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  • FIRST POST
    • Tinkerbelle2000
    • By Tinkerbelle2000 31st Dec 18, 9:50 PM
    • 597Posts
    • 2,130Thanks
    Tinkerbelle2000
    No Spend Here I Come
    • #1
    • 31st Dec 18, 9:50 PM
    No Spend Here I Come 31st Dec 18 at 9:50 PM
    Hi....Again

    This will be my third diary and I really hope that this time I can stick with it and get my debt gone for good as I find it more motivational when I'm on here. I have seen a lot of articles recently about a no spend year and I think I am going to try my own version of it. I have noticed that people who follow this make exceptions and mine are going to be as follows:-

    1. Food and everyday consumables like toilet roll and toothpaste etc are allowed, as are prescriptions and medicines, which will come out of my planned shopping budget.
    2. Only buy what we need which means creating a meal plan and sticking to it.
    3. Fix first, if not able to do I need to replace it at all?
    4. No buying of books, use the library more.
    5. Gifts for other people.
    6. Main wage can not be touched, other income can be saved into pots for clothes etc.

    I think I can be an emotional spender so I am also going to try and live more positively.

    I live with my dd who is now 18 and earning her own money and we have just recently moved into a private rent terraced house. I know it was probably cheaper to stay with my mum but I really needed my own space again.

    I have carried this debt with me for years, always paying chunks off but then it creeps up again. I am also one step away from opening my own Etsy shop, hopefully in the next couple of weeks, so that should bring me a little income in. Any money received from this will go back into buying products for the business.

    I have deleted my card details from online shopping sites, set up a budget for the year and I started the penny challenge at the beginning of December. I will use any change left over from my planned shopping budget to keep topping this up. I also have a M0nzo bank account and have created savings pots on there to move money into from second income. I also plan to keep a spending diary.

    I am joining SW tomorrow, for free thanks to a daily paper. This spend will come out of some extra work that I do.

    I am a couple of years away from 50 so my goal is to go into my 50's debt free.

    Happy New Year everyone.

    Tink xx
    As of 31st December 2018 Total Debt = 15837.59
    DEBT 1 - 41.10 DEBT 2 - 257.41 DEBT 3 - 584.12 DEBT 4 - 700.00
    DEBT 5 - 655.02 DEBT 6 - 669.18 DEBT 7 - 3448.00 DEBT 8 - 2169.12
    DEBT 9 - 2964.25 DEBT 10 - 4349.39
Page 1
    • MuffinTops
    • By MuffinTops 31st Dec 18, 10:42 PM
    • 2,206 Posts
    • 6,817 Thanks
    MuffinTops
    • #2
    • 31st Dec 18, 10:42 PM
    • #2
    • 31st Dec 18, 10:42 PM
    Yay Tink. Happy shiny new diary. That all sounds great with the no spending. It's too easy to just reach for the purse.


    I've seen a few people looking at no spends too, just watched one on YouTube who also had her own exceptions.



    Good luck. We'll be waving our poms poms on the sidelines for you.


    Happy 2019.



    MTx
    • beanielou
    • By beanielou 1st Jan 19, 10:04 PM
    • 60,049 Posts
    • 251,974 Thanks
    beanielou
    • #3
    • 1st Jan 19, 10:04 PM
    • #3
    • 1st Jan 19, 10:04 PM
    Happy shiny new diary
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • RosaBernicia
    • By RosaBernicia 1st Jan 19, 10:50 PM
    • 3,676 Posts
    • 10,382 Thanks
    RosaBernicia
    • #4
    • 1st Jan 19, 10:50 PM
    • #4
    • 1st Jan 19, 10:50 PM
    Hi Tink, happy new diary and happy new year


    Rosa xx
    Debt free May 2016
    MFW progress 5% ...
    Campervan loan progress 14%

    • Tinkerbelle2000
    • By Tinkerbelle2000 2nd Jan 19, 12:59 PM
    • 597 Posts
    • 2,130 Thanks
    Tinkerbelle2000
    • #5
    • 2nd Jan 19, 12:59 PM
    • #5
    • 2nd Jan 19, 12:59 PM
    Thanks MT, Beanielou and Rosa.

