Single 20 something mum - time to kick myself up the bum!

Thank you all for the great ideas!

DawnW - I've signed up to that free postcode lottery didn't even know it existed so thank you!

butterfly234 - Thankyou for the suggestions on surveys and make £10 a day thread I'll have a look into those! I'm lucky I have really good family (my daughter's dad is also really good too, he has her set days pays maintenance etc so I don't have any stress regarding that). My mum and step dad have helped me out loads in the past and still pay for a lot for my daughter. Makes me even more embarrassed that I've gotten into such a mess.

Didn't get a chance to pop out today so today was another NSD, have worked out - for those who like to exercise but can't afford the gym Fitnessblender is BRILL!!
Just typing this then finishing my essay and making some carrot soup!

Tomorrow is my day off so will pop out to get the wrapping paper maybe take my daughter to a play centre depending on the weather. Have around £8 in my purse unaccounted for so that will cover that.

Hope everyone has had a good weekend.

Thankyou kitten! I know I need to get myself out of this as I know if I don't stop now the debt will just keep increasing k by k! Think my aim is £40 per month eBay sales to top me up but I will see how it goes. I just hate the long post office trip to post everything and the look you get from people when you poll up with 10 parcels!

Sorry to remind you we are 30 in 2020 haha! I'm hoping my 30s will be the time when I don't have to worry about money but that's about all I'm looking forward to.

I'm thinking of changing the amount I put in my daughter's savings from £25 to £5 as that would free up an extra £240 a year to pay off the debts? I feel terrible doing it but it's a fixed isa until she is 18 and she's 3 so I know I'll be able to make up the difference once I am debt free! My mum also puts £10 a month in there so it'll still be getting £15 a month.

Entered quite a few competitions on mumsnet and cosmopolitan while I was laying in bed this morning and have taken some more pics of clothes my daughter had grown out of for ebay so productive morning so far.

Quick update, yesterday and today ware NSDs although on Monday spent £18 in B&M Bargains but that included all the wrapping paper for my daughter's birthday tomorrow, some bin liners and the last of the Christmas presents for my niece. Also spent £8 cash I had in my purse in tesco on Tuesday for balloons (including an LED unicorn balloon) and a banner to decorate the room for when she gets up. Nursery were having a stripes and spots day today for children in need so had to donate £1 for that.

DFW things I've done this week:

- Joined and completed all surveys available on onepoll
- Signed up to toluna and done surveys daily
- Joined swagbucks
- Posted more items on Ebay
- Submitted my essay for uni

So tonight after work I need to tidy and clean the house, get my daughter to bed, wrap all her presents, blow up the balloons and decorate, exercise as I've only exercised once this week and somewhere in between all that cook, eat and shower?!?

Taking my daughter out tomorrow for her birthday so tomorrow will not be a NSD but hope to spend no more than £30 - this has come out of some money I had stashed. Unless her dad pays then I'll be happy :rotfl:

9 days until payday and have around £45 spare money to live on until then to include food and petrol - should be doable as should only need a little petrol and fresh bits for the fridge - any money leftover will go towards CC 3.