suspect it’s either/ or although I think Pure gym is only about £15/ month.

MFWannabe

Do you really need a new phone? 

If you do work out if it will be cheaper to buy handset and go sim only; usually works out much cheaper 

don’t take this the wrong way but you sound very much like me, determined to pay off debt and then buy stuff 🙄 that you think you need at the time but then afterwards know you could have done without it til you had the money to but it 

itsthelittlethings

I don’t need a new phone except the battery doesn’t last very long. I will need a new one at some point.

Quiet afternoon. I’m watching Dogma the Kevin Smith film. £1 in the charity shop, DVD player free. Waiting in for Olio collectors.

I did buy a coffee this morning and some wool.

itsthelittlethings

I use contract phones because I can’t cope with saving up for a phone on top of everything else.

Karonher

Do you have any Cash Convertors by you? They usually have phones. They wont be the latest ones but could last until you save up for a new one.

MFWannabe

itsthelittlethings said:

I use contract phones because I can’t cope with saving up for a phone on top of everything else.

My current phone I purchased on 12 months buy now pay later and just paid it monthly; paid off before interest kicked in and a LOT cheaper than contract 

Lonelygambler

Hey, 

Have you looked at your options on here for mobile phones? 

Batteries can be replaced on nearly all phones, even apple. SIM only are the way to go if you need to save money. Myself included. 

I hope you can get it sorted. 

Highlanddream

itsthelittlethings said:

I don’t need a new phone except the battery doesn’t last very long. I will need a new one at some point.

Quiet afternoon. I’m watching Dogma the Kevin Smith film. £1 in the charity shop, DVD player free. Waiting in for Olio collectors.

I did buy a coffee this morning and some wool.

I've just bought a second hand phone for £90, nothing special but does the job perfectly. Is it worth you looking at one ? I was worried the battery would be rubbish but I unplugged it at 6.30 this morning and at 330 this pm it was still at 72%. Admittedly I haven't used it much today but even so .....

PennysIntoPounds

Hiya, I've just come across your diary, many well dones on paying off your credit card, that's brilliant! 
I would definitely recommend doing a SOA, even if it's just based on one month, lots of knowledgeable people on here and it's amazing how much we don't see ourselves because it's our 'normal'.
As you've said, you do sound a little lost as to think about money and what it's for, what are your hopes/needs for the rest of this tax year and beyond?
An emergency fund so things like heating fixes don't put you in a skint position is good, a bigger emergency fund to cover three months bills and living is even gooder!
Are you happy with where you live, could that be a longer save towards?
You've mentioned wanting to put spare money towards holidays, working out where and when then saving in an exciting holiday pot sounds great for you. 
You're in a really good position, well done- I hope you get your MSE mojo soon 😊