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    • remote_control
    • By remote_control 16th Aug 16, 9:19 AM
    • 175Posts
    • 817Thanks
    remote_control
    Facing up and cracking on
    • #1
    • 16th Aug 16, 9:19 AM
    Facing up and cracking on 16th Aug 16 at 9:19 AM
    Hi

    We are in debt and we need to face up to it as I do not want it to define the next few years of our life.

    In a nut shell, we moved to a house that was slightly over budget and did a lot of DIY.

    Debt as of July 2016 £20,485.45

    We don't act like we're in debt, we just carry on as normal. I am hoping this diary will help to change this.

    Feel a bit scared and tearful posting this!

    Thanks in advance for your support!!
Page 3
    • remote_control
    • By remote_control 11th Oct 17, 7:34 PM
    • 175 Posts
    • 817 Thanks
    remote_control
    Thanks for the comments!! I really appreciate it. Yes we have achieved a lot I suppose, Debt is down £5k this year and we have done a couple of house projects without adding to the debt. It is that never ending conundrum of whether to work harder to pay off the debt quicker or live while you pay it off slowly. The latter is what we have been doing and largely I have been ok with that as we live within our means and can manage the minimum payments fine.

    I would like a bit of focus in the run up to Christmas though. I'm trying a 'look after the pennies' approach. I have taken food in to work the past couple of days which I am really pleased with myself about. I have also stopped snacking on biscuits/chocolate/cake etc and this is also saving me money as I'm sure I spend about a fiver each week grabbing these things when I'm out and about.
    • remote_control
    • By remote_control 11th Oct 17, 7:35 PM
    • 175 Posts
    • 817 Thanks
    remote_control
    BBC Good Food for students sounds great thanks!
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