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  • FIRST POST
    • hazeldreams
    • By hazeldreams 4th Oct 14, 3:33 PM
    • 155Posts
    • 342Thanks
    hazeldreams
    Our Journey from Debtdom to Freedom
    • #1
    • 4th Oct 14, 3:33 PM
    Our Journey from Debtdom to Freedom 4th Oct 14 at 3:33 PM
    Ok, here goes...(gulp!)


    If I'm completely honest, my LBM was back in 2012. I've been aware that my over-spending could not continue but in all honesty I've been in denial.


    I've been an avid reader of all of the diaries on here for some time. I've learnt so much from all you guys and I'm in complete awe at what you've all achieved on your journeys and well, now I feel its my time to smash this debt once and for all - my time to be free of the worry and stress it causes me and my family.


    DH is totally on-board (he's a laid back type and worries about nothing-but he understands how much it worries me). He's never been a spender, it's always been me moving from one expensive project to the next with little thought about whether I "need" it or simply "want" it or moreover can ever afford to repay it! What really frustrates me is the fact that I'm not a daft lass - I've a respectable profession - earn a great salary and I'm really proud of the job I'm doing raising two gorgeous girls. But this money/debt malarchy has me over a barrel - I feel I'm fighting a losing battle. You'll see from our signature, just how dire our situation has become...I'm totally embarrassed and ashamed of it but I'm totally determined to reverse 2 decades worth of mistakes and turn them into something truly positive.


    In readiness for starting on our journey from Debtdom to Freedom, I've read some literature on the psychology of spending to help me find the root cause of my issue with over-spending and I've got some strategies lined up as a result to keep me on the straight and narrow during the inevitable ups and downs of my journey.


    I've also worked with the hubster on driving down on our un-necessary outgoings and enlisted the help of YNAB and DebtPayoff apps to help keep us on budget and track our snowballing with our debt - I'll post my SOA shortly - any further help you lovely peeps can give would me welcomed muchly!


    So...what's our main driver? Why now? It's simple...We're doing this for our DD's...to protect their future, to teach them the value of money, to guarantee their security...life is so uncertain...this is one thing we can make a certainty for them.


    To keep me focussed I've picked up some tips from others successes on here....this is what I plan to do to keep us motivated...


    -Post on our diary every day no matter how we feel
    -Make a repayment a day (PAD) no matter how big or small
    -Post on "small things" thread to remind us that every step no matter how small is a step towards freedom

    We're aiming to keep this journey as simple as possible and take it one day at a time...We'd love you to come along and join us (and encourage us and support us) on our journey from debtdom to freedom!


    Wish us luck!
    £2638.55 to clear by 24/2/2017 when 0% ends
    £28,012.91/£74146.41(start 1/9/14) 37.7% paid off
    Current balance: £46,133.50
    DFD target February 2018
    Dec Challenges: NSDs 2/10; Groceries £98.94/£500
    Nov Challenges NSDs 9/10; Groceries £326.82/£300
Page 8
    • hazeldreams
    • By hazeldreams 27th Sep 16, 8:13 AM
    • 155 Posts
    • 342 Thanks
    hazeldreams
    OMG..I have been missing out on all your news..my loss! Aren't you doing well? Amazing energy..great to read, its just fizzing off the page

    We have been decluttering too..love it. Love it. I have a goal every month which we usually manage...

    Inside a kitchen cupboard (so less public I am afraid ) we have a picture of a series of bricks - in a wall pattern - where we cross off/score through one brick every month as another portion of our house becomes ours rather than the bank's...if they are really lucky the kids get to cross it off but I usually get in first
    Originally posted by brizzledfw
    Aww thanks brizzle! The words of encouragement mean so much especially coming from you with all you've achieved! I think the urgency around the timeframe left has made a real difference ...I've always been a last minute Larry! That coupled with the fact I've learnt to better deal with the balance between wanting the debt gone yesterday (which leads to me eventually throwing my hands in air and throwing in the towel!) and realistic goal setting. Feb 2018 is still a huge stretch target but I can't (and won't) budge from that date despite the balance still outstanding!

    Love your wall/brick countdown it's perfect for clearing the mortgage! Will definitely borrow that idea when the debt is gone and we can move onto the mortgage!

