That's all that's left of this week's budget, to last until Friday! Donated £1 to charity by buying a cupcake (wasn't completely alturistic haha) and spent £2 on a sandwich. Must make sure I take lunch with me on Thursday, or admit defeat and spend a bit of money out of budget...
Savings are currently up to £71.32 with £20 to add from my bingo winnings a while back. Trying to do 'risk free' bingo at the moment to make a little money - basically the principle is to sign up to sites that offer free money to play with (the one I signed up with was via an account on a points site and I got £5 free to play with), or to sign up to sites via a referral, giving some bonus money to play with, and then go for it! Some of the sites require a £10 deposit, but I am only doing this with sites that I get £10 back from immediately via referral money. Basically the idea is, spend no money or only money I can definitely get back, and make money by signing up via cashback websites, or by being lucky enough to win some! Lucky I don't have an addictive personality, as I imagine some people would keep spending their own money on these sites... I personally find online bingo pretty tedious.
Credit card #2 is now at £772.50 following my 0% balance transfer of £750 for 9 months to pay off my friend and the existing balance on the card, plus the £22.50 balance transfer fee. Decided to set up a savings account to put the money in that I'm saving up towards paying this off (as I like to have different accounts to split up my money), and decided a Cash ISA is the best way forward, as they have the best interest rates. Have decided that rather than using this account as a temporary holding area to keep the money separate from my other spending, I might save up the money to pay off the £772.50, and then pay it all off in one hit just before my 9 months 0% interest is up. This would give me 9 months' savings interest on the money rather than making no interest on the money by paying it off my card in bits, quicker. I think this is the best idea, although I won't like looking at the credit card balance barely coming down over the next 9 months! I will of course, have to pay minimum payments so it'll come down a little bit in that time, but psychologically this will be a weird thing to get my head around.
Best get sell, sell, selling to start raising the money!
About Me
- The Debt Girl
- I'm single, broke, and in my early 30s... but thankfully decided a while ago to sort my life out once and for all; in particular to sort out my finances, and to move forward into a debt free life. I'm hoping writing a blog will help spur me on through my social life cutbacks, my successful and not-so-successful attempts at dating, my new addiction to the Sainsbury's Basics range, and the general insanity caused by the stress of money troubles.
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