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Will I ever get out of debt?....This time..Maybe :-/
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Good luck Steph!
Thanks Bobarella xxGood luck with your new start. I have a couple of thoughts.
1) you may not have reached your target, but you halved your debt, which I think is amazing in itself. Maybe this time you should focus on a more achievable goal which will allow some leeway.
Your projects, like the wreaths and treatments were great. Okay, they may not have made you rich, but at least you tried something. That takes a lot of guts and shows determination and a bit of fun thrown in.
Hi Chanie,
Thanks so much for your kind words, I suppose I am a trier :rotfl:.
Hoping now I have got an actually proper job I will be able to make a real difference to the debt. There was no way I could earn £800 making crafts or any of the other hair brained ideas I had.
I might try to do my Christmas wreaths again this year if I can, because they sold well and were definitely worth the effort.
Just going to be a long wait until the end of each month to get my wages and feel like I am starting to move the needle abit
Hope all is well with you xxxx0 -
Loving the new diary Steph...we all really missed you!! Congratulations on the new job..I think it's the one thing that will make a huge difference to getting the debt cleared because no matter how frugal we are, increasing our income is a huge part of the equation. Well done Mrs. XoCredit card £4461.15Home mortgage £137117Buy to let mortgage £83,0000
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Hey Steph,
Happy new diary!
You have had so much on this year it's no wonder you let the diary slip, I am sure we can all let you off with that due to the circumstances.
Congratulations on your new job :T you must be so excited to get started & paying that amount off your debt. You will see it go down in no time.
You did good giving those money making ideas a go, good for you. Doesn't matter that they didn't work, at least you gave it a good go anyway!
I love Christmas wreaths, even if it is seasonal you could end up with a good number of people wanting to order year after year so I would keep that going.
Dxxx0 -
wantabetterlife wrote: »Loving the new diary Steph...we all really missed you!! Congratulations on the new job..I think it's the one thing that will make a huge difference to getting the debt cleared because no matter how frugal we are, increasing our income is a huge part of the equation. Well done Mrs. Xo
Hi Wantabetterlife,
How are things with you? You are so right about raising the income. Dh's wages manage to pay for everything (just!) , but a few small overspends or unexpected bills always send us into a tailspin, so I see my wages as being abit of a safety net, that if the car blows up or something is desperate then we will have that extra bit to fall back on at the end of each month. I really really want to just push it all towards paying off the debt first though.
Hope to catch up with your diary soon xxxDeleted_User wrote: »Hey Steph,
Happy new diary!
You have had so much on this year it's no wonder you let the diary slip, I am sure we can all let you off with that due to the circumstances.
Congratulations on your new job :T you must be so excited to get started & paying that amount off your debt. You will see it go down in no time.
You did good giving those money making ideas a go, good for you. Doesn't matter that they didn't work, at least you gave it a good go anyway!
I love Christmas wreaths, even if it is seasonal you could end up with a good number of people wanting to order year after year so I would keep that going.
Dxxx
Hi Dolly
Thanks for finding me. I have really missed checking in here, but I was giving Father in law medication through a stomach tube every 2 hours, plus managing family life and a smallholding so life was more than a little manic.
It has really made me appreciate my home life now though, it is very hard nursing someone and them living in your home, just no time to relax properly.
Hope all is well with you xxxx0 -
I can only imagine, it must have been such a stressful time for you.
Dxxx0 -
Yay to the new diary Steph. Well done on the job too :j xxMummytogirls x0
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Cor blimey you have been a busy bee under horrible circumstances! Well done you for getting through it all!
Massive congrats on the job that's fantastic. It will make all the difference. What's the plan? £700 to debts and £100 to emergency fund? I'm not preaching - I'm trying to learn budgeting from others. I am terrible for only paying off debt and not saving at all. Something I'm going to broach as soon as possible.
Keep it up xxxxLoan 1 £5200/£8000
Loan 2 £300/£5800
Total £5500/£138000 -
Hello Steph, lovely to see you I have often wondered how you are. Well done on the job, a year flies by. Looking forward to the journey.0
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Good to see you back its only 3 months to the wreath making season !
cone collecting underway.
so glad you got yourself a job I think it will be a good thing for you because you are doing something for yourself .good luck0 -
Lovely to see you back. Sorry things have been rubbish for you this year. X
Looking forward to reading about your debt busting. Good luck with the job. XDMP started Jan 09 £55,509.29 :eek: current balance is £21,482.49p:(0
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