    I still refer to Marie Kondos book you so kindly shared! Although I must confess I can never ever find the time to do the whole declutter in one fell swoop which appears to be what keeps others successful at maintaining a clutter free lifestyle! Btw, happy to return the book anytime just let me know if you need it back xx
    Last edited by hazeldreams; 27-09-2016 at 8:18 AM.
    £2638.55 to clear by 24/2/2017 when 0% ends
    £28,012.91/£74146.41(start 1/9/14) 37.7% paid off
    Current balance: £46,133.50
    DFD target February 2018
    Dec Challenges: NSDs 2/10; Groceries £98.94/£500
    Nov Challenges NSDs 9/10; Groceries £326.82/£300
    • hazeldreams
    • By hazeldreams 27th Sep 16, 8:15 AM
    • 155 Posts
    • 342 Thanks
    hazeldreams
    Love this.
    Originally posted by brizzledfw
    Thanks again! It is really working having that positive post to refer to...I've gone back over it at least 4 times since the journey restarted!
    Last edited by hazeldreams; 27-09-2016 at 8:16 AM. Reason: Spelling/grammar
    £2638.55 to clear by 24/2/2017 when 0% ends
    £28,012.91/£74146.41(start 1/9/14) 37.7% paid off
    Current balance: £46,133.50
    DFD target February 2018
    Dec Challenges: NSDs 2/10; Groceries £98.94/£500
    Nov Challenges NSDs 9/10; Groceries £326.82/£300
    • hazeldreams
    • By hazeldreams 27th Sep 16, 5:20 PM
    • 155 Posts
    • 342 Thanks
    hazeldreams
    512 days to go ...
    Hello!

    Dfw daily activities continue in earnest ...

    - no expensive coffees bought at work
    - lunch taken to work
    - £29.99 to be refunded from a faulty item which we can live without replacing
    - YNAB updated with outgoings for October

    3 sleeps until sig will be in the 40's
    £2638.55 to clear by 24/2/2017 when 0% ends
    £28,012.91/£74146.41(start 1/9/14) 37.7% paid off
    Current balance: £46,133.50
    DFD target February 2018
    Dec Challenges: NSDs 2/10; Groceries £98.94/£500
    Nov Challenges NSDs 9/10; Groceries £326.82/£300
    • hazeldreams
    • By hazeldreams 30th Sep 16, 6:59 AM
    • 155 Posts
    • 342 Thanks
    hazeldreams
    Hello 40's

    Sig updated
    £2638.55 to clear by 24/2/2017 when 0% ends
    £28,012.91/£74146.41(start 1/9/14) 37.7% paid off
    Current balance: £46,133.50
    DFD target February 2018
    Dec Challenges: NSDs 2/10; Groceries £98.94/£500
    Nov Challenges NSDs 9/10; Groceries £326.82/£300
    • hazeldreams
    • By hazeldreams 1st Oct 16, 8:12 AM
    • 155 Posts
    • 342 Thanks
    hazeldreams
    508 days to go...
    Morning!

    We're up bright and early in the hazel household today. Brand new extra curricular activity starting today for DD1 and DD2 and MUCH cheaper than the old one so fingers crossed they like it!

    Plans to update our beautiful wall chart this morning with the fact we've dipped under £50k too - how exciting

    I've a busy morning with orders from the s/e income stream (it's dwindling but struggling to let down the stay hard regulars, so figured it would just be easier to keep going with a couple until they dwindle away over time), but will be a nice £40 earned when they come to collect. It's going straight to the "date night" fund for hubby and I tonight - just a curry and pint at the local, nothing extravagant but much needed time alone together! Plus one more of the "MUST-DO'S" (MUST DO number 4!) ticked off the list on the first day of the month ain't bad! We've already ticked off MUST DO number 1 and cleared £2033 off the debt

    Will start work on MUST DO number 5 today and tomorrow too - but its a big job so doubt we'll be finished. I'll tackle the wardrobes but will task hubster with the job of finishing hanging up trinkets on DD's walls that have recently been painted. Also need to book in 2 quality family dates to an NT site - if we don't book it in now it ain't happening!!! Also going to try our very best for an NSD on Sunday

    Therefore to do list this weekend is thus;

    - start to clear our wardrobes out and ebay/CS the garments that we no longer need/use
    - hubby to finish hanging pictures/trinkets on DDs walls
    - book in diary two family days out
    - NSD on Sunday

    Feeling organised and in control! Will pop back tomorrow and update on our progress!

