Just to let you know went online yesterday and saw I have £1.37 as available funds in my account. I dont get paid until next Friday BUT still smiling as 4 months agao this would also of been the case but would of been 1.37 left of a large overdraft, I wouldnt have the £25.00 cash in my purse, fridge full of food, all my utilites paid and a savings account with a whole £13 in it!!!
It was the 3rd payment this month in the IVA household!! It has been a tough month with car needing a bit of work to get it thru its MOT and I know next month is going to be a killer with school shoes and coats to buy I have got the other uniform sorted. I am loving the budgeting side of things.
Keep smiling
Deex
Back to square one but what dunt kill you makes you stronger!!
that's a great attitude. It's weird the things that you don't miss. I've started walking to lots of places to save on petrol and i'm healthier and happier for it - and have lost 2 1/2 stone in the year i've been on an IVA! (though of course with this summer, i've invested in a decent brolly!). I no longer feel the need to buy the latest box set of some tv show, or splurge on magazines each week. Budgeting has really opened my eyes to the little things I wasted my money on and I'm really hoping that in 47 months time, I will be much better off by sticking to this new regime
Well Dee your a real inspiration i have just started on the iva road
but it is so comforting to know all the bills are paid food in the fridge and not a credit card in sight!!!I now enjoy my lunch breaks at work going between asda and poundland looking for the best deals
got a real bargain the other day i got a work blouse in sainsburys £2
and I handed over my nectar card for the points as I am lookig ahead to Christmas already!!!I will never get in to a mess again with my finances I am just so greatful for a second chance
I too have discovered pound land and I have also given in to getting my skin care from Lidel £2 for anti wrinkle cream and £6 for their super dooper line cream that has had rave reviews!!
Boots do a great £5 foundation that I prefer to my old £16 one since they"improved" it.
and whern my friend wanted to give me petrol money for collecting a table for her 40 mile away I asked for some perfume that i could wear for work from Next as it is £12 for 100ml.
My neighbour who is a hairdresser now cuts my hair and I colour it myself so that has brought a £70 bill down to £15 and as I only could afford to have my hair done twice a year I can now have it done every 2 mths and still be better off.
LOVE LOVE LOVE IT!!!
All great stuff!!!
Back to square one but what dunt kill you makes you stronger!!
I could not believe it at the end of my first month (last week), I hit that internet banking button to TRANSFER £8.36 TO MY SAVINGS ACCOUNT [:p] WOW I do not remember the last time I could do that (about 20 years ago I think)
There are 10 kinds of people that understand binary, those that do and those that don't
Last time I had savings I was getting £1 a week pocket money 50p i was allowed to spend and the other 50p I put into my nat west piggy account and colour in the money chart with my crayons that came in the pack!!!
I got a skirt from a boot sale the other week for 50p and it was Hobbs one too small at the moment but just another goal away!!!
Back to square one but what dunt kill you makes you stronger!!
Brilliant post and I have found Lidl and Aldi, I shop all over now rather than one shop...I use Aldi face cream, I get my clothes from Peacocks or similar, shoes are good in Brantano. I used to live in my overdraft too and often only have a couple of quid at the end of the month but it's always credit never debit.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
Have to say that I'm not fussed on Lidl and dislike Aldi intensely!
We do a bulk shop occasionally at Costco for dog food and loo roll and Flora (much cheaper there!) plus other stuff that it is cheaper to buy ther in bulk, rather than in dribs and drabs from the supermarket.
We are biased tpwards Asda as daughter works there part time, so we get discount!
It is great to have money left at the end of the month though, isn't it? Doesn't matter how little it is.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
What is Costco?? my friend has just given me a Bookers cash and carry card and thought about going there.
and found a local butcher who sells in bulk the more you buy the less you pay so some friends and myself are going to goes 4 ways on some bits!!
Sorry the face cream is from Aldi not Lidl!!! day cream, night cream and intensive line cream all for £11 not much to pay to be young and beautiful again lol
Back to square one but what dunt kill you makes you stronger!!
Costco is a big American owned cash and carry, available to the trade and to certain professions in the non trade sector. We buy some of our meat from the butcher and some from Costco as it is much better quality.
I don't do any creams from anywhere, never bothered with them at all. Probably why I look an old hag![:D]
Never believed all the hype anyway!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I use Aldi day cream and find it ok not tried other stuff yet but will do when I need to replace. Lidl's and Aldi for all salad stuff 27p for iceberg lettuce yesterday, will last me till end of week x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
We went into Aldi once, and just didn't like what they had.
Don't eat a lot of salad to be honest, and one of the bargains at Asda at the moment, if you like curry sauce that tastes like chip shop curry sauce, is their Smart Price - 4p a jar!
The only toiletries stuff I use is Sure deodorant, Avon shower gel, various shampoos and conditoners, and Veet home waxing. I just can't be bothered to do anything else!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I've been in Aldi and Lidl but I've never actually bought anything - I just didn't like it!
I must admit I save up and use a Clinique moisturiser as it's the only one that doesn't bring me out in spots - it's my one luxury. I always buy from shops on Ebay or Amazon though as it's less than half price.
For toiletries I use Treacle Moon shower gel from Tesco (smells lovely, I'm using coconut at the moment) which is about £3 for a 500ml bottle, Sure deodorant and Palmers Cocoa Butter body lotion. I love that, it smells like chocolate!
