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  • FIRST POST
    • charhen19
    • By charhen19 1st Nov 18, 1:19 PM
    • 58Posts
    • 62Thanks
    charhen19
    21 days of pain!!
    • #1
    • 1st Nov 18, 1:19 PM
    21 days of pain!! 1st Nov 18 at 1:19 PM
    Hiya - I've been a long term lurker on here and always found the website helpful and the forums inspirational.

    I'm currently paying off a DMP and although my situation isn't dire at the moment I could certainly try harder. I feel I need a challenge to focus me and reset my MSE ways back to super charged!

    So - OH and I have agreed that as it's 21 days until next payday we will use that time trying really hard, focusing on using up bits in the cupboards, packed lunches every day, spending as little as possible and hopefully using any spare time wisely, jobs indoors and ebaying etc. It's only 21 days - surely we can make a difference in that time right?!

    Here's how it is:

    Most of my monthly bills have already come out of my account and I'm left with £336.00

    £52.36 & £12.50 bills still to come out leaving £271.14

    Divided by 21 = £12.91 per day. The aim is to withdraw £10 per day leaving me with an emergency fund in my account of £61.14 on Nov 22nd which can be paid as extra towards a debt along with any ebay money I've made.

    So out of my £10 a day I'll have to account for:
    *2 x birthday cards
    *£5 to go in a child's birthday card
    *Petrol (will deffo need around an extra £20 during the 21 days)
    *Food (whilst trying to use up all random & store cupboard bits I will need some meat, veg and milk throughout the 21 days)
    *I'm doing the "penny a day" challenge - I'm a few days ahead of myself and only 6 days out of the 21 aren't paid but I'd like to at least pay those 6 during the challenge to keep on track (around £20 but will do it in dribs and drabs)

    I know there are people a lot worse off than this situation I just thought it would be good to set myself a personal challenge - I'm not expecting anyone to follow this, just needed to get it down in writing for myself
    Last edited by charhen19; 05-11-2018 at 9:40 AM.

    £30,000 £10,816.94DMP consisting of...
    £857.00 Barclays O/D - £2,039.29 Barclaycard
    £3,875.24 Abbey card
    - £4,045.41 M&S Money
    Original DFD Sept 2022


Page 2
    • charhen19
    • By charhen19 7th Nov 18, 8:45 AM
    • 58 Posts
    • 62 Thanks
    charhen19
    Lidl only had 2 x 2litres of lemonade left on the shelf last night so I grabbed them and some cornflakes (checked they were cheaper then in Sains) and my bill came to £1.06!! I put the odd 94pence towards my penny a day challenge and was left with £18 until midnight.

    £30,000 £10,816.94DMP consisting of...
    £857.00 Barclays O/D - £2,039.29 Barclaycard
    £3,875.24 Abbey card
    - £4,045.41 M&S Money
    Original DFD Sept 2022


    • charhen19
    • By charhen19 7th Nov 18, 8:50 AM
    • 58 Posts
    • 62 Thanks
    charhen19
    Day 7/21

    I'll draw out £30 at lunchtime which will be today, tomorrow's and Friday's £10 giving me £48 to last until midnight Friday night.

    I do need a few bits at the shops tonight:
    £10 petrol top up (knew this was coming)
    Milk
    Deodorant
    Potatoes

    Will try to stick to my list as closely as possible - unless I see any good YS items!

    Today's menu:
    Breakfast - crumpet from the freezer
    Lunch - soup and a bread roll from the freezer
    Dinner - Breaded fish, potatoes and veg/baked beans

    £30,000 £10,816.94DMP consisting of...
    £857.00 Barclays O/D - £2,039.29 Barclaycard
    £3,875.24 Abbey card
    - £4,045.41 M&S Money
    Original DFD Sept 2022


    • charhen19
    • By charhen19 7th Nov 18, 10:24 AM
    • 58 Posts
    • 62 Thanks
    charhen19
    I've had a bid on one of my ebay items! It doesn't finish until Sunday - none of the items are high value but I figure every little helps right? £5/£10 here and there for things which are no longer required helps towards the debt and also decluttering the house - win/win!!

