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  • FIRST POST
    • jemreading
    • By jemreading 1st Jul 17, 7:32 PM
    • 337Posts
    • 374Thanks
    jemreading
    Nearly debt free diary
    • #1
    • 1st Jul 17, 7:32 PM
    Nearly debt free diary 1st Jul 17 at 7:32 PM
    Hello,

    I've been lurking and subscribing to a few threads over the past few months and finally plucked up the courage to start a diary!

    As the title says ' nearly' debt free diary.. My current debt situation is below:
    -350 CC with 18.9% (interest free ended on 25th June 2017)
    - 375 Argos Card (interest free until 25th August 2017)

    It doesn't seem like much but I've shifted approximately 9,500 of debt between October 2015 - June 2017 and I'm struggling with the final bit! I have also tried to get another interest free card to shift my CC balance over but have been rejected.

    I thought a diary might be a good thing as I find myself falling back into bad habits (looking at holidays and clothes I can't afford) and also using a lot of spare change throughout the week to buy small (but adds up) snacks!

    I'm also getting married in October 2019 and plan to start saving for that come August 2017 (me and my OH have a savings plan, but it'll be sticking to it we find challenging!)

    Jem
Page 17
    • jemreading
    • By jemreading 10th Jan 18, 5:47 PM
    • 337 Posts
    • 374 Thanks
    jemreading
    Hi db, thanks for the info, I will take a look at it. I have been recommended to use MFP before but never looked into it
    • Florence J
    • By Florence J 11th Jan 18, 5:26 PM
    • 1,893 Posts
    • 11,183 Thanks
    Florence J
    I love My Fitness Pal, when I use it I lose weight. When I don't, I don't (or I put it back on!)

    What I love about My Fitness Pal is in my case I have the tendency to over eat. When I put in what I've eaten in a day and see the calories go over my limit, well then I know why, there's no way I can be mystified as to why I've gained weight or stayed the same.

    I measure all my food and put the exact grams in and then I can really see what portion sizes I am eating and how many calories are in the foods I eat.

    It's a good little app, not 100% accurate but it does have a lot going for it.

    I hope you are well.
    Sealed Pot Challenge 11 #553
    1000 Emergency Fund Challenge #253
    Wombling free 2017 = 2195.92
    Pay off all your debts by Xmas 2017 #53 (3168.45/3000)
    February 2018 Credit Card Debt: 3885
    • jemreading
    • By jemreading 11th Jan 18, 8:16 PM
    • 337 Posts
    • 374 Thanks
    jemreading
    Hey Florence thanks for dropping in, always appreciated. Hope you are well

    I!!!8217;ve started to use it. I was recommended to use it by my gym instructor as I lost a bit of weight (only 3lb in 5 months, went from 56KG to 53KG) but my target was to gain as I!!!8217;m meant to be putting on weight as muscle as my lean muscle is a little poor so I need to actually try and eat more but I find it challenging!! Sometimes it!!!8217;s an I eat because I know I have to and not because I want too.

    Also, I find !!!8216;healthy!!!8217; eating really expensive!! The government want people to get fit and healthy and lead active lifestyles, however, it can cost more for a water than for a can of pop!!
    • jemreading
    • By jemreading 11th Jan 18, 8:21 PM
    • 337 Posts
    • 374 Thanks
    jemreading
    In MSE news... me and my OH are going to Italy for 6 days in February. He found it through a website, so we get 6 nights, flights, hotel and tours for 319 per person.. better news my OH paid for it as he has got a new job and gets a 5K payrise!

    We are having an emergency finance meeting tomorrow night I know that is strange thing to say but we are both goal orientated people so I want to set goals moving forward.

    All I need to do is pay for my spending money, so I will make minimum payment to my credit card next month. I!!!8217;ve never done that before, I always try and pay off as much as possible but I don!!!8217;t want to add to my credit card at all so I!!!8217;m being as sensible as I can given the situation.
    • jemreading
    • By jemreading 12th Jan 18, 1:41 PM
    • 337 Posts
    • 374 Thanks
    jemreading
    Boots still has a lot of 1/2 price offers on gift sets and so all. I!!!8217;m tempted to pick them up for future gifts. I!!!8217;m also gifting my friends beauty stuff as gifts, so it make sense. I will leave it a few days and have a think further!!
    • jemreading
    • By jemreading 13th Jan 18, 12:03 AM
    • 337 Posts
    • 374 Thanks
    jemreading
    I!!!8217;m now finished work for the week, I!!!8217;m so glad to have the time off Looking forward to heading away. First time away from the OH for 3 nights, so may be a shock to the system..