    Have a lovely weekend everyone!
    £2638.55 to clear by 24/2/2017 when 0% ends
    £28,012.91/£74146.41(start 1/9/14) 37.7% paid off
    Current balance: £46,133.50
    DFD target February 2018
    Dec Challenges: NSDs 2/10; Groceries £98.94/£500
    Nov Challenges NSDs 9/10; Groceries £326.82/£300
    • hazeldreams
    • By hazeldreams 3rd Oct 16, 9:24 AM
    • 155 Posts
    • 342 Thanks
    hazeldreams
    506 days to go!
    Morning!

    So yesterday wasn't a resounding success in terms of the mini goals I'd set, however we did have a very welcome distraction in the form of our three year old niece who we looked after all day as my sister had come down with the flu!

    So we (happily) swapped clearing wardrobes and hanging wall furniture for making chocolate chip cookies, playing hospitals and visiting the local park!

    We did however manage the following;
    - date night which was fabulous and much needed. Good food, good wine and a DD free night (was delighted to wake up to a £25 lotto win on Sunday too meaning curry was effectively paid for-bonus!)
    - DD2 updated our wall chart; looks great now it's below 50k
    - we booked our two NT dates
    - NSD#1 on Sunday

    Today's aim is to get through work with no spends making it NSD 2/5 which would be rather lovely

    Happy Monday folks!
    £2638.55 to clear by 24/2/2017 when 0% ends
    £28,012.91/£74146.41(start 1/9/14) 37.7% paid off
    Current balance: £46,133.50
    DFD target February 2018
    Dec Challenges: NSDs 2/10; Groceries £98.94/£500
    Nov Challenges NSDs 9/10; Groceries £326.82/£300
    • brizzledfw
    • By brizzledfw 3rd Oct 16, 11:14 PM
    • 6,295 Posts
    • 29,985 Thanks
    brizzledfw
    Looking good Hazel....the positivity is still strong, great to see

    Xx
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    New debt: £10,000 0% ;
    Declutter 50 items before 31.12.16 xx/50 ** LSDs Target 10 for December xx/10 **AFDs xx/17
    **NSDs Target 6 for December xx/6
    • hazeldreams
    • By hazeldreams 4th Oct 16, 5:05 PM
    • 155 Posts
    • 342 Thanks
    hazeldreams
    Looking good Hazel....the positivity is still strong, great to see

    Xx
    Originally posted by brizzledfw

    Thanks Brizzle!
    £2638.55 to clear by 24/2/2017 when 0% ends
    £28,012.91/£74146.41(start 1/9/14) 37.7% paid off
    Current balance: £46,133.50
    DFD target February 2018
    Dec Challenges: NSDs 2/10; Groceries £98.94/£500
    Nov Challenges NSDs 9/10; Groceries £326.82/£300
    • hazeldreams
    • By hazeldreams 4th Oct 16, 5:11 PM
    • 155 Posts
    • 342 Thanks
    hazeldreams
    505 days to go...
    Afternoon!

    Just a quick update!

    - didn't manage NSD yesterday as we ran out of butter and stamps but managed one today to make up for that!
    - no expensive coffees bought at work
    - brought lunch from home
    - walked instead of getting bus to train station saving £2:30

    Going to try and sort car insurance tonight and fingers crossed earn some cash back or at the very least find a saving on last years premium!

    Wish us luck!
    £2638.55 to clear by 24/2/2017 when 0% ends
    £28,012.91/£74146.41(start 1/9/14) 37.7% paid off
    Current balance: £46,133.50
    DFD target February 2018
    Dec Challenges: NSDs 2/10; Groceries £98.94/£500
    Nov Challenges NSDs 9/10; Groceries £326.82/£300
    • luffa
    • By luffa 4th Oct 16, 5:46 PM
    • 19 Posts
    • 18 Thanks
    luffa
    I love your optimism, I'm so down now, happy to read your diary.
    • hazeldreams
    • By hazeldreams 5th Oct 16, 5:42 PM
    • 155 Posts
    • 342 Thanks
    hazeldreams
    I love your optimism, I'm so down now, happy to read your diary.
    Originally posted by luffa
    Hi luffa

    Thanks for your message I'm glad you like my optimism, but it isn't always this way!

    So sorry to hear you're so down at the mo, I've been there and it's horrendous. I can see that you're new here - if you haven't already, read the sticky on the debt forum page it has tons of useful guidance no matter what your situation. If there's anything you really need help with then post a diary or ask a question, you'll be amazed at how much response and help you get and you'll feel so much better when you realise you're not alone.

