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  • FIRST POST
    • jvr
    • By jvr 3rd Oct 16, 11:17 AM
    • 84Posts
    • 235Thanks
    jvr
    Changing habits, wanting freedom
    • #1
    • 3rd Oct 16, 11:17 AM
    Changing habits, wanting freedom 3rd Oct 16 at 11:17 AM
    So finally looking at starting a diary, need something to keep me on track! So debt stands at 5,481.43 was originally about 6,000 6 months ago. It’s a mixture of spending due to buying our first house and not adjusting to me being on a much lower income down about 10,000 a year.
    So I am 27 and live with my OH and two dogs and one cat. We want to think about having children soonish and the debt needs to be gone. Complications are due to the fact my OH is
    from SA, every two years we have had about 2,000 to pay out for visa’s we also have to send money back to SA to family over there. Luckily the next visa in 2.5 years time will be for citizenship but could cost about 3,000.

    1 year ago I quit my well paid but horrendous job and started working in admin and a horrifying low wage but without any of the stress. I’m a bit bored now but love my team and organisation so hopeful that I can change my role within the team and have it be a bit more interesting and more money!! Between me and OH we earn just under 40,000 a year so where the hell does it go!?
    Things holding us back – my OH is terrible with money (not that I am perfect) although he is getting better its hard. We also both smoke….. Switched to role ups and have halved the costs but still for our bank balance/ health and hope to have kids we have to stop this. My mental health is also a bit of a problem with on and off depression and anxiety making things tricky.
    I control our spending except for OH’s allowance which he often runs out of far too early considering how much he gets. For last 3 months have stopped putting anything on cards, have redecorated down stairs without making more debt and have paid off about 100 a month. Also started a savings account for Christmas and OH’s car insurance next year in hope to not spend ages paying debt just to get back into it when a big bill comes along! Did all the switching energy suppliers etc to save money but just seems to end up in black hole. Also started cycling to and from work which saves on bus fair and is good for health!
    Other big expense is I am have driving lessons at the moment which is holding back the debt repayment and feeling frustrating but has to be done if hope to get this other job ~(and just because in life it is good idea!!)
    Been reading lots of diarys and found so many people inspiring yet I still seem to run through money with nothing to show for it…. So hoping this will keep my on track!
    Credit cards: £-6000 now £-5100 aim to be debt free (ignoring mortgage and student loans) by Dec 2017 mini aim of under £5000 debt by Christmas! Savings pot for car insurance and Christmas £0
Page 1
    • Dolphin1
    • By Dolphin1 3rd Oct 16, 1:02 PM
    • 680 Posts
    • 2,325 Thanks
    Dolphin1
    • #2
    • 3rd Oct 16, 1:02 PM
    • #2
    • 3rd Oct 16, 1:02 PM
    Well done for starting the diary, very good luck with the debt-busting and the numerous other things you have going on! I have subscribed to offer my support where I can.
    • joeyjimbles
    • By joeyjimbles 3rd Oct 16, 5:57 PM
    • 1,495 Posts
    • 7,054 Thanks
    joeyjimbles
    • #3
    • 3rd Oct 16, 5:57 PM
    • #3
    • 3rd Oct 16, 5:57 PM
    Well done on getting started with your own shiny new diary - and it didn't cost you a penny.