    I've also been hit with an earlier-than-expected bill. We needed an outside repair doing on the house and the chap said he'd fit it in in December. Turns out he had a spare hour or so yesterday and, as he didn't need access, came round and did it whilst we were at work. Now he has said that because it was his change of schedule not ours, he can wait until December for the money but I wouldn't feel right doing that. Plus it needs to be paid sometime so might as well get it done.

    It's £165
    Less £130 from our joint account, set aside for these kind of things
    = £35
    Divided by 2 = £17.50 each to find and I'd like to pay him at the weekend. Will assess funds after the shops this evening, I've been doing quite well so I'm confident I'll have it by then - just need to keep on being good!

    £30,000 £10,816.94DMP consisting of...
    £857.00 Barclays O/D - £2,039.29 Barclaycard
    £3,875.24 Abbey card
    - £4,045.41 M&S Money
    Original DFD Sept 2022


    • charhen19
    • By charhen19 8th Nov 18, 9:17 AM
    • 58 Posts
    • 62 Thanks
    charhen19
    Yesterday started with £48.00 to last until midnight Friday night.

    Spent £4.30 at lunchtime in the coop - YS fish and crumpets for the freezer.

    Spent £10.03 on petrol.

    Spent £13.53 in Sains on my list plus also a large supply of YS sausages to go in the freezer.

    Leaving me with £20.14. Will put the 14pence towards my penny a day challenge and £5 towards the earlier-than-expected bill.

    Leaving me with £15.00.

    £30,000 £10,816.94DMP consisting of...
    £857.00 Barclays O/D - £2,039.29 Barclaycard
    £3,875.24 Abbey card
    - £4,045.41 M&S Money
    Original DFD Sept 2022


    • charhen19
    • By charhen19 8th Nov 18, 9:23 AM
    • 58 Posts
    • 62 Thanks
    charhen19
    Day 8/21

    £15 to last until midnight Friday night.

    Still to pay:
    *Another petrol top-up - hopefully £10 should do
    *Food bits - fresh stuff/YS only
    *£12.50 to find for the earlier-than-expected bill
    *penny a day challenge - £10.50ish required to keep on track
    *possible present/voucher for friend son 18th birthday

    No expected spends today - will be gymming again at lunchtime.

    Breakfast - 1 egg on one toast (bread from freezer)
    Lunch - tuna pasta sweetcorn mayo (made at home last night)
    Dinner - chicken provencale (in the slow cooker already) with rice (leftovers for lunch tomorrow)


    Still got £2.34 in nectar points and £00.51 in coop points.
    Last edited by charhen19; 08-11-2018 at 11:22 AM.

    £30,000 £10,816.94DMP consisting of...
    £857.00 Barclays O/D - £2,039.29 Barclaycard
    £3,875.24 Abbey card
    - £4,045.41 M&S Money
    Original DFD Sept 2022


    • joeyjimbles
    • By joeyjimbles 8th Nov 18, 2:24 PM
    • 1,670 Posts
    • 9,018 Thanks
    joeyjimbles
    Your challenge is really inspiring well done. Do you know about e-rewards surveys that pay in Nectar points? You have to be a 'member' but you already are because you have a Nectar card. Here's the sign up below, it's just the main one not a referral or anything. Mos of them are between 100-300 points and you can redeem at 1000 points = £5 onto your Nectar card.

    They email you when a survey is available but it's worth clicking that same link a few times as there are often others available even when the website says there aren't.

    Most credit immediately but some take 24hrs, and when you request the payment it typically takes 24hrs before you see it on your app - a little longer at the weekend sometimes. By clicking the link on any of their emails I frequently get 4-5 in a day, sometimes more, and I'm averaging £10+ a week without spending too long doing it. Last year I came to it late and made £120 for Christmas and this year I've made and redeemed over £300 and saved up another £120 for Christmas and £40 for the double-up in the coming weeks. All while watching tv!

    https://www.nectar.com/brands/e-rewards

    Hope it helps you. Good luck.
    Last edited by joeyjimbles; 08-11-2018 at 2:33 PM.
    • charhen19
    • By charhen19 9th Nov 18, 9:52 AM
    • 58 Posts
    • 62 Thanks
    charhen19
    Thanks joeyjimbles - great advice and I'll definitely look into that!

