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  • FIRST POST
    • cally6008
    • By cally6008 14th Nov 10, 11:22 AM
    • 7,514Posts
    • 11,387Thanks
    cally6008
    Get organised for 2011
    • #1
    • 14th Nov 10, 11:22 AM
    Get organised for 2011 14th Nov 10 at 11:22 AM
    Buy a A4 sized, week to view diary from Poundland and some colourful post-it notes (or use different coloured highlighter pens).

    I got mine yesterday and now have all bills for next year listed in it, notes to remind when things need renewing or new bills due in (council tax, tv license etc etc). Back pages used to list all bills in one list as well as mine and OH seperate bills. Notes page has Mid-Nov till end Nov on it and December on one as well so I guess I starting from today .

    I've decided to only use Barclays account for household bills and any wages left over are getting taken out n put in seperate account.

    If we dont have the money to spend, then it's tough (pep talk to oneself there ).

    We've got just enough coming in so no need to be in this mess and on the Barclays Reserve Roundabout scenario .

    I .. WILL .. gain control in 2011

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    Last edited by cally6008; 29-12-2010 at 10:59 AM.

Page 1
    • BEAT THE DEBT
    • By BEAT THE DEBT 14th Nov 10, 11:25 AM
    • 2,136 Posts
    • 5,123 Thanks
    BEAT THE DEBT
    • #2
    • 14th Nov 10, 11:25 AM
    • #2
    • 14th Nov 10, 11:25 AM
    I can feel your determination well done.xx
    Started comping 2nd May 16. Wins so far... May was
    cat wormer ^.^ Rose hamper from m&s. Heal cream. June cool bag. July febreeze win for review Minky 100 ironing bundle. August. Handmade throw fbk.
    Sept,a canvas print and cushion fb. A window cleaner tool fb. Oct: A diamond ring keyring. Nov. Foot care bundle, sonic toothbrush.
    • Buffythedebtslayer
    • By Buffythedebtslayer 14th Nov 10, 11:48 AM
    • 15,337 Posts
    • 51,364 Thanks
    Buffythedebtslayer
    • #3
    • 14th Nov 10, 11:48 AM
    • #3
    • 14th Nov 10, 11:48 AM
    I like that idea!

    I love that new year feeling!

    *goes off to poundland*
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • cally6008
    • By cally6008 14th Nov 10, 9:05 PM
    • 7,514 Posts
    • 11,387 Thanks
    cally6008
    • #4
    • 14th Nov 10, 9:05 PM
    • #4
    • 14th Nov 10, 9:05 PM
    Just upping this for the evening folk

  • shazzer73
    • #5
    • 14th Nov 10, 9:13 PM
    • #5
    • 14th Nov 10, 9:13 PM
    thats a great idea!! i think i may be in poundland very soon!!!
    Shaz
    x
    Weekly Spend w/c 26/02/12 0/120
    NSD, Mar 12 = 0/18
    • rubywhatashmoo
    • By rubywhatashmoo 14th Nov 10, 9:38 PM
    • 570 Posts
    • 3,394 Thanks
    rubywhatashmoo
    • #6
    • 14th Nov 10, 9:38 PM
    • #6
    • 14th Nov 10, 9:38 PM
    I actually have a big stash of highlighters and post-its for uni stuff so getting as diary and doing this would be easy
    DFBXMAS2018! #069:3750.00/12,700.00 29.5%
  • cakelover
    • #7
    • 14th Nov 10, 10:23 PM
    • #7
    • 14th Nov 10, 10:23 PM
    This is a great idea. I have a spreadsheet that I started this year which I created whilst I had nothing to do at work and it lists all my outgoings and income and therefore what I have left every month. I have been writing everything down in one way or another for a few years and crossing bills off as they leave my bank, otherwise I would end up spending the money and being left short. However, my credit card bill has crept up again and I have again spent more than I intended! My spreadsheet is already done for next year and I am too taking the approach of if I don't have it, I can't spend it! I think though it would be a good idea for me to get a little notebook to carry around so I always have it there if I need it to check up on my money situation. I will write it all out in pencil so if any bills go up or down I can always change it easily. I need to wait for my credit card bill to come through but I think I will have between 2.5k and 3k, which I want paid off by the time my bank loan does in April 2012, hopefully the notebook can keep me on track!
    • dfw123
    • By dfw123 14th Nov 10, 10:25 PM
    • 55 Posts
    • 91 Thanks
    dfw123
    • #8
    • 14th Nov 10, 10:25 PM
    • #8
    • 14th Nov 10, 10:25 PM
    Great idea!!!

