Saving More, Spending Less | An Update

I recently wrote a post entitled Saving More, Spending Less | Our Plan To Be Debt Free ASAPI thought it was about time to give you an update two months on.

I mentioned I had five debts to pay: my friend, a large utility bill from when we had our water leak, tax credit overpayment and two credit cards. Well, since I wrote that post I managed to get sent another large water bill but I am glad to say both that and the utility bill are completely gone. I have almost finished paying my friend and have been making some headway with the tax credits and credit cards.

So how have I been doing this?

Saving More

I mentioned I would be saving more through three ways: skimming my bank account, using the Chip app and reducing my outgoings. I recently opened a new savings account with Lloyds and set up Save The Change to skim my current account with them. I actually deleted my Chip account this morning as I no longer had a need for it and disconnected all my information – Save The Change now does it all for me. I also managed to reduce my outgoings by cancelling any payments for things that I rarely or no longer used.

Spending Less

I must admit this has been quite hard and I am still partial to the odd coffee shop trip or takeaway but gone are my magazine subscriptions and subscriptions to anything else I don’t use regularly enough. No point wasting money on things I am not using!

Working More

I am so proud to say that this really seems to be working for me. I have a few long term freelance clients and few long term blog clients but am always happy to take on more work if it fits in my schedule. I’ve also branched out into Virtual Assisting; helping bloggers when they really need an extra pair of hands because they are so busy or away on holiday. I still need to do some work on my work website and get promoting the blogger outreach side of what I have to offer but I’m doing well and once bills are paid, debts are going down, down, down!

Hustling, Hustling, Hustling

Finally..how am I getting on with my side hustles? I’m still checking my daily lotteries (my favourites are Free Lucky Lottery, NumberPlateLotto (which I have won on before and been paid THE SAME DAY), The Selfie Lottery, Free Postcode Lottery, Lucky Phone and DOB Lotto. I’m still completing online surveys – I’ve recently scaled down the sites I use but I still use Populus Live, New Vista Live, Panelbase, Opinion Outpost, OpinionBar, Pinecone Research, Prolific Academic and YouGov. Some of these offer an email referral scheme so if you’re interested in signing up to Panelbase or OpinionBar under me, just let me know! I’ve managed to cash out over £150 this year so far – all going towards debt.

Swagbucks has taken over my life again – you can sign up here – I’ve made almost £100 since getting back into it. I’ve also been selling our unwanted items. Facebook and GumTree seem to have gone a bit quiet so I’m now going to try eBay once again. They say the average person has around £4k of stuff in their house that they could sell so I’m definitely going to try and get some of my old stuff shifted.

I’m feeling so positive about the year ahead and I know I can do this -wish me luck!

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