Giving myself 2 years to get out of Debt

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  • Fivebyfive
    Fivebyfive Posts: 86 Forumite
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    EssexHebridean wrote: »
    I

    One further point off your earlier post - you say that unexpected expenses pop up regularly - you need to think through what these are and then work out why they are taking you by surprise. Obviously a tight budget doesn't make covering all the bases easy, but a lot of financial shocks can be saved or at least cushioned by planning ahead.

    Yeah there always seems to be something....this month it is insoles for my shoes as they have worn away at the heel & new charger cables. I suppose these could technically be classed as using clothes budget and household repair budget in hindsight.

    The medical category is for dental appointments for myself ( going every 3 months at moment) and for monthly prescriptions.
    Debt =£5,829.57 Aug 17 /£5,598.05 Mar 17/ £6,310.36 Feb 17/ £6,468.06 Jan 17/£6,593.06 Dec 16/ £6,545.36 Nov 16/ £6,886.82 Oct 16
    SPC #037
  • EssexHebridean
    EssexHebridean Posts: 21,411 Forumite
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    Ahh yes that clarifies on the child costs front - I wondered if it was something like that and yes absolutely understand your feeling that it's not to your OH to contribute there. What sometimes gets forgotten is that "equal" is not always the same as a straight split down the middle - as in your case there are sometimes other factors involved.
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00
    Balance as at 31/12/23 = £112,000.00
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  • Fivebyfive
    Fivebyfive Posts: 86 Forumite
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    EssexHebridean wrote: »
    Ahh yes that clarifies on the child costs front - I wondered if it was something like that and yes absolutely understand your feeling that it's not to your OH to contribute there. What sometimes gets forgotten is that "equal" is not always the same as a straight split down the middle - as in your case there are sometimes other factors involved.


    Very true :)
    Debt =£5,829.57 Aug 17 /£5,598.05 Mar 17/ £6,310.36 Feb 17/ £6,468.06 Jan 17/£6,593.06 Dec 16/ £6,545.36 Nov 16/ £6,886.82 Oct 16
    SPC #037
  • Fivebyfive
    Fivebyfive Posts: 86 Forumite
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    Yes Yes yes:j :j :j

    Got that last survey I really needed on 0ne P0ll and got my £40 bacs payment coming through
    Debt =£5,829.57 Aug 17 /£5,598.05 Mar 17/ £6,310.36 Feb 17/ £6,468.06 Jan 17/£6,593.06 Dec 16/ £6,545.36 Nov 16/ £6,886.82 Oct 16
    SPC #037
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Name Dropper First Anniversary First Post I've been Money Tipped!
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    Excellent news!
  • Fivebyfive
    Fivebyfive Posts: 86 Forumite
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    Pay day today :j

    I have paid £25 towards debt 1 which takes the total owed down to £167 :D

    I have DD set up for the other 2 debts so they should be coming out sometime soon.

    Currently waiting on

    £40 from 0ne P0ll
    £5 Giftcard from B0unts
    £5 Giftcard from Sw&gbucks
    £150 C0-0p bank account switch - Due 1st Dec
    £70 Quidc0 cashback - Due 1st February 2017
    Debt =£5,829.57 Aug 17 /£5,598.05 Mar 17/ £6,310.36 Feb 17/ £6,468.06 Jan 17/£6,593.06 Dec 16/ £6,545.36 Nov 16/ £6,886.82 Oct 16
    SPC #037
  • Fivebyfive
    Fivebyfive Posts: 86 Forumite
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    I have been on Am&zon this morning to purchase a book I've been wanting for a while with the £40 entertainment budget for this month :D

    I noticed it was in the 'buy 3 books for £10' section so thought I would see if they had anymore to add to my collection. I ended up purchasing 3 books that should have come to £19.98 but as i had £8 gift card balance to add from sw&gbucks and they were in the promotion it only came to £2 :j I'm so happy I've saved £17.98. :D

    They were all part of a couple of book series that I collect so they would have been on my automatic purchase list anyway. I wouldn't have bothered otherwise as I have started using the library a lot more and stopped buying every book i read :rotfl:
    Debt =£5,829.57 Aug 17 /£5,598.05 Mar 17/ £6,310.36 Feb 17/ £6,468.06 Jan 17/£6,593.06 Dec 16/ £6,545.36 Nov 16/ £6,886.82 Oct 16
    SPC #037
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Name Dropper First Anniversary First Post I've been Money Tipped!
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    Result! £2 to pay, is great hun x
  • lucy-lou
    lucy-lou Posts: 55 Forumite
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    Hi fivebyfive,

    Just stopping by to say you are doing great. I have found thinking about purchases makes such a difference in have walked away from 2 jumpers this week, working in retail does not help when the new lines arrive!!

    Keep up the good work!
    Barclaycard 1 = £976.90 / £0 remaining
    Barclaycard 2 = £1865.10 / £0 remaining
    Nationwide = £1156.45 / £0 remaining
    Total = £3998.45 / £0 remaining :j

    :dance: DEBT FREE DATE 24/03/2017 :dance:
  • PositiveStep
    PositiveStep Posts: 13 Forumite
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    Fivebyfive wrote: »
    I have been on Am&zon this morning to purchase a book I've been wanting for a while with the £40 entertainment budget for this month :D

    I noticed it was in the 'buy 3 books for £10' section so thought I would see if they had anymore to add to my collection. I ended up purchasing 3 books that should have come to £19.98 but as i had £8 gift card balance to add from sw&gbucks and they were in the promotion it only came to £2 :j I'm so happy I've saved £17.98. :D

    They were all part of a couple of book series that I collect so they would have been on my automatic purchase list anyway. I wouldn't have bothered otherwise as I have started using the library a lot more and stopped buying every book i read :rotfl:
    £2 is a bargain, well done! :)
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