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...wanna be debt free...first need to calculate my debt!

gemmylouise
gemmylouise Posts: 102 Forumite
Part of the Furniture 10 Posts Combo Breaker
in Debt-free wannabe
Hi guys!

So I have just joined to use this forum, so far I have seen loads of good tips and advice to become debt free.

I am serious about becoming debt free, so today I am calculating my debt to the penny and creating a signature like the rest of you, that way I can see it going down.

Things I aim to do to become debt free:
- Sell all my unwanted items on ebay
- Stop buying non essential items - clothes, make up etc (Christmas list)
- Try to find budget price xmas presents
- Turn electricity off if not using!
- Some my debts out so I don't keep paying charges
- Make extra money!! HOW!? What is the best survey site to join?

Plan for the day, get orgainsed!

Gemmy
x

Comments

  • imindebttoo
    imindebttoo Posts: 74 Forumite
    Hi gemmylouise

    Welcome - this page may help you get started:

    http://forums.moneysavingexpert.com/showthread.html?t=107280

    IIDT :)
  • Pippilongstocking
    Pippilongstocking Posts: 16,336 Forumite
    Goodluck - well done you on having your moment of thinking OK lets get this sorted (Lightbulb Moment!!) its all about small steps - post your SOA (statement of affairs) on here and let folks give you some advice.

    Many of us have really benefited from posting on the 'what small things thread' its up just now as a weekend thread and its started everyday fresh and we just list those small things we will do 'today' to move ourselves slightly forward. Give it a bash as well its fun - a real variety of folks post there and it really helps form good habits!

    http://forums.moneysavingexpert.com/showthread.html?t=2078409

    Goodluck!!

    Goodluck and look forward to hearing more from you!
    Total debt 26/4/18 <£1925 we were getting there. :beer:
    Total debt as of 28/4/19 £7867.38:eek:
    minus 112.06 = £7755.32:money:
    :money:Sleeves up folks.:money:
  • gemmylouise
    gemmylouise Posts: 102 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    Hi

    Yay I got a reply!

    Thanks for showing me this page, I have had a read through. I don't think I'm ready to use this high tech calculator yet. I'm getting organised, putting all my statements together at the moment!

    I'm setting up a folder to try and help me keep track!

    Aiming to just work out the figure I owe today!

    One step at a time! I will then need to work out my total in and out!

    Thanks

    Anyone know what's the best survey site I can join to gain reward!?? x
  • Tixy
    Tixy Posts: 31,455 Forumite
    edited 14 November 2009 at 2:56PM
    Hi and welcome

    Sounds like you have a good list there gemmy, and another important step is creating a detailed financial statement of affairs (as per the link IIDT gave).

    Also look through your bills/costs for mobile, broadband, landline, paid TV, and all insurances and check if you can get cheaper elsewhere - use comparison sites and if you switch check if you can gett cashback from quidco (or others). Look at package deals for tv, broadband & telephone.

    If you shop online a lot and don't belong to quidco then sign up now.

    Read the up your income board on MSE for ideas about surveys and review sites and also for details of the free bingo site scratchcards. Join up to several survey sites for the best returns - I like pcone as you earn £3 vouchers for each survey you do and don't have to wait until you have earned a set amount unlike with some sites.

    Good luck
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • gemmylouise
    gemmylouise Posts: 102 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    Hi

    Yes I will make the detailed account once I have everythig in order and sorted out. My mobile and broadband are cheap but on contracts so I can't change these right now. I don't have a landline, and have paid my tv license. I am on a water meter, have no gas and my electric so far in my new place has been £8 per month so my bills are pretty low! My contents insurance is £5 per month and my car insurance was about £300 but I shopped around for the cheapest price at the time. My debt has come from moving out of home having to set up a new place!

    pcone?? Where do I find this, I have googled with no luck!?

    Thanks for your advice
    Gemmy
    x
  • Numpty_Monkey
    Numpty_Monkey Posts: 14,196 Forumite
    10,000 Posts Combo Breaker
    Hi gemmy:hello:

    Pcone send refferals to its members evey once in a while thats the only way you can join:o
    A couple of survey sites I use are Lightspeed (pays into Paypal account) YouGov need £50 to cashout I'm still nowhere near after 18 months, some peeps do quite well from it, acouple of others I used to do are Taluna and Valued Opinions, pay out in vouchers
    I'm unlucky and get screened out of most:rolleyes:

    Another is Daily Clicks, have a look at this thread
    Free Daily Cashback from sites - Q&A Board
    They can take a good few hours a day;)
    and takes about 5/6 months before you start getting any money back, but after that its pretty steady extra money
    Best ones I do at the moment are GetPoundsBack £100 :D Cascade £88:D and SearchChief, £77,:D and TopCashBack £61:D:money: and a few others;), Thats what I've been paid this year, but most are from starting octber the previous year:o

    Another way is to use CashBack sites for buying things online, insurance, shopping loads of stuff, includeing free signups;)
    Just a few Ideas:A
    PROUD TO BE DEALING WITH MY DEBT NERD #869
    Numpty,Not sure why but I'm crying :o . Of all the peeps on this board you're the kindest & most supportive of all & I'm :mad: & :( for you all at the same time . Wish I was there to give you a big :grouphug: & emergency hobnobs
    xx
    DFD 5/1/16
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