Debt-free Wannabe

GeordieBird

Good morning all.

I thought it would help me if I keep a record of what I'm spending every day.

That way I can have a look at the end of the month and see really and truly where it's all adding up. If it works for Weightwatchers, it can work for Debtwatchers

I'm also going to give myself a kick up the bum or a pat on the back for the things I've done each day...

Wednesday 16 Jan - took a flask of coffee & my brekkie on the train to work so didn't treat myself to shop-bought pat, pat. Stayed home in the evening so no spends there - let the heating go off and snuggled under a blanket. No spend day

Thursday 17 Jan - Brought brekkie to work. Now, this is the spending bit, BUT, I got bargains - hear me out! I had my legs and underarms waxed and a facial for £14 at the beauty training college. Then I went and had my, ahem, bikini line done at a proper salon for £10. I can't quite brave the students doing that! Had evening meal out with work - free, hurray! Cycled everywhere so no travel costs. I went to my charity group and gave them £2.50 (not something I can give up).

Friday 18 Jan -more tasty muesli at work. Brought coffee too. Cycling everywhere today as well, apart from to pick up OH at the airport later. No spend day

So, I'm feeling all inspired and virtuous, but it's been a good week MSE-wise. The weekend should be good too. I'm making two birthday cards out of old xmas cards (my plan for all the birthdays this year) and going to a friends for dinner.

Have a lovely weekend MSErs

GB x

thefuturesbright_2

Very lazy not cycling to pick OH up from airport

Well done though and good luck.

Wildchild_2

Just wanted to wish you the best of luck and keep up th egood work. You are doing very well :T

Valley's_girl

Just wanted to wish you good luck
Ally x

TwinMummy

Good luck, if you can keep it up you'll be debt free in no time!

GeordieBird

Thanks everyone!

Not quite a no spend day after all...

Paid £100 on BoS credit card today - paid over minimum payment. Can't wait til the balance transfer onto my new Virgin 0% card

And paid £41.25 towards Mum's 60th birthday present. Us kids are going all out this year, which is fair enough I feel. She did get a handmade card, and local flowers, not daft expensive ones.

£141.25

GB

GeordieBird

thefuturesbright wrote: »

Very lazy not cycling to pick OH up from airport

Well done though and good luck.

You've clearly never met!

Got my new 0% Virgin c/card today. Balance transfers going through in a few days, then the scissors will be wielded. No mercy :j

GB

GeordieBird

£3.75 @ newsagent - paper (only get weekend ones), juice & water

£1.70 @ health food shop

£20 bank charge for going overdrawn last month :mad: - it's getting added to the list!

That's it for today - dinner at friend's and have booze in the house to take

£25.45

GB

GeordieBird

Saturday 19 January - £1.50 water and rizlas (for OH) from newsagent

Sunday 20 January - £25 dinner with friends at restaurant (not often) :rolleyes:

Getting a new water filter as a belated xmas pressie, so I won't be buying any more bottled water. I know I should drink tap, but I hate the taste. Normally fill up bottles from the bubbler at work...;)

Today - £2 (?) petrol taking OH to train station.

weekend & today: £28.50

Charging my phone at work means a bit less on the leccy at home. Although our stupid landlord's have failed to fix our heating, meaning we're using an electric heater :mad: . Need to make all the savings we can on the bill cos of that one.

Will keep an eye on my transfers to 0% card. And check my old insurance has cancelled...

GB

GeordieBird

£4.99 LoveFilm subscription. Humming and deciding about whether to keep this one. It does keep me out of the pricey flicks, but should I just stick to getting DVDs from the library

£312.50 rent. Nothing I can do about this one. That's the price! Saving up to buy a place with OH. Should be ok by November... :rolleyes:

£6.25 Bodyflik. Like a squeedgy thing. It removes excess water off your skin so you use (and launder) your towels less. Good for swimming too. :cool:

Going to a birthday party tonight. Made his card (free) and I'll get a charity shop or £1 shop pressie. He's 6, so likes that sort o' thing £5

£328.74

Could have not spent the £4.99 on LoveFilm. Bodyflik is one-off purchase that will hopefully save ££

GB

GeordieBird

Co-op credit card has transferred today :beer: !

I called them immediately and cancelled, then cut up the card.

Cheeky b*ggers asked if I wanted a top up on my loan :mad: . How dare they! It's no wonder people get into difficulty. I'm glad I'm in a position to say no. While thinking "scr*w you" VERY LOUDLY.

GB