    After the gym at lunchtime and an unplanned trip to see a friend last night (the journey in rush hour traffic made a large dent in the petrol) there were no more spends yesterday.

    £30,000 £10,816.94DMP consisting of...
    £857.00 Barclays O/D - £2,039.29 Barclaycard
    £3,875.24 Abbey card
    - £4,045.41 M&S Money
    Original DFD Sept 2022


    • charhen19
    • By charhen19 9th Nov 18, 10:22 AM
    • 58 Posts
    • 62 Thanks
    charhen19
    Day 9/21

    Today's menu:
    Breakfast - crumpet from the freezer
    Lunch - chicken provencale leftovers (last night dinner) with rice
    Dinner - Quiche Lorraine with tinned new potatoes and spaghetti hoops

    Hmm so today/this weekend is going to be a toughie. I start today with £15 to last me until midnight with £20 to withdraw for Saturday and Sunday. So £35 to last until midnight Sunday.

    *pub at lunchtime today - I haven't participated in pub trips for a while and it's someone's birthday so I think I'll go today, need a bit of socialising sometimes. Max spend £5
    *after last night I need petrol again £10 max to last the weekend
    *I still need to add £12.50 to the earlier-than-expected-bill envelope as we're seeing the chap tonight to pay him

    Leaves me with £7.50 to last until midnight Sunday!! I can't see me actually needing to pay for anything else - drinks already prepared to take to sports club tomorrow.

    Should be fine - I hope!
    Last edited by charhen19; 09-11-2018 at 11:45 AM.

    £30,000 £10,816.94DMP consisting of...
    £857.00 Barclays O/D - £2,039.29 Barclaycard
    £3,875.24 Abbey card
    - £4,045.41 M&S Money
    Original DFD Sept 2022


    • charhen19
    • By charhen19 9th Nov 18, 3:50 PM
    • 58 Posts
    • 62 Thanks
    charhen19
    Spent £4.30 at the pub at lunchtime - had a really nice time so I'm glad I went and that's got it out of my system for a while now so I should be able to resist it for a few more weeks!!

    Spent £2.77 in coop on some yellow sticker bits for the freezer and milk.

    That left me with £27.93 - put the 43pence to my penny-a-day challenge, £12.50 to the earlier-than-expected bill envelope, will spend £10 on petrol on the way home leaving me with a round £5 in my purse until midnight Sunday!! Honestly can't see that we need anything before then so SHOULD be fine.

    £30,000 £10,816.94DMP consisting of...
    £857.00 Barclays O/D - £2,039.29 Barclaycard
    £3,875.24 Abbey card
    - £4,045.41 M&S Money
    Original DFD Sept 2022


    • charhen19
    • By charhen19 10th Nov 18, 6:53 AM
    • 58 Posts
    • 62 Thanks
    charhen19
    Day 10/21 - nearly halfway there!

    Iíve a doctors appointment this morning - so long as the rain holds off Iíll walk to save on petrol.

    Drinks prepped and packed for sports club duties - itís due to rain all afternoon so hope we get a win to make standing in it all afternoon worthwhile!

    Brunch - ys sausages in rolls
    Dinner - OH has said he will treat us to a cheap takeaway (he has recently had his LBM regarding his cc debt, one takeaway a week as a treat is massive progress for him - more about that another time)

    £5 in my purse until midnight Sunday night and Iím still on track 👍🏼

    £30,000 £10,816.94DMP consisting of...
    £857.00 Barclays O/D - £2,039.29 Barclaycard
    £3,875.24 Abbey card
    - £4,045.41 M&S Money
    Original DFD Sept 2022


    • charhen19
    • By charhen19 11th Nov 18, 9:09 AM
    • 58 Posts
    • 62 Thanks
    charhen19
    Day 11/21 - halfway there!