    I still go through ups and downs and I know I'll have more to come but I've just got better at recognising what brings me down and keeps me up to manage it better! Posting on my diary is the difference for me, it keeps me focussed.

    No matter how you feel there is help out there xx
    Last edited by hazeldreams; 05-10-2016 at 11:02 PM.
    £2638.55 to clear by 24/2/2017 when 0% ends
    £28,012.91/£74146.41(start 1/9/14) 37.7% paid off
    Current balance: £46,133.50
    DFD target February 2018
    Dec Challenges: NSDs 2/10; Groceries £98.94/£500
    Nov Challenges NSDs 9/10; Groceries £326.82/£300
    • hazeldreams
    • By hazeldreams 5th Oct 16, 5:50 PM
    • 155 Posts
    • 342 Thanks
    hazeldreams
    504 days to go
    Evening!

    Bit of a spendy day today -bus to work due to a ridiculously heavy bag, lunch out with a work colleague who is leaving, plus a gift to buy on the way home from work and pictures tonight to cheer up my sister and a friend! All within my spending budget though and accounted for on YNAB.

    So my positive updates are a little light today!

    - YNAB updated in full
    - packed lunch at work
    - 20% off voucher used to purchase gift
    - 3 for 2 on cinema tickets


    No reason I can think of why tomorrow won't be back to normal though, so onwards and downwards!

    H x
    Last edited by hazeldreams; 05-10-2016 at 11:03 PM.
    £2638.55 to clear by 24/2/2017 when 0% ends
    £28,012.91/£74146.41(start 1/9/14) 37.7% paid off
    Current balance: £46,133.50
    DFD target February 2018
    Dec Challenges: NSDs 2/10; Groceries £98.94/£500
    Nov Challenges NSDs 9/10; Groceries £326.82/£300
    • hazeldreams
    • By hazeldreams 6th Oct 16, 5:11 PM
    • 155 Posts
    • 342 Thanks
    hazeldreams
    503 days to go ......
    Bridget Jones' baby was HILARIOUS! You absolutely must go see it if you haven't already! We all laughed so much!

    Anyway, back to the financials!

    After the spendy day yesterday we're back on track today;

    - NSD#2 today
    - YNAB up to date
    - no expensive coffees bought at work
    - lunch brought into work
    - walked to work rather than paying out £2.30 bus fare

    Happy days
    £2638.55 to clear by 24/2/2017 when 0% ends
    £28,012.91/£74146.41(start 1/9/14) 37.7% paid off
    Current balance: £46,133.50
    DFD target February 2018
    Dec Challenges: NSDs 2/10; Groceries £98.94/£500
    Nov Challenges NSDs 9/10; Groceries £326.82/£300
    • hazeldreams
    • By hazeldreams 10th Oct 16, 9:41 AM
    • 155 Posts
    • 342 Thanks
    hazeldreams
    499 days to go.....
    Eek! We've dipped below 500 days...another milestone!

    We've been struggling with autumn colds in the Hazel household this weekend but some good money saving activities still took place!

    -cleaned out the shed and listed 6 items on eBay, 2 already have bids on
    -enjoyed a day at a lovely NT site yesterday with the kids, we took a picnic and some ice cream and therefore swerved the expensive ice cream and treats on site
    -had a lovely Sunday chicken dinner using half of the chicken cooked last week which we'd frozen. It saved time but more importantly ordinarily we'd have just picked at the leftovers until halfway through the week then thrown it in the past, such a waste!

    This was balanced out by a few spends though but in the main they were frugal! Spends included a Christmas present for the father in law and a school friends birthday as well as a meal from the place we parents hate but kids love (think Golden Arches!) but even those used vouchers so can't complain!

    Want to aim for an NSD tomorrow, today I need some essential toiletries!

    Happy Monday folks!
    £2638.55 to clear by 24/2/2017 when 0% ends
    £28,012.91/£74146.41(start 1/9/14) 37.7% paid off
    Current balance: £46,133.50
    DFD target February 2018
    Dec Challenges: NSDs 2/10; Groceries £98.94/£500
    Nov Challenges NSDs 9/10; Groceries £326.82/£300
    • hazeldreams
    • By hazeldreams 14th Oct 16, 6:09 PM
    • 155 Posts
    • 342 Thanks
    hazeldreams
    495 days to go....
    Evening!

