Single, six kids and going to be debt free!

So I thought I would do a round up on how I am doing with my target debt and total debts.

Target Debt No 2: £224.17/£412.05 46% paid - I am hoping this will be paid off in March. At the moment it is due to be paid in April but I reckon I can get it paid earlier.

Target Debt No 3: £400/£1000 40% paid - This is my overdraft which I am currently not in but I will be again at the end of the month. I only count how much has been paid off this one at the end of the month as that is when I pay my two big bills of rent and childcare. I am hoping this will be paid off this month, this is as long as my ex husband gets a bonus this month. If he does, he pays me a percentage of his bonus. If I get the same amount as last year, then this will clear the rest of my overdraft!

Total Debts: £12618.16/£23057.16 45% paid - But the big thing is here that one of the debts that is still outstanding seems to have disappeared! So if I don't count that one then I only owe £7899.56/£23057.16!!

So all looking good and if the debt that has disappeared stays gone, then I will be debt free in November if not sooner if I can save money/make more money from somewhere!

However there is a list of things that I want that would make my life easier and I still have rugby tours to save up for!

So the list of things to save for is as follows:
Minis rugby tour spending money £200/£200 (I have saved £150 but am being given £50 on the weekend from one of the rugby girls who is staying in our caravan)
Girls Rugby Tour £3/£155 This is the amount still to pay but no spending money needed as the amount I have paid includes all food all weekend!
New Laptop £0/£150
New pushchair and buggy board £0/£150
New Large upright freezer £0/£150
New shelving unit for girls room £0/£60
Little bits for around the house like washing basket £0/£50

The last few bits is stuff that I would like and they would make my life easier. I am prepared to get secondhand stuff and I know I can get a laptop from the computer shop down the road for a maximum of £150 if not less.

I have £34.50 left of my birthday money and £207.15 left of my nan's money. I also have £23.66 earmarked from sales for new furniture. I also have money saved up in my household fund which would be used for appliance replacements as the landlord does the fixing of the bits round the house.

I am very impatient and really want these bits now but I am now waiting until I have saved for them. In the past I would have just gone out and bought them when I wanted them, but I am thinking about money more and definitely not just spending when I feel like it!

Thanks Charlie's Tribe. I have had a bit of luck in this short time but being on here has definitely made me think more about money. I am saving at least £40 a week from my food, petrol and spending money budgets. But the money is there if I need it.

In theory this week I should save £30 from my petrol budget, hopefully £15 from my food budget and at least £30 from my general spending budget! This will go towards the next rugby tour.

I also have loads of things to sell still and seeing as there is no rugby matches this Sunday, Sunday will be a day of sorting out and listing items for sale!

Previously I used to work out my money of how much I needed for the week and then just think oh I have spare, I'll spend that. Or I used to think my overdraft was my money as well. There are so many things I want at the moment and I am being so restrained I can't believe it.

I have just cashed out a £5 Amazon voucher on shoppix as I had someone sign up using my referral code. No idea who did but thank you. If anyone else wants to sign up, my code is 403QL9Y8!:D

So I now have £20 in Amazon vouchers to use for my son's birthday presents. I have some bits for him already but will get him a few more clothes.

Today will be spent at home with the youngest two. Not doing much over the weekend either as no rugby matches on Sunday! So I might transfer some of my general spending over to savings as I still have loads left and I don't plan on spending much at the weekend! I will be mainly sorting out the house to try and find some more bits to sell. I also want to clear the garage a bit in order to find room for the bikes and scooters.

So this morning I have had a cheque in the post from natwest regarding my packaged bank account fees claim. It's only for £67.30 which is the interest but I suppose it's better than nothing. I will have to pay that in next week.

However they did find that I didn't receive a preferential loan rate so they have refunded that amount to the amount I owe. Which is good but that is one of the debts that the bank decided not to chase for:mad:. I have no idea how much they have refunded either!

I suppose the interest back is better than nothing and it go towards my next target debt which will mean that that will only have about £60 to go and I might try and pay that this month!

Next to do is copy ppi documents I have and send them off. I definitely paid ppi on a loan I had years ago as I still have the paperwork. And I am still waiting on a reply about an old credit card that I had ppi on. I still have the statements from 1999.

I might do a bit of sorting out in the loft this weekend, see if I can find anymore old paperwork.