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  • FIRST POST
    • indigowarrior
    • By indigowarrior 13th Feb 18, 10:43 PM
    • 515Posts
    • 3,724Thanks
    indigowarrior
    indigowarrior baby steps.
    • #1
    • 13th Feb 18, 10:43 PM
    indigowarrior baby steps. 13th Feb 18 at 10:43 PM
    I have attempted these dairies in the past and haven't done well. Usually my enthusiasm wares thin quickly.

    My current situation at the moment is that I am disabled and live in my godfathers spare room. My living costs are low but I am running against the clock and will have to find somewhere new to live in the next year.

    The issue with that is that I am not in work and not able to consider working at the moment due to ill health. I have kept a close eye on rents in the area (Somerset) and I am priced out. Majority of landlords are not willing to consider DSS tenants.

    I know that I am going to have to move out the area. I also dont have anyone willing to be a guarantee (Godfather owns his own house but isnt in paid employment and his only income is my rent)

    Also added to the situation is that I am under the age of 35 and will only get shared room rate Housing element. I also owe 17k in debt.

    So my plan is to save up a deposit for a place to rent in area far from where I live. Whilst I am doing that try to pay off some of debt.
    #545- SPC/ Frugal Living Challenge May NSD 3/19 Emergency Fund 1/1000
Page 3
    • debtfreeby2020
    • By debtfreeby2020 27th Feb 18, 5:40 PM
    • 88 Posts
    • 172 Thanks
    debtfreeby2020
    I'm also applying for PIP. I have epilepsy and require supervision when cooking and bathing, and to manage my medication. I have been advised to do so by an epilepsy charity, as I apparently meet the criteria. I am not too sure. I bet the assessors take one look at me and think I am at it. I wish I was...
    Emergency Fund: 300.01/1000 (30%) March NST: 2/18 NSDs
    Tesco Loan: 3,877/5000 Barclaycard: 3149.99/3169.79
    • indigowarrior
    • By indigowarrior 1st Mar 18, 6:42 PM
    • 515 Posts
    • 3,724 Thanks
    indigowarrior
    Good Luck debtfree .
    Returned from the visit to my grandfathers very skint lol.
    Started today by stocking up on basics due to the awful weather. Looking outside of the window its pretty white out there. So will more than likely have a few NSDS.

    So have put the debt repayments on hold as have made the decision to move closer to family at the end of June. I am aiming to save 3K by then. I am also aiming to earn 400 in surveys. Aim big or go home I always say lol

    Goals for March:
    Put 750 in savings using all sources of money 3.53/750
    Earn 100 from Qmee and Swagbucks:
    Qmee: 3.57/ 50
    Swagbucks 341 SB/ 8000SB
    Aim for 15 NSDS
    Try not to let this month break me.
    Last edited by indigowarrior; 01-03-2018 at 8:46 PM.
    #545- SPC/ Frugal Living Challenge May NSD 3/19 Emergency Fund 1/1000
    • indigowarrior
    • By indigowarrior 1st Mar 18, 11:09 PM
    • 515 Posts
    • 3,724 Thanks
    indigowarrior
    Totals for today:
    Savings 3.53
    Qmee: 3.57
    Swagbucks 415
    0/15 NSDs
    #545- SPC/ Frugal Living Challenge May NSD 3/19 Emergency Fund 1/1000
    • indigowarrior
    • By indigowarrior 2nd Mar 18, 8:21 PM
    • 515 Posts
    • 3,724 Thanks
    indigowarrior
    Today I stayed in. Not risking my chest with the weather outside.
    Savings 3.53
    Qmee: 6.20
    Swagbucks: 626sb
    1/15 NSDS
    I also earned 2 cashing in curious cat bonus!
    Last edited by indigowarrior; 02-03-2018 at 8:58 PM.
    #545- SPC/ Frugal Living Challenge May NSD 3/19 Emergency Fund 1/1000
    • debtfreeby2020
    • By debtfreeby2020 3rd Mar 18, 8:24 AM
    • 88 Posts
    • 172 Thanks
    debtfreeby2020
    Hi lovely!