    Another week has flown by! It's been as busy as ever but the MSE activities continue! Here's a summary of the last few days!

    - £380.76 haggled off full sky tv package for the year (cannot get hubster to drop it so this is better than nothing!)
    - £46 saved on last years car insurance renewal quote
    - enjoyed a free elemis facial!
    - did loads of research into bulk buying using this fab forum and discovered on the whole ALDI is well cheap (we already shop here) but could save more on toiletries at wilko. Also found out I can save a ton (between 4-11%) at various retailers I use such as Argos, boots, wilko, toys r us through a work benefits site. All of this will hopefully drive down grocery shopping which we still battle with
    - achieved another NSD (that's 3 so far this month)

    All in all a really good week!

    Happy Friday!
    £2638.55 to clear by 24/2/2017 when 0% ends
    £28,012.91/£74146.41(start 1/9/14) 37.7% paid off
    Current balance: £46,133.50
    DFD target February 2018
    Dec Challenges: NSDs 2/10; Groceries £98.94/£500
    Nov Challenges NSDs 9/10; Groceries £326.82/£300
    • hazeldreams
    • By hazeldreams 18th Oct 16, 5:52 PM
    • 155 Posts
    • 342 Thanks
    hazeldreams
    491 days to go...
    Note to self..must try to post more frequently again! Standards are slipping!!

    Despite the reduced frequency of posts MSE habits continue. Here's the last few updates;

    - made £92 on eBay sales following the big clear out last weekend
    - NSD#3 today
    - walked instead of getting bus today and yesterday
    - no expensive coffees at work so far this week
    - heating still not on at home (hot water bottles have sufficed so far)
    - ordered the discount cards for Tesco's, Sainsbury's etc for brought work and saved between 4-11%


    Lots on to do list though - got to start the Xmas shopping but just dreading it!!

    £2638.55 to clear by 24/2/2017 when 0% ends
    £28,012.91/£74146.41(start 1/9/14) 37.7% paid off
    Current balance: £46,133.50
    DFD target February 2018
    Dec Challenges: NSDs 2/10; Groceries £98.94/£500
    Nov Challenges NSDs 9/10; Groceries £326.82/£300
    • hazeldreams
    • By hazeldreams 20th Oct 16, 9:27 AM
    • 155 Posts
    • 342 Thanks
    hazeldreams
    489 days to go....
    Morning!

    Really looking forward to half term! Girls and I are so exhausted! I'm thinking a discounted cinema trip and a couple of visits to NT sites for Halloween activities is in order! Keeping it cheap and cheerful!

    Regular MSE activities continue!

    - mobile charged at work
    - last night and tonight's dinners are use ups from fridge
    - walked to work saving bus fare
    - central heating still not on...yet!
    - YNAB up to date and planned through to Feb to ensure we hit deadlines for when 0% runs out
    - lunch brought in to work everyday
    - meals planned for this week but freezers and cupboards are running very bare!
    - resisted the urge to book a break in a log cabin with a hot tub for Jan. Hubster was amazing at being objective and reminding me of how important it is to me to clear this debt by Feb 2018 and helping me understand that booking a break like that would push the date out further-was super proud of us both for dodging that mistake!

    Just 2 days to get through then a week off!
    £2638.55 to clear by 24/2/2017 when 0% ends
    £28,012.91/£74146.41(start 1/9/14) 37.7% paid off
    Current balance: £46,133.50
    DFD target February 2018
    Dec Challenges: NSDs 2/10; Groceries £98.94/£500
    Nov Challenges NSDs 9/10; Groceries £326.82/£300
    • hazeldreams
    • By hazeldreams 28th Oct 16, 9:25 AM
    • 155 Posts
    • 342 Thanks
    hazeldreams
    481 days to go ....
    Back to work today but I've had such an awesome week with the DDs! OH has them today-they've just dropped me at the station and now they're going for breakfast and then to a NT site for Halloween fun!

    We've packed so much into 4 days! We've had a meal out with family, a trip to the cinema, friends over to play and pumpkin carving with a trip to Golden Arches afterwards! It's not been the cheapest week we could've had but for once I don't feel guilty as we've done so well with the debt over the last 2 months!

