Choccy's last debt diary! Tme to stop messing and focus.

It's such a shame the banks are moving away from the high street. I really feel for the older generation here. Our local post office was ram raided and has been shut for weeks now. Cash machines ripped out of village shops its nearly impossible to get £ notes now.

Did he get much interest twiggy? Will have to go Monday to sort the accounts out. Going to leave the surprise cash in the account and move our EF £1k over too. Trying to get it built up to £1500 over next few months.

Still eBaying and had a sale yesterday so another £9 profit into the sealed pot. Need to keep up momentum with the posting.

hit min pay out confirmed this morning on Prolific so another £6.16 added to spc.

I use both receipt hog and shoppix but find RH so slow and I'm 46 points away from £15. I've had £20 from Shoppix but on the way to another £5.

Accounts update and whoooop we owe less than £10000!

Zopa 1 nov payment £62.76 o/s £1694.40
Zopa 2 nov payment £197.50 o/s £6715.11
0% Cc - min pay not due until 18th o/s £1534.00

First Payments cleared £260.26 paid / £6241.08 target by 25/12/20 4% done!

Thanks beanie so excited to get it down. Told hubby and he was more interested that normal, so all good.

I've finally been to the bank for the old accounts and had a nice surprise. In my two there are as £128.42. I paid on £2 in copper as never in a branch very often. I've squirrelled all the money from our joint account now bills all gone. Both cars full of fuel and we've got plenty of good in. I've £10 in my wallet which will have to last until Tuesday when my esa gets paid.

I'm trying this method to enforce us to keep to the budget. I need peppercorns and grease proof paper which I'll get today, but weekend will be NSDs x2

I've moved our EF cash so getting the 3% in the tsb account and our balance now stands at £1525.42 with everything added together. Going to budget and try and increase this upto £2 over next few months.

2 x Christmas cakes made and they smell
Amazing. Meal planning going well but we did swap meals from yesterday/today as hubby not in tonight and he wanted 2 chicken pies from the freezer.

Holding off a big shop until tomorrow and spent £7.92 on milk, bread and few bits yesterday.

Surveys have been going well and I finally hit £25 on 1poll yesterday. prolific has been lucrative and I've £8 something clear with £4 pending. All this cash will be hidden away in my sealed pot bank account once it clears.

Hubby at a funeral tomorrow which is a round trip of about 360 miles so he'll need fuel and dinner on the road.

Joint account will be pretty empty after tomorrow until next payments come on next week. Have another pretty quiet weekend planned and cutting out all non essential spending. Kids doing well taking homemade soup to school for lunch.

I've still £80 on Eldest's daughter's exchange trip which I'm hoping to clear when hubby is paid. Youngest's DofE is ridiculously expensive but she won't have a trip this school year. I've paid £30 and will have approximately £220 left once they add it to our cashless paymebtvv BC account.

I'm sure everyone feels like they're treading water, but I'm frustrated our income doesn't all come it at once. Feel like I'm always waiting for the next cash and the debts don't seem to move month to month. They are going down I know, but feels so slowly you can't see it.

Day 2 checking in with quick update. NSD today which is first in a long time.

Joint account looking pretty sparse, but only need odd food and fuel for my car before pay day. Balance £65.36. The child benefit is due on 28th and then both our pay day.

Savings pots looking sad ��
Sealed pot for xmas 2020 - £9.60
Girls clothing £12.59
Birthday fund £0.08
Dog fund £0.26
Kids activities £21.10