:( jamiedodger's back again

JAMIEDODGER

weyhey! its payday!!:D

i love wednesdays!! off to tescos this morning to do recycling and food shopping (must remember those bags). then i will be going to the post office to pay rent, money into xmas savings account, emrgency fund, car tax stamp and a few other bits.

ive been busy getting ready for the 2nd half 4k challenge, which starts on tuesday. i have all manner of spreadsheets and workings out:D

normal houseworky stuff to do today along with my flylady jobs.

must remember to do my comps and clicks too!

dottyanne

JAMIEDODGER wrote: »

hey dottyanne long time no speak!!!

emergency fund. i put in a fiver a week basic, then what is left over from my weekly spends also gets added in. i spose it will take a long time for it to build up but id rather have a little net than no net at all:D

Ecxellent idea !! Guess what i'm gonna copycat you :-)

:money:

JAMIEDODGER

no worries:D

back from shopping and bill paying

Food - 28.15
Pet Supplies - 7.52
Cleaning - 8.06
Toiletries - 3.80


also paid rent, money into xmas club, emergency savings, a car tax stamp and £5 tescos saving stamps.

have a few other bits to pay out tomorrow, but am aiming on NSD's fri, sat, sun and mon:)

also put £10 away for our holiday and £10 for birthdays, £40 to my mum and £25 to my dad:D

dottyanne

OOOOOOO im so jealous - your SOOOO organised arent you.

Hopefully I can follow suit tomorrow when OH gets paid, gonna get all stuff together for then and get some bills paid finally :-)

JAMIEDODGER

we can cheer each other on. nice to see you back on the dfw wagon btw:)

dottyanne

Yes defo back on 100% , started back on the old debt diary been updating every day - helps to keep you focused and motivated doesnt it?

x

JAMIEDODGER

morning:)

i have a funeral to go to this morning:( will be paying sitter £5 to look after dd. also paid £8 for ds3 school trip. that should be the total of my spends for today.

this leaves me £29.12 for the rest of the week......

will probably pick up a news of the world on sunday for the £5 off £30 spend at tesco voucher which will ruin my nsd for sunday but is worth it!!

oh the joys of budgeting:D

having said that, being organised is being in control. this is the most helpful thing in becoming debt free.....

JAMIEDODGER

apart from nyk's challenge, i have set myself a similar challenge which i started yesterday. i have added up my income and outgoings including debt, i have arrived at a figure that means i would live within my means and be able to save x amount per year. for this first year as i have debt, the outgoings are quite high, once these are paid off then, i would set a lower figure for year 2 which would automatically increase my savings.

paying yourself first is very important to me. if i try and save at the end of the week i dont have much left to save, if i take my savings out on payday, then i have immediately saved more. also if there is any money left at the end of the week i can add this in too...

i aim to increase my savings by perhaps a few pounds per month and hopefully i wont notice the squeeze for a while.

i keep thinking how lovely it would be when the debt is paid back and there is more money to add to the savings pot!:D

JAMIEDODGER

have just gone onto internet banking and paid £15.40 off my cc from leftovers in bank account:) really pleased with this!!

JAMIEDODGER

back from funeral. didnt have to pay for parking as i found a free parking space, but treated myself to a bag of giant chocolate buttons on the way back to the car...56p!!
paid the sitter her £5.00, however noticed that quidco had validated another £5.00 today for something i clicked on 2 days ago, so thats good!!

i have set quidco not to pay out until reaches £100 and that money is going towards xmas:) pigsback has now reached 502 points so i shall keep going with that!

i have 2 things to list on ebay which will do this weekend.... both prizes from comping this month:)

ive also paid this months council tax via online banking £110!!!!

oh and i have £28.56 left in my purse to last 5 days:D