    I!!!8217;ve sorted all the stuff out for my holiday.

    I used the Next voucher I got at Christmas to get a swimsuit for all upcoming holidays and to use at my gym. I forgot that while I have enough clothes, underwear, gym gear and so on I forgot about swimming stuff!!
    • jemreading
    • By jemreading 13th Jan 18, 11:32 AM
    • 337 Posts
    • 374 Thanks
    jemreading
    Working out my budgets for the next three months and my debt free day is looking to be April 27th I'm happy with that seeing as I had an un-budgeted holiday to factor into the cost and need spending money for that, so my payment to my CC is going to be smaller than I'm use to paying but still over my minimum payment required.

    I need to pop over to Aldi to pick up the remaining bits my OH forgot to buy for himself for next week. He did his own shop then realised he forgot salad, milk and juice. Lucky for us Aldi is a 2 minute walk away.

    Still no surveys on PA, so my account is at 1.17.. I check about 3/4 times a day but seems to be slow.
    • jemreading
    • By jemreading 13th Jan 18, 3:54 PM
    • 337 Posts
    • 374 Thanks
    jemreading
    Used a bit of shopping money to get the bits from Aldi. We have 40 left for next weeks shopping, which is more than doable.

    Managed to do a survey, do the washing up and put some clothes washing on. The rest of the day includes: watching the football, making dinner and finishing my packing for holiday. Trying not to take too much seeing as it!!!8217;s only 3 days.
    • jemreading
    • By jemreading 16th Jan 18, 5:36 PM
    • 337 Posts
    • 374 Thanks
    jemreading
    In another country where it!!!8217;s currently -2 degrees. I don!!!8217;t think my body has managed with the drop in temperature!

    Got this evening and tomorrow left then travel home tomorrow evening.

    Plans when I get home include doing more surveys and looking at places to visit on the Italy trip in February.

    I have a friends birthday party at the weekend and have 20 set aside for that. It should cover a few drinks and a taxi back!

    8 days until payday, which sounds magical. Just looked at my bank account and it looks a little sad! I need to check my credit card as hotel cost went on yesterday but I have money from my friend to pay it off
    • jemreading
    • By jemreading 17th Jan 18, 9:13 AM
    • 337 Posts
    • 374 Thanks
    jemreading
    Final day of holiday before travelling this evening, I always look forward to getting home.

    Not much to report of the money saving front (kind of hard to do in a different country with a different currency) I have 34 left in Hungarian Forint which will get me through the day no doubt, just need to buy breakfast, a magnet and some dinner!
    • jemreading
    • By jemreading 18th Jan 18, 12:55 PM
    • 337 Posts
    • 374 Thanks
    jemreading
    1 week until payday. The only thing I have to pay for is my friends birthday on Saturday.

    I checked my 1 coins and so far I have 35 saved - all of which I have decided will stay in my pot until end of October and be used to buy Christmas presents.

    The hotel charge went onto my credit card (5 less than expected) so I just need to check my online account and pay that off.

    Part of my OH computer broke before I went away, it was 134 for new parts so that went onto the CC and OH will pay me that straight back when we get paid.
    • jemreading
    • By jemreading 19th Jan 18, 11:43 AM
    • 337 Posts
    • 374 Thanks
    jemreading
    We have an up and running computer again, it was hard having to use my mobile device for this website and we also use the computer to help work from home and I use it to complete my surveys and my OH for his gaming and we use it for TV as we don't own one.

    I'm currently at 3.13 on PA. Decided survey money will go into my savings account. I also set up a NWest instant saver account for the wedding fund. My parents will transfer 100 start at Feb payday.

    Me and my OH have decided that we will have separate funds. I will put my savings into the wedding fund and him into the house fund (it will be 500 into the wedding and 1,000 into the house as my OH earns more than me)

    Once we hit Jan 2019 we should have enough in the Wedding fund that we won't need to add more to it and then all other money can go into the house fund.
    • jemreading
    • By jemreading 21st Jan 18, 8:41 PM
    • 337 Posts
    • 374 Thanks
    jemreading
    Nothing much to update, spent the day being lazy as have been trying to get over the alcohol from last night!