    How's your grandfather doing? Must be a tough time for your family. I am glad you managed to get home in all this snow.

    When you say putting debt repayments on hold, what do you mean by that? Not paying at all or just making the minimums?

    Moving closer to your family seems to be very important to you. I totally understand that. Good luck with your savings targets. Your other goals for March are great!
    Emergency Fund: 300.01/1000 (30%) March NST: 2/18 NSDs
    Tesco Loan: 3,877/5000 Barclaycard: 3149.99/3169.79
    • indigowarrior
    • By indigowarrior 3rd Mar 18, 10:37 AM
    • 515 Posts
    • 3,724 Thanks
    indigowarrior
    Debt free I am making the bare minimum 1 per debt! Dave Ramsey recommends that at baby step 0 you dont make any payments I think. To be fair my friend who I live with now only wanted me to stay here until end of March. Hes been very generous letting me stay. I feel I am taking advantage if you know what I mean?

    Granddad is doing okay. When I saw him the nurse said he was making tiny improvements.
    #545- SPC/ Frugal Living Challenge May NSD 3/19 Emergency Fund 1/1000
    • indigowarrior
    • By indigowarrior 3rd Mar 18, 10:35 PM
    • 515 Posts
    • 3,724 Thanks
    indigowarrior
    Savings 2.73
    Qmee 0.40 (Not a great day)
    Swagbucks 10 SB (cashed out 5 paypal)
    Curious Cat 1.39
    2/15 NSDs
    #545- SPC/ Frugal Living Challenge May NSD 3/19 Emergency Fund 1/1000
    • indigowarrior
    • By indigowarrior 5th Mar 18, 6:21 PM
    • 515 Posts
    • 3,724 Thanks
    indigowarrior
    Forgot to update yesterday
    Qmee 3.87 (much better today)
    Swagbucks 352
    Curious cat 0.69
    3/15 Nsds

    Today was a spend day. Bought sugar, pizza, yellow sticker bread rolls, 2 chocolate bars and jelly beans
    #545- SPC/ Frugal Living Challenge May NSD 3/19 Emergency Fund 1/1000
    • debtfreeby2020
    • By debtfreeby2020 5th Mar 18, 7:02 PM
    • 88 Posts
    • 172 Thanks
    debtfreeby2020
    If the food items are part of your budget, it counts as a NSD hun (I think).
    Emergency Fund: 300.01/1000 (30%) March NST: 2/18 NSDs
    Tesco Loan: 3,877/5000 Barclaycard: 3149.99/3169.79
    • indigowarrior
    • By indigowarrior 5th Mar 18, 8:26 PM
    • 515 Posts
    • 3,724 Thanks
    indigowarrior
    If the food items are part of your budget, it counts as a NSD hun (I think).
    Originally posted by debtfreeby2020
    It seems to depend on different groups. On my facebook group I wouldnt consider it a spend as I used Survey money but on the MSE groups I am on its considered a spend!
    #545- SPC/ Frugal Living Challenge May NSD 3/19 Emergency Fund 1/1000
    • indigowarrior
    • By indigowarrior 6th Mar 18, 7:36 PM
    • 515 Posts
    • 3,724 Thanks
    indigowarrior
    Today has been a lazy day. Tomorrow I will be going food shopping.
    Todays earnings
    Swagbucks 425! (I completed the swagoboard and all other things) which brings my swagbucks balance up to 450. I did have to cash out 450 of my swagbucks to complete swago but it was worth it.
    Qmee: 4.19
    Curious Cat 3.23
    So another good day.
    Last edited by indigowarrior; 06-03-2018 at 11:25 PM.
    #545- SPC/ Frugal Living Challenge May NSD 3/19 Emergency Fund 1/1000
    • debtfreeby2020
    • By debtfreeby2020 6th Mar 18, 8:54 PM
    • 88 Posts
    • 172 Thanks
    debtfreeby2020
    Well done.
    Emergency Fund: 300.01/1000 (30%) March NST: 2/18 NSDs
    Tesco Loan: 3,877/5000 Barclaycard: 3149.99/3169.79
    • indigowarrior
    • By indigowarrior 7th Mar 18, 12:25 AM
    • 515 Posts
    • 3,724 Thanks
    indigowarrior
    Payment day!
    40 to water
    40 to my friend
    91.20 perfect home
    27.63 UW
    Food: 58
    Electric 12
    Transport 10
    166 savings
    #545- SPC/ Frugal Living Challenge May NSD 3/19 Emergency Fund 1/1000
    • indigowarrior
    • By indigowarrior 7th Mar 18, 10:18 PM
    • 515 Posts
    • 3,724 Thanks
    indigowarrior
    Earnings
    5 from swagbucks (now down to 23 swagbucks) and they also paid out the other 5
    Qmee 2.35
    curious cat 2.43