    I use google calendars, which i sync with my phone, so i can access it anywhere. i am going to put reminders on when i can renew car/home insurance - so i can shop around and also when i can cancel mobile phone contract & boiler insurance! i'll also put reminders of DD's. I can't wait for the 2 council-tax-free-months! i will be using the extra cash to pay for my car tax which will be due, and the leftover amount will go on debt
  • dudley3012
    • #9
    • 15th Nov 10, 8:42 AM
    • #9
    • 15th Nov 10, 8:42 AM
    off to poundland I go, also for hte stock of cheap toiletries and wrapping paper. Two birds for one parking charge. That is serious debt busting!!!!
    • Pernicious
    • By Pernicious 15th Nov 10, 9:05 AM
    • 1,786 Posts
    • 8,895 Thanks
    Pernicious
    Very good plan, let's hope we stick to it eh!
    Debt at July 2012: 12,862.57
    Current Debt: 0
    100% paid off!
    Savings Goal for November 2016: 5000
    Current Savings: 1176.24
    23.52% Saved!
  • Poorbuthappy55
    I too need to get organised!!! I have a spreadsheet but I like to write things down so am off to get diary/post its!!

    The problem is keeping it up throughout the year!!
    Snowball DF Nov 2017
    Jan 2011 MBNA 2634.66 Feb 2608.37 Mar 2561.86
  • Broken hearted
    It works
    Barclaycard 3800

    Nothing to do but hibernate till spring






    • cally6008
    • By cally6008 15th Nov 10, 10:29 AM
    • 7,514 Posts
    • 11,387 Thanks
    cally6008
    I don't have the two free months for council tax as moved from 10 month to 12 month to lower payments.
    British Gas renewal date now sorted out and noted down.
    HSBC account now able to accessed through internet banking.

    OH mum sending xmas money early. I'm trying to work out the best way of asking my parents to send Tesco vouchers early for xmas without it sounding like I'm asking for money (been accused of only talking to them when I want money).

  • bluejeans53
    Hiya Cally 6008, well done, you sound well organized. New year is a fab time for us to clear our heads and go for it

    Yes WE CAN ALL DO THIS

    Do I need this or just want it.
    If you always do what you always do...You will get what you always get.
    Debt Free since 16/12/10
    Starting Weight 14-7 Current 13-7-0 total -14lb
    • cally6008
    • By cally6008 15th Nov 10, 12:36 PM
    • 7,514 Posts
    • 11,387 Thanks
    cally6008
    I'm in the Barclays Reserve trap and am determined to not get further into it. I've got 88 of fees to pay on 2nd Dec, bad timing or what ?! I've succeeded before and I will succeed again.

    Barclays won't up my overdraft so that option is out. Credit rating going downhill so not worth applying for credit cards or owt.

    The question - I can't fathom out if it would be worth me now opting out of the Reserve. I can't see how much the charges would be if I went over my organised overdraft.

    Overdraft 500, Reserve 500.

    (reposting here to get advice instead of down in budget + bank section)

    • dfw123
    • By dfw123 15th Nov 10, 7:35 PM
    • 55 Posts
    • 91 Thanks
    dfw123
    I'm going to buy a little handbag diary, they're about 59p from Poundstretcher/In Store, i like to write things so this will be better than google calendar i use! and will fit in my bag wherever i go!

    Hope i can stick to it!

    Good luck for 2011!
  • Watalie
    Brilliant Idea - I'm going to try that too
    • Little bit dizzy
    • By Little bit dizzy 15th Nov 10, 10:07 PM
    • 628 Posts
    • 6,591 Thanks
    Little bit dizzy
    Great idea - I've dabbled with clearing my debt for years but never really been motivated enough to do it seriously. I think an 'outgoings / debt diary' would help me (I have a spreadsheet version but waver from the planned repayments too often). Off to Poundland later in the week!
    I myself am made entirely of flaws, stitched together with good intentions...
  • janie-h
    Excellent idea! Think I'll give it a go - and maybe a spreadsheet too. That is... if I can stop reading forum posts for long enough to put anything on it! LOL
    I've become obsessed with all the tips and advice
    • cally6008
    • By cally6008 16th Nov 10, 8:59 AM
    • 7,514 Posts
    • 11,387 Thanks
    cally6008
    Brilliant my parents have agreed to send Tesco vouchers early. That's a big help.

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