Hi all. So in 2016 I felt that the only way for me to clear my debts at a good rate was to effectively ban spending on all unessential items. I was relatively militant and although I did buy things, although I did buy things I could have just about lived without, I decided that […]
Tag Archives: no spend year
Be Prepared to be Bored…6 Month Expenditure Comparisons
I decided that on the 1st of April 2015 I would start keeping a thorough spending diary. I said that this was because it was the start of a new tax year but really it was because I hadn’t had the idea in January. I never expected to keep it up, but I did. And […]
The Books That Are Helping Me (No Spend Year)
So as you all know I am doing a ‘No Spend Year’, which may seem like a noble pursuit but really when you are in debt you should put the plastic the f*** down and not buy anything as that is just common sense. Like any good idea, mine was not original at all. In […]
The ‘Non Essential Spends Only’ Birthday Money
For my birthday at the end of March the boy gave me £40 spending money with the instructions that it was for ‘Non Essential Purchases’ only. Initially I was doing quite well, getting books for 37p (after vouchers), clothes for 38p (after vouchers) and hair bands because I needed hairbands, but I have decided to be strict […]
690 Days
There are 690 days left before I turn 30. I want my debt cleared by then. Currently my Credit Card and Overdraft debt stands at £4920.83 I owe the boy £1011.75 Total = £5932.58 Divide that amount by 690 and it comes to about £8.60 a day. If I could pay that everyday then my debt would be cleared by […]
Financial Review of April 2017
Another month has ended. Things are getting very ‘real’ financially for me, so I am going to analyse where I have been making mistakes. Here is a breakdown of my spending in April 2017. FOOD AND HOUSEHOLD SHOPPING TOTAL SPENDS IN APRIL = £241.28 This was £41.28 over budget, which is far from ideal. I am going to […]