    Going to keep ticking over until pay day.
    • jemreading
    • By jemreading 22nd Jan 18, 6:56 PM
    • 337 Posts
    • 374 Thanks
    jemreading
    I made 2.44 doing 2 surveys on PA this afternoon. Just waiting for this to come through and will have 5.54 in my account, I will just keep going until the end of Jan and then transfer the money over.

    3 more days until payday. I've checked with work and the money I'm owed back from buying additional annual leave is 386. I'm assuming it'll get hit by tax and so on. Whatever is the 'extra' over my normal monthly wage I will send straight to my credit card as I'm making a smaller payment this month in order to have the spending money for the surprise holiday trip.

    I've also managed to put 4 into my jar with money left over from my night out so have 40 in there which is growing nicely for the big December event.. (is it too early to use the 'C' word round here?)

    I will need to re-do my spreadsheet but at the moment don't have access to Excel as we lost that when my OH had to fix the computer.
    • jemreading
    • By jemreading 23rd Jan 18, 1:30 PM
    • 337 Posts
    • 374 Thanks
    jemreading
    I have done my finances on excel at work so I have a back up copy. I have done it up to three months in advance. Still on for the end of April as a debt free date but hoping I can push it to the end March instead!

    NSD so far but will need to pop and get my friend a gift (should be reimbursed as it!!!8217;s a group gift!)

    I have a grand total of 11 on my debt card, 11.96 in savings and 40 in my 1 coin Christmas jar, the only thing I need to buy is the gift.
    • jemreading
    • By jemreading 24th Jan 18, 2:58 PM
    • 337 Posts
    • 374 Thanks
    jemreading
    Still need to buy the gift. I want to do that with what is left in my account before a new chunk of money goes in tomorrow, whatever is left tonight after buying the gift will go into my savings account.

    I am looking ahead to February and don!!!8217;t have much planned. I have:

    1. Evening out on Friday 26th - budget for this is 10
    2. Friends birthday on Saturday 27th - budget is 20 as it!!!8217;s a meal out.
    3. Valentine!!!8217;s Day - 14th Feb - no plans so far
    4. Italy - 19th Feb until 25th Feb. We need to pay for airport car parking and potentially a hotel within the area of hotel as it!!!8217;s a 3 hour journey. It will be a half and half split, so I am looking at 50 for my share.
    • jemreading
    • By jemreading 25th Jan 18, 3:57 PM
    • 337 Posts
    • 374 Thanks
    jemreading
    Woooo, pay day! Just about survived. My goal one day is to live month to month and not pay day to pay day!!

    Have started to move money around and have figured out the money I need to take out of my account and where that needs to be allocated to. I did a spreadsheet at work so at least I can follow that on excel.

    Completed a few surveys on PA. got 8.27 for 1.67 pending. I had a 5 on offer but I couldn!!!8217;t complete it as I was at work and did not have access to sound, which is a little annoying but never mind.

    I will plan to pay off a bit to the credit card in the next few days.
    • jemreading
    • By jemreading 27th Jan 18, 10:07 AM
    • 337 Posts
    • 374 Thanks
    jemreading
    Yesterday was a little spendy but all came out of the necessary pots.

    My friend owes me 7 for a gift and desserts and I!!!8217;m owed back 13 from friends as I paid for a joint birthday gift.

    Planned spend today will be shopping. We have 50 for this but hoping it!!!8217;ll be cheaper.

    I also have a friends birthday meal. I have 20 for this which will cover food, drink and a taxi home.
    • jemreading
    • By jemreading 27th Jan 18, 2:05 PM
    • 337 Posts
    • 374 Thanks
    jemreading
    We spent 50.80p at shopping today. Will last for the week and includes all lunches and dinners for the week so won!!!8217;t need to spend money during the week!

    Last of the spending to be done this evening then I should be able to have NSD for the next week.
    • jemreading
    • By jemreading 27th Jan 18, 3:18 PM
    • 337 Posts
    • 374 Thanks
    jemreading
    We paid for the airport parking and hotel. My share was 55, but I went through topcashback for both so I will get 11.67 back, not too bad seeing as we had to pay for both anyway.
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