    Happy New Year

    Yesterday I did have a spend day but that was because I joined Slimming World - 4.95 with free coupon so I also bought the shower head and hose I needed which only came to 16.00.

    I also did some shopping for fresh fruit and veg but that came out of my shopping allowance.

    I did save a lot of money though on New Year's Eve as I had planned to go out but wasn't very well. I did have a good evening though sorting my budget spreadsheet and journal, very rock n roll

    I don't have anything that I need/want now so hopefully I will just be using my shopping money allocation from now on.

    Tink xx
    As of 31st December 2018 Total Debt = 15837.59
    DEBT 1 - 41.10 DEBT 2 - 257.41 DEBT 3 - 584.12 DEBT 4 - 700.00
    DEBT 5 - 655.02 DEBT 6 - 669.18 DEBT 7 - 3448.00 DEBT 8 - 2169.12
    DEBT 9 - 2964.25 DEBT 10 - 4349.39
    • BlackCoffeeNoSugar
    • By BlackCoffeeNoSugar 2nd Jan 19, 1:10 PM
    • 59 Posts
    • 175 Thanks
    BlackCoffeeNoSugar
    • #6
    • 2nd Jan 19, 1:10 PM
    • #6
    • 2nd Jan 19, 1:10 PM
    I've been thinking about this too - mostly by seeing all the toiletries I have in the bathroom cabinet, I think I can easily do a year without buying more shower gel or body lotion (some of them were gifts, but I've definitely bought a lot myself), and a good 3-4 months without buying shampoo or conditioner. Buying books has also been a weakness of mine, but I've been making better use of my library card for books and e-books, so thanks for the reminder there!

    I've subscribed to see how you get on, and steal some inspiration for myself
    Debt at November 2017: 8,619 Debt at December 2018: 4,161 Aim for December 2019: 0
    Pay ALL your debt off by Xmas 2019 #04 - 316.03 / 4,161
    • doingitanyway
    • By doingitanyway 2nd Jan 19, 2:39 PM
    • 3,931 Posts
    • 22,454 Thanks
    doingitanyway
    • #7
    • 2nd Jan 19, 2:39 PM
    • #7
    • 2nd Jan 19, 2:39 PM
    Happy New Year Tink.

    Wishing you all the best with your plans
    • Tinkerbelle2000
    • By Tinkerbelle2000 8th Jan 19, 2:32 PM
    • 597 Posts
    • 2,130 Thanks
    Tinkerbelle2000
    • #8
    • 8th Jan 19, 2:32 PM
    • #8
    • 8th Jan 19, 2:32 PM
    I've been thinking about this too - mostly by seeing all the toiletries I have in the bathroom cabinet, I think I can easily do a year without buying more shower gel or body lotion (some of them were gifts, but I've definitely bought a lot myself), and a good 3-4 months without buying shampoo or conditioner. Buying books has also been a weakness of mine, but I've been making better use of my library card for books and e-books, so thanks for the reminder there!

    I've subscribed to see how you get on, and steal some inspiration for myself
    Originally posted by BlackCoffeeNoSugar
    Thanks for subscribing. I have been totally the same with the shower gel, and did get some more as a present from DD's BF. Also I do spend quite a bit on different cleaning products so when these have all run out I will be buying a multi-purpose for kitchen and bathroom.

    Good luck x
    As of 31st December 2018 Total Debt = 15837.59
    DEBT 1 - 41.10 DEBT 2 - 257.41 DEBT 3 - 584.12 DEBT 4 - 700.00
    DEBT 5 - 655.02 DEBT 6 - 669.18 DEBT 7 - 3448.00 DEBT 8 - 2169.12
    DEBT 9 - 2964.25 DEBT 10 - 4349.39
    • Tinkerbelle2000
    • By Tinkerbelle2000 8th Jan 19, 2:38 PM
    • 597 Posts
    • 2,130 Thanks
    Tinkerbelle2000
    • #9
    • 8th Jan 19, 2:38 PM
    • #9
    • 8th Jan 19, 2:38 PM
    So I have had four NSD's in a row. I could count yesterday as well but I had to pay for SW. I need to fit this is the budget somewhere now as it wasn't at the beginning of the year. That way I can count it as a NSD.