    Pom poms at the ready to cheer you on.
    • jvr
    • By jvr 4th Oct 16, 8:25 AM
    • 84 Posts
    • 235 Thanks
    jvr
    • #4
    • 4th Oct 16, 8:25 AM
    • #4
    • 4th Oct 16, 8:25 AM
    Thanks Joey & Dolphin!
    So having a bit of a hard time at the moment so trying to set myself small goals after work to keep the house going – OH works very long odd hours so can’t help much day to day.
    Managed to cook myself food even if it was just shoving a chicken pastry thing from aldi in the oven and get dishwasher filled and emptied and dogs had crazy run around in garden, glad the weather was okay as couldn’t face getting them out on a walk. OH is off today so he can look after them today – he also has an interview for promotion that would be amazing better money and we could actually have a full day off together every week!
    Money wise NSD – brought my lunch and breakfast from home, went to yoga on my lunch which I had a 10 class pass for. Thinking of getting the membership which is £45 a month – a lot of money! But I am now going four times a week on my lunch breaks and it is massively helping with mood still less than what I used to pay monthly for bus fair – but should I be paying for something which is essentially a luxury when I am in debt :/
    Credit cards: £-6000 now £-5100 aim to be debt free (ignoring mortgage and student loans) by Dec 2017 mini aim of under £5000 debt by Christmas! Savings pot for car insurance and Christmas £0
    • Honey Bear
    • By Honey Bear 4th Oct 16, 10:58 AM
    • 3,887 Posts
    • 39,805 Thanks
    Honey Bear
    • #5
    • 4th Oct 16, 10:58 AM
    • #5
    • 4th Oct 16, 10:58 AM
    Good luck with the debt-busting, JVR.
    Keeping it AF
    • jvr
    • By jvr 4th Oct 16, 11:20 AM
    • 84 Posts
    • 235 Thanks
    jvr
    • #6
    • 4th Oct 16, 11:20 AM
    • #6
    • 4th Oct 16, 11:20 AM
    Thanks Honey Bear, how are you doing?
    Credit cards: £-6000 now £-5100 aim to be debt free (ignoring mortgage and student loans) by Dec 2017 mini aim of under £5000 debt by Christmas! Savings pot for car insurance and Christmas £0
    • jvr
    • By jvr 5th Oct 16, 8:51 AM
    • 84 Posts
    • 235 Thanks
    jvr
    • #7
    • 5th Oct 16, 8:51 AM
    • #7
    • 5th Oct 16, 8:51 AM
    Morning
    So yesterday was good took my lunch and breakfast, cycled in and used a free pass for yoga (keeps me busy and away from the shops in the city centre). OH had his interview and went really well so fingers crossed should find out if he gets in by Friday!! Because been struggling with feeling low suggested to OH we go out for dinner to get out of the house, nipped up to the pub up the road which is very cheap he had steak and I had half a chicken two glasses of wine for me and two craft beers for him and came to about £20 so pretty happy with that and definitely lifted my mood. We have decided we need to have a date night weekly as we hardly see each other and the two evenings we have off together we end up in same room not talking and doing different things. Will prob just be a drink up the road once a week as half decent glass of wine is about £2 so can easily have a trip on a tenner between us.
    Today I made porridge and brought it to work but didn’t make any lunch last night as sat down and watched a film after dinner so will grab something cheap and go in to town to pop a birthday check into the bank
    Still unsure whether to pay for monthly yoga, but think gonna go for it as it makes me feels so good?! Hmmm decisions
    Otherwise on track with money but have a night out coming up so will have to be careful – taxi’s and drinks add up, should get a hip flask and save a fortune!
    Credit cards: £-6000 now £-5100 aim to be debt free (ignoring mortgage and student loans) by Dec 2017 mini aim of under £5000 debt by Christmas! Savings pot for car insurance and Christmas £0
    • jvr
    • By jvr 6th Oct 16, 3:40 PM
    • 84 Posts
    • 235 Thanks
    jvr
    • #8
    • 6th Oct 16, 3:40 PM
    • #8
    • 6th Oct 16, 3:40 PM
    So just terrible spend day yesterday.. Hadn’t made lunch so went to a local caf! and got a panini (same price as going to the tesco and much nicer food) but decided to add a coffee on as well…. Then in evening a friend came and we walked the dogs which was lovely and she was taking a curry back home so then all I could think about was curry so me and OH spent £20 on a take away which is half our weekly food budget… not that there was anything left in the food budget because I did mammoth shop this week and the fridge and freezer are full!! Because we did that last night I didn’t make food to bring today for lunch but luckily a colleague lives round the corner and I got home made carbonara pasta.
    On worse money news OH got a parking ticket ages ago that we challenged and have lost the appeal so have £100 to pay luckily his MOT was only £62 so slightly less than expected.
    Really need to get a grip on finances just feels overwhelming
    Credit cards: £-6000 now £-5100 aim to be debt free (ignoring mortgage and student loans) by Dec 2017 mini aim of under £5000 debt by Christmas! Savings pot for car insurance and Christmas £0
    • Honey Bear
    • By Honey Bear 10th Oct 16, 11:10 AM
    • 3,887 Posts
    • 39,805 Thanks
    Honey Bear
    • #9
    • 10th Oct 16, 11:10 AM
    • #9
    • 10th Oct 16, 11:10 AM
    It's difficult knowing where to start to get to grips with dealing with spendy behaviour, isn't it? Have you tried reading the Grocery Challenge thread, particularly the first few posts which detail the carefully collated ideas that people have found work for them? Or, debt-busting blogs or diaries, including lovely Happy Now's from the beginning? I found doing all of those things helped me deal with bad habits one at a time, and cumulatively it's turned my life around.