    The rain held off until we were walking back to the clubhouse yesterday and we got the win we were after! Great result all round 👍🏼

    No money spent and I found 15p in a coat pocket 😂 so £5.15 in my purse until midnight tonight.

    This morning weíre walking in to town to see the ceremony at the war memorial and will get any bits we need in the shops afterwards.

    I have 2 items due to finish on eBay - 1 will definitely sell and I hope to list a few more.

    Breakfast - leftover sausages in rolls
    Lunch - unplanned so far, will have a rummage in the cupboards
    Dinner - chicken, veg, roasties

    £30,000 £10,816.94DMP consisting of...
    £857.00 Barclays O/D - £2,039.29 Barclaycard
    £3,875.24 Abbey card
    - £4,045.41 M&S Money
    Original DFD Sept 2022


    • charhen19
    • By charhen19 11th Nov 18, 3:14 PM
    • 58 Posts
    • 62 Thanks
    charhen19
    I put £2.15 into the poppy appeal tin at the memorial ceremony (I already donated to several others and bought poppies).

    Then I spent £2.96 on milk and veg leaving me with 4p in my purse until midnight 👍🏼 🤑

    £30,000 £10,816.94DMP consisting of...
    £857.00 Barclays O/D - £2,039.29 Barclaycard
    £3,875.24 Abbey card
    - £4,045.41 M&S Money
    Original DFD Sept 2022


    • ImpulseSpender
    • By ImpulseSpender 12th Nov 18, 8:54 AM
    • 61 Posts
    • 139 Thanks
    ImpulseSpender
    Glad you got the win you needed, makes standing around all morning worth it.

    Good find on the 15p, every little helps!
    Make £100 in November: £133.36/£150.00 / November NSDs: 4/15
    FD CC - 258.78/258.78, Santander CC - 50/3564.05, MBNA CC - 400/3144.96, Savings - £300/5000
    • charhen19
    • By charhen19 12th Nov 18, 9:31 AM
    • 58 Posts
    • 62 Thanks
    charhen19
    Thanks impulsespender - it sure does all add up!

    We ended up having kievs (YS from the freezer) and star wars pasta shapes in tomato sauce for lunch yesterday

    Only the one ebay item sold and I'm just waiting for payment then can post.

    £30,000 £10,816.94DMP consisting of...
    £857.00 Barclays O/D - £2,039.29 Barclaycard
    £3,875.24 Abbey card
    - £4,045.41 M&S Money
    Original DFD Sept 2022


    • charhen19
    • By charhen19 12th Nov 18, 9:43 AM
    • 58 Posts
    • 62 Thanks
    charhen19
    Day 12/21 and a new week.

    4p in my purse but I shall draw out £20 for today and tomorrows £10 per day.

    Breakfast - crumpet (YS from freezer)
    Lunch - leftover chicken from yesterday, mixed with red onion and mayo to have on ryvitas
    Dinner - gammon steaks (YS from freezer), frozen veg, fried egg & I'll slice and fry/saute the leftover roast potatoes from last night

    Things to think about this week:
    *will need a petrol top-up at some stage (goodness knows where it's gone this month)
    *I need to pay a £20 balance for a Christmas meal by 20th November
    *friend's son's birthday Friday 16th - still undecided as to what to do
    *will need a few minimal food bits

    This will be the toughest week yet I think! Still, I still have plenty of main bits of meals in the freezer so should just need accompaniments. We have no evening plans and I'll get to the gym at lunchtimes to avoid the shops and the pub!

    £20.04 to last until midnight Tuesday.
    Last edited by charhen19; 12-11-2018 at 4:02 PM.

    £30,000 £10,816.94DMP consisting of...
    £857.00 Barclays O/D - £2,039.29 Barclaycard
    £3,875.24 Abbey card
    - £4,045.41 M&S Money
    Original DFD Sept 2022


    • charhen19
    • By charhen19 12th Nov 18, 1:44 PM
    • 58 Posts
    • 62 Thanks
    charhen19
    I've put the odd 4p towards my penny-a-day challenge.