    I've also made some inroads on my debts as well which is good for the beginning of the year.

    I have a nice little amount in my penny challenge as I am not going in order and just picking an amount from what I have left over from my grocery budget. I did keep within my grocery budget even with SW as we have planned our meals out for the week.

    I don't have much more news other than I think I need to find a new energy supplier. I've never paid as much for gas and electric as I do now and I'm only in a small terrace. Comparison sites have said that I am on the cheapest (smart meter prepaid due to private rent) but I was talking to a friend the other day and she has changed from the one I am using to a different one and is saving about 50/month. She also lives in the same sort of house too.

    Tink xx
    As of 31st December 2018 Total Debt = 15837.59
    DEBT 1 - 41.10 DEBT 2 - 257.41 DEBT 3 - 584.12 DEBT 4 - 700.00
    DEBT 5 - 655.02 DEBT 6 - 669.18 DEBT 7 - 3448.00 DEBT 8 - 2169.12
    DEBT 9 - 2964.25 DEBT 10 - 4349.39
    • Purplemumof2
    • By Purplemumof2 8th Jan 19, 2:57 PM
    • 6,665 Posts
    • 25,244 Thanks
    Purplemumof2
    Nice to see you back Tink, happy new shiny diary xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 5400.00 Lloyds: 9670.00 BC: GONE Cap One: 444.25
    Jan LTW 10/22
    PAYDBX 2019 #041 PD 325.70/5604.30
    Savings for Christmas 50.16/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • JohnJ76
    • By JohnJ76 8th Jan 19, 6:31 PM
    • 14 Posts
    • 33 Thanks
    JohnJ76
    Good luck on your debt free voyage.

    Your debts are in nice amounts (if a debt can be nice!) for snowballing. And because you have quite a few seeing one after another drop off will be great motivation. All depends how you intend on tackling them of course.

    I know what you mean about books, I used to be a !!!!!! for buying them but round by us we've converted the unused phone box into a library, people just deposit old books they have finished with and take one they fancy etc. Same as a library but it's 24hrs and you don't need to remember your card, and you get all sorts in there haha!
    • Tinkerbelle2000
    • By Tinkerbelle2000 11th Jan 19, 1:44 PM
    • 597 Posts
    • 2,130 Thanks
    Tinkerbelle2000
    Good luck on your debt free voyage.

    Your debts are in nice amounts (if a debt can be nice!) for snowballing. And because you have quite a few seeing one after another drop off will be great motivation. All depends how you intend on tackling them of course.

    I know what you mean about books, I used to be a !!!!!! for buying them but round by us we've converted the unused phone box into a library, people just deposit old books they have finished with and take one they fancy etc. Same as a library but it's 24hrs and you don't need to remember your card, and you get all sorts in there haha!
    Originally posted by JohnJ76
    Thanks JohnJ. I have seen a telephone box like that but I can't remember where. I can't wait to get rid of the smaller debts and concentrate on the bigger ones. All but one have 0% APR so it should ok.

    Tink xx
    As of 31st December 2018 Total Debt = 15837.59
    DEBT 1 - 41.10 DEBT 2 - 257.41 DEBT 3 - 584.12 DEBT 4 - 700.00
    DEBT 5 - 655.02 DEBT 6 - 669.18 DEBT 7 - 3448.00 DEBT 8 - 2169.12
    DEBT 9 - 2964.25 DEBT 10 - 4349.39
    • bellevie
    • By bellevie 12th Jan 19, 10:52 PM
    • 517 Posts
    • 1,890 Thanks
    bellevie
    Happy new year Tinks.

    Enjoy your new home
    Car finance ends October 2020
    Debt 1: 556 Debt 2: 800
    Savings 1: 900 Savings 2: 798 Savings 3: 862
    • MuffinTops
    • By MuffinTops 13th Jan 19, 10:18 PM
    • 2,206 Posts
    • 6,817 Thanks
    MuffinTops
    You're doing so well with the NSD's Tink. They'll hopefully add up to more money being put aside and on those debts.


    How are you getting on finding a new energy supplier?


    MTxx
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