    The break from work has been good to give me chance to get organised for Xmas too...I've now bought all presents (and wrapped them) for family and friends -ive just got the OH and girls to get for but everyone is clear we're limiting our budget and squeezing our belts tighter this year.

    MSE habits continued this week with earnest;

    - chopped and froze in portions all veg that would've gone to waste
    - made mushroom soup with leftover mushrooms (got this for lunch at work today)
    - sold more eBay items following our "big clear out mission" we've now sold £194 worth of stuff this month! All of it has gone towards Xmas
    - purchased a bumper stock of reduced meat and fish by accidentally being in sainsbobs at the right time! Grocery budget blown as a result but the empty freezer is now bursting at the seams and we'll not need to buy any more meat or fish for at least a month! In addition to getting the haul of yellow stickers I got 5% off through using my work discount scheme! Happy days!
    - all Xmas presents bought using works discount scheme and combined with other offers like 25% off clothing at sainsbobs and 20% off at M&S,
    - Researched how to bulk buy and reduce shopping bill further. Found a lot of household items like loo roll cheaper elsewhere and have purchased a months supply of said items using works discount scheme. Again this months budget blown but a saving of at least 25% made
    - still no heating on! It's unusually mild here at the mo!


    All in all everything is going well but overspent on groceries by just over £100 due to yellow sticker hoard and bulk buying but I'm hopeful this will mean less spends in November and we can finally get below £400 grocery budget for the month! I think hitting our magic £2033 debt clearance target will be tough in November with Xmas looming but we're working hard to get as close as possible to it!

    Man that was an extraordinarily long post but lots to catch up on this week!

    Happy Friday everyone!
    £2638.55 to clear by 24/2/2017 when 0% ends
    £28,012.91/£74146.41(start 1/9/14) 37.7% paid off
    Current balance: £46,133.50
    DFD target February 2018
    Dec Challenges: NSDs 2/10; Groceries £98.94/£500
    Nov Challenges NSDs 9/10; Groceries £326.82/£300
    • hazeldreams
    • By hazeldreams 2nd Nov 16, 6:46 PM
    • 155 Posts
    • 342 Thanks
    hazeldreams
    476 days to go....
    Driving down the debt mountain continues....

    Payday has come and gone and we're under the £2033 target this month by £175 roughly but I'm not too fussed as we've got Christmas and birthdays coming up so that could've been way worse!

    MSE activities continue...

    - 2 NSDs this week already!
    - managed to eek out my foundation for two extra weeks by cutting the bottle in half and scrapping out the dregs!
    - no expensive coffees at work and lunch brought in every day (leftover Spanish tortilla today yum)
    - mobile charged at work
    - still walking and saving bus fare
    - bought a charity shop work top instead of a new one
    - heating still not on but temperature has dropped so not sure how much longer I can keep this going!
    - 13 active eBay items which will hopefully sell


    Off to update our sig!
    £2638.55 to clear by 24/2/2017 when 0% ends
    £28,012.91/£74146.41(start 1/9/14) 37.7% paid off
    Current balance: £46,133.50
    DFD target February 2018
    Dec Challenges: NSDs 2/10; Groceries £98.94/£500
    Nov Challenges NSDs 9/10; Groceries £326.82/£300
    • hazeldreams
    • By hazeldreams 7th Nov 16, 10:23 AM
    • 155 Posts
    • 342 Thanks
    hazeldreams
    471 days to go...
    Weekend Update:
    - bonfire night (spendy)
    - birthday meal out for a family birthday (v. spendy)
    - 9 eBay sales (but got a bill from eBay for £22 in fees!!Shocking!!!)
    - 8 items to charity shops
    - last cupboards are decluttered and cleaned


    It's been a busy one and mixed one on the spending front but on the whole really enjoyable so can't complain too much!

    Planning to go for 3 NSDs in a row minimum to hopefully recover a little from the spendy weekend as although I had budgeted for it we did overspend a fair bit and therefore need to be extra careful to not do that again this month!

    Got my lunch with me as usual today and fridge and freezers are full so reigning in the spending this week should be relatively easy!

    Happy monday!
    £2638.55 to clear by 24/2/2017 when 0% ends
    £28,012.91/£74146.41(start 1/9/14) 37.7% paid off
    Current balance: £46,133.50
    DFD target February 2018
    Dec Challenges: NSDs 2/10; Groceries £98.94/£500
    Nov Challenges NSDs 9/10; Groceries £326.82/£300
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