:( jamiedodger's back again

postingalwaysposting

Glas to see you had a good time Jamie. Well done on the spend thats fab :j Have a great time today with the children

JAMIEDODGER

thanks PAP:)

day 3 of half term already!!!

Nothing much planned for today, I have a post office run to do this morning and may drive to farm shop to pick up pumpkins for the kids to carve this week.

Ex is coming over tomorrow to look after kids so I can go food shopping:)

It looks ok outside this morning so am going to try and get some washing on the line today!

Paid my 3.50 to creditcard and will try and make an extra payment of 3.50 everyday this week. Its really coming down and will be gone before I know it!:D

Verbatim

Glad you enjoyed your evening out JD.

JAMIEDODGER

morning all:)

paid my 3.50 to credit card. gas&elec dd came out this morning. off to tescos today to do the weekly shop! budget £50. have bought a few bits in bulk recently so hoping i can reduce the amount i need to buy this week, or maybe bulk buy something else....

weather looks ok so more washing on the line today!

JAMIEDODGER

paid another £3.50 to credit card this morning:) slowly getting there!

have post office run to do today and need to withdraw some money from one bank to pay to the other.

just finishing off the last bits to octobers spreadsheet. Its quite shocking when you write everything down to see exactly where all that money goes!

currently i am only putting away 4% of my total monthly income into savings and 18% to debt repayments. next month i would like to see debt repayment increase to 20% and although i would like to see the savings go up i am happy to continue to overpay on the debt until it has gone.

next year after i am debt free again, i would like to be able to put 25% of monthly income into savings. thats the plan anyway!

JAMIEDODGER

took the children to buy pumpkins yesterday and spent the afternoon carving them. today i will be putting finishing touches to the halloween costumes.

no post office run to do today, so i will be having a day catching up on the washing! cant believe its thursday already! only 3 days left of half term, its gone really fast.

i am all set to do a bit of xmas shopping on monday. i checked my balance on post office xmas savings club and have £65 on there, that will take care of all the little ones on my list. I will probably take £30 in cash with me and buy a couple of other prezzies on my list. not many left to get now:)

paid the 3.50 to creditcard this morning too!

JAMIEDODGER

ooh its blimin cold this morning!

logged onto internet banking and paid the 3.50 to credit card this morning. be so glad when its gone!

managed to have a NSD yesterday not including my overpayments to cc though.

tonight we are out trick or treating with friends. ds3 is going to his carers this morning and will be having halloween fun with them today:)

looking forward to tomorrow as interest gets paid to my savings account:D how sad is that lol.

JAMIEDODGER

back from trick or treating! the kids did really well and are very happy with their 'loot' everyone in the street was lovely and lots of people had decorations up and bowls of sweeties for the children:)

had a quick look over accounts this evening, have juggled a few different payments around for next month and it looking like november will be a great overpayment month!!

will be concentrating on the creditcard mainly, with a small payment to my emergency fund. I want to continue my 3.50 'payment a day' to the cc.

also managed not to spend any money today (except the PaD) yay! another NSD for me:)

Aiming on having 2 more NSD's tomorrow and sunday.

JAMIEDODGER

Its the weekend and I wake up at 4am!!!! Couldnt go back to sleep. How frustrating!!

Have just checked online banking for all my accounts. Interest has been paid on savings so really happy its not much but its something!:)

Made my PaD this morning:

£4.50 Creditcard
£2.35 Cashpot
£2.00 Isa

£8.85 total, not bad for day one of November!!:j Will be having a NSD here today (hopefully unless anything I dont know about happens!) Have joined the November NSD Challenge and have put myself down for 20 days!!:eek:

Have updated MMoney with interest and PaD payments. Also started filling in my nice new spreadsheet for my November Spending Diary:) I love being organised, its very liberating:D

Might go and make another cup of tea now and have a browse.....

JAMIEDODGER

ooh just sold a book on amazon for 10.91, have to deduct postage but once the payment clears its heading straight to my ISA:)