    Forgot to say that we saw the chap to pay the earlier-than-expected bill on Friday evening - so by saving a little of my daily allowance each day I managed to find what was needed in plenty of time, phew!

    I've been paid for the ebay item which sold so that's wrapped and ready to be posted on the way home. It's such a good feeling to get some money for something which is no longer required and feels great to clear the house a bit so why do I always put off listing more items on ebay?! It's actually so much easier on the app these days than it used to be when ebay first started - must make a concerted effort to list more items this week.

    We are down to 3 dishwasher tablets left and I refuse to buy anymore during this challenge!! I know that the dishwasher is a luxury so from now on I'll wash any large and not-too-heavily-dirty items by hand and only use the dishwasher when it's jam packed full every couple of days. I'm thinking Thursday, Sunday and then Tuesday as a rough plan. (We don't normally use it every day but I guess we have got a bit slack in packing it to it's maximum potential).

    £30,000 £10,816.94DMP consisting of...
    £857.00 Barclays O/D - £2,039.29 Barclaycard
    £3,875.24 Abbey card
    - £4,045.41 M&S Money
    Original DFD Sept 2022


    • charhen19
    • By charhen19 12th Nov 18, 10:32 PM
    • 58 Posts
    • 62 Thanks
    charhen19
    I spent £5.93 in sains on the way home tonight - mainly winter veg for a beef stew in the slow cooker tomorrow. I stuck to my list and it was 7p cheaper than when I’d checked online - so 5p into my 5p bottle, 2p towards my penny-a-day challenge and £14 in my purse until midnight tomorrow.

    £30,000 £10,816.94DMP consisting of...
    £857.00 Barclays O/D - £2,039.29 Barclaycard
    £3,875.24 Abbey card
    - £4,045.41 M&S Money
    Original DFD Sept 2022


    • charhen19
    • By charhen19 13th Nov 18, 9:17 AM
    • 58 Posts
    • 62 Thanks
    charhen19
    Day 13/21 - just over a week to go!

    Will need to get £10 petrol tonight on the way home. OH has to go into town for a meeting so won't be home until late - meaning I can get on with my chores indoors and then catch up with my soaps!

    Breakfast - YS crumpet from the freezer (these will run out soon, I promise )
    Lunch - pasta 'n' sauce meal (from my desk drawer, bought on offer and stashed for emergencies)
    Dinner - slow cooker beef stew - have packed it out with loads of veggies and pearl barley (beef was YS)

    Can't anticipate any other spends so after the petrol I should have £4 in my purse until midnight
    Last edited by charhen19; 13-11-2018 at 11:22 AM.

    £30,000 £10,816.94DMP consisting of...
    £857.00 Barclays O/D - £2,039.29 Barclaycard
    £3,875.24 Abbey card
    - £4,045.41 M&S Money
    Original DFD Sept 2022


    • Choccygirl123
    • By Choccygirl123 13th Nov 18, 9:29 AM
    • 195 Posts
    • 282 Thanks
    Choccygirl123
    Well done charhen! you're doing amazingly well, especially being able to find the extra money for the tradesman. You've nearly made x
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    SPC 090 - £27.75 / £240.00
    • enthusiasticsaver
    • By enthusiasticsaver 13th Nov 18, 10:06 AM
    • 7,284 Posts
    • 15,993 Thanks
    enthusiasticsaver
    Great challenge and brings back memories of how I used to manage our money years ago when our kids were small and I literally had to account for every penny spent. I did it in 3 day blocks though (0.5 of a week) rather than daily. Menu planned for the 3 days using just one type of meat at a time so minced beef for example and making 3 different meals out of it and either freezing it for later on in month or having two or sometimes three days running. Minced beef is a great one as spaghetti Bolognese, cottage pie and beef pie or homemade burgers always went down well with the children.

    You are doing brilliantly. When is the DMP due to finish?
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
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