Head out of sand time! £63k to zero!

morecambe.bae · 15 May 2017 at 12:05PM

I'm locked in! Good luck

bertiewhite · 15 May 2017 at 12:09PM

Cherryfudge wrote: »

Well done for selling the handbag - not an easy choice but in a few years you will hopefully be in a position to get its latest equivalent

It's a difficult thing to do sometimes - I sold my favourite guitar & amplifier a few years ago as it was just sitting there, I wasn't playing in a band any more and the money was better spent on something we really did need. I did keep a much cheaper guitar and I keep saying that when I retire from my job in 5 years time, part of the pension lump sum WILL be going on a replacement.

Bigskies · 15 May 2017 at 12:11PM

bertiewhite wrote: »

It's a difficult thing to do sometimes - I sold my favourite guitar & amplifier a few years ago as it was just sitting there, I wasn't playing in a band any more and the money was better spent on something we really did need. I did keep a much cheaper guitar and I keep saying that when I retire from my job in 5 years time, part of the pension lump sum WILL be going on a replacement.

That's what my hubby said, that when it's all clear I can have a new one. I do wonder if by that time I'll not want to spend £600 or whatever on a handbag! :rotfl:

Bigskies · 19 May 2017 at 7:24AM

Quiet debt busting week, hideous week at work -thank goodness it's Friday! Haven't spent much this week, no exotic holidays booked and haven't bought lunch out at all, so reasonably successful!
Plan for the weekend:
Do some work in the garden if it actually stops raining for more than a second
Sort trailer for camping weekend (free) next BH weekend
Bump all FB selling posts to try and drum up some sales as nothing for the last four days
Consider putting some stuff on Evilbay
Try and get some rest as knackered after this week's shenanigans at work

Hiddenidenity · 19 May 2017 at 7:54AM

Amazing amount paid off the debt

Have a lovely weekend

Bigskies · 19 May 2017 at 6:05PM

Hiddenidenity wrote: »

Amazing amount paid off the debt

Have a lovely weekend

Thank you! You too x

Bigskies · 20 May 2017 at 10:28AM

Morning all! Hope everyone has plans for a relaxing/crazy and wild/chilled weekend?
We are having a 'tidy up the house and garden' weekend. Youngest has a birthday party to go to, which is likely to involve many hours of hair and make up planning (she's 13:cool:)
We are just about going to have the right amount of month for money, but it's tight. Normally at this point I would say 'sod it' and do a huge food shop on the credit card, but we have enough in the groceries pot for a shop, no treats this week though!
I'm hoping a few bits sell on FB or EBay this weekend, as could do with a few quid as we are away on a camping trip next weekend with friends, it's free but we have to pay fuel and food of course. Drinks are free though as I've not opened any of the wine I found behind the carpet cleaner! :rotfl:

Bigskies · 21 May 2017 at 1:21PM

Well weekend has gone okay so far. Sold £20 worth on EBay and £20 worth of FB, and spent £8 on plants for garden, so I'm £32 up :rotfl:

Have done quite a lot of housework and sorting out, and sorted out a few more bits that are on EBay, so will see what happens. I put things on for Buy it Now, as don't find auctions make much profit these days.

Front of the house is looking nicer as scrubbed the front step and front door and potted up the planters, so it doesn't feel like we are bringing the neighbourhood down any more!

This week is busy as usual, and need to try and sort out our camping stuff for next weekend, but can't until the trailer is clear of garden stuff.

Bigskies · 30 May 2017 at 9:06AM

It's been a really quiet week on the money saving front. We had a couple of days away camping with friends, which was a free camping pitch, but ends up costing money for eating out and so on, so things are tight right now.
We've been paid for the month, but having done our budget there is literally no wiggle room and that's just depressing. We are snowballing extra towards the debt to try and bring the numbers down, so that doesn't help, but after all the pots (fuel, food, kids clubs, car maintenance etc) are filled we are left with nothing spare.
I know that when the debt is paid we will be left with £2k a month to play with, but it's so hard right now having zero to play with. Suspect that's why we have ended up where we are, because being on a tight budget is just SO depressing!
Anyway, will try and sell a few bits on eBay to get us some fun money, not sure what I've got to sell as had a massive clearout this month, but I'm sure there will be a few bits and bobs I can get rid of.

enthusiasticsaver · 30 May 2017 at 9:15AM

Were the two loans debt consolidation loans?

Clearing debt is depressing but you are tackling it in the right way and on the bright side you can see an end to it. 3 years is not a huge amount of time in the grand scheme of things and at that point providing you still have a similar income level you will have a lot of monthly money spare when the debt is gone.

Head out of sand time! £63k to zero!

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