    Savings now up to 172.89

    Tomorrow 65 on quidco should come available. Most of that is going in savings if it clears. Did have a takeaway. Feel guilty. Interestingly I did the same order on just eat near my mums address and it was 7 cheaper for the exact same thing.
    #545- SPC/ Frugal Living Challenge May NSD 3/19 Emergency Fund 1/1000
    • indigowarrior
    • By indigowarrior 9th Mar 18, 7:13 AM
    • 515 Posts
    • 3,724 Thanks
    indigowarrior
    Yesterday was a no spend day.
    Had a really bad day on surveys until they night time.
    #545- SPC/ Frugal Living Challenge May NSD 3/19 Emergency Fund 1/1000
    • indigowarrior
    • By indigowarrior 12th Mar 18, 11:31 AM
    • 515 Posts
    • 3,724 Thanks
    indigowarrior
    Got an update on my DLA/PIP claim. I have been awarded Enhance Daily Living and Standard Mobility. Very happy and relieved.
    #545- SPC/ Frugal Living Challenge May NSD 3/19 Emergency Fund 1/1000
    • jwil
    • By jwil 13th Mar 18, 1:38 PM
    • 8,525 Posts
    • 26,088 Thanks
    jwil
    Great news
    "If you can dream it, you can do it". Walt Disney
    • indigowarrior
    • By indigowarrior 31st Mar 18, 12:55 PM
    • 515 Posts
    • 3,724 Thanks
    indigowarrior
    Hi Diary sorry I haven't updated in a while.
    March update
    13 NSDS
    53.89 earned on Qmee
    50 on swagbucks
    21.90 on curious cat.
    Total earnings: 127.59

    My friend has asked me to move out and I am looking at homelessness by the 21st of April. . I dont hold it against him as he only wanted me here a month and I have been here for three. So money is going to be tight as I am struggling to find somewhere to live and so I am preparing for temporary housing. So my goals are going to tight.

    Aprils Goals
    18 NSDs
    Earn 100 on surveys
    1 a day food challenge.
    Cut down on coca cola
    walk 2 times a week.
    #545- SPC/ Frugal Living Challenge May NSD 3/19 Emergency Fund 1/1000
    • Toni'sfriend
    • By Toni'sfriend 31st Mar 18, 3:35 PM
    • 1,246 Posts
    • 12,133 Thanks
    Toni'sfriend
    I do hope you find somewhere soon. Can the local authority not help?
    • indigowarrior
    • By indigowarrior 1st Apr 18, 10:44 AM
    • 515 Posts
    • 3,724 Thanks
    indigowarrior
    They wont help until I am fully homeless. So when my notice is up. I plan to go to the council the day before as it will be a friday and my notice is up on the 21st which is a Saturday.
    #545- SPC/ Frugal Living Challenge May NSD 3/19 Emergency Fund 1/1000
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