    Regarding packed lunches, if you can't force yourself to make something every evening for the following day (as I found when I worked, just couldn't be bothered), my solution was to make all of the sandwhiches I'd need on the weekend, and then freeze them in individual cheapo bags. Buy one sliced loaf specially for the task, butter it, shove in cheese or ham, or whatever you'd like, and then freeze them. Be realistic about it - if you always have a round of sandwiches and then end up buying a snack at work, take two rounds and an apple (cheap at the moment).

    As for buying coffee .... I have a flask. It goes everywhere with me, including to bed, so that I can have a cup of tea in the morning without getting out of bed. Lovely. But seriously, if we're going out for a few hours, or the day, the flask comes with us every time. It would certainly go to work with me if I found myself buying coffees on work days. Wilkinson's are selling a big one for £4 at the moment, so not having two takeaway coffees would pay for it. Bargain.
    Keeping it AF
    • jvr
    • By jvr 11th Oct 16, 3:09 PM
    • 84 Posts
    • 235 Thanks
    jvr
    Hi Honey thanks!
    Yes it’s not like I’m buying crazy amounts of stuff or expensive things as we don’t have enough money, it’s all the little amounts that can by throwing me out by £100 each month. I’m doing budgets but not changing my behaviour so it all goes out the window. Will def look at the Grocery Challenge thread and found the diaries especially Happy’s really helpful… just can’t seem to find the commitment other people have to it all. Certainly not helped by mental health problems at moment, missed work yesterday and struggling.
    Did your suggesting and cooked a load of peppers and halloumi to go in wraps this week. Cheap and healthy but then had call last night that someone in my team’s birthday so going out for lunch to the pub. Only a team of three so can’t really bow out and only £6.95 for big lunch but didn’t actually have the funds for it.
    The flask is not a bad idea… don’t often buy coffees on work days as have so much in the office but other times I am out and about I do and it’s not like I even buy fancy coffee anyway so I just pay for the luxury of my normal coffee that I could have brought with me.
    Thanks for all your advice need to have a sit down and when I get paid work out how much I actually have for the next month as will be a little overdrawn. Will look at grocery thread – thinking of trying more veggie options to save money and its good for me….. and of course there is the stopping smoking issue!!
    Credit cards: £-6000 now £-5100 aim to be debt free (ignoring mortgage and student loans) by Dec 2017 mini aim of under £5000 debt by Christmas! Savings pot for car insurance and Christmas £0
    • jvr
    • By jvr 13th Oct 16, 7:51 AM
    • 84 Posts
    • 235 Thanks
    jvr
    So money feels a disaster so far this month… feel like just starting again on pay day 21st for me. Debts gone down not up so I guess that is the only plus even if savings put away are really just covering the amount have gone into overdraft
    Credit cards: £-6000 now £-5100 aim to be debt free (ignoring mortgage and student loans) by Dec 2017 mini aim of under £5000 debt by Christmas! Savings pot for car insurance and Christmas £0
    • Dolphin1
    • By Dolphin1 14th Oct 16, 7:35 AM
    • 680 Posts
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    Dolphin1
    Sorry jvr, I haven't been very supportive since you started your diary. I've had a few health problems over the last few weeks, not serious but frustrating nonetheless. I know what you mean about money being a disaster this month, I can't wait to start again on the 20th. We overspent on our holiday at the end of last month and I have been trying to catch up since. At least your debts are going down. Keep at it and you will notice a difference over time.

    What did you do about the monthly membership for yoga? Seemed pretty pricey to me but all that matters is whether you will use it enough to make it value for money, i.e. it will cost you less than the amount you have been paying for individual classes. Is the membership of a gym where you can use their other facilities?
    • jvr
    • By jvr 14th Oct 16, 8:00 AM
    • 84 Posts
    • 235 Thanks
    jvr
    Hi Dolphin, sorry to hear that I hope you’re feeling better soon! It’s hardly been riveting stuff so far!
    I haven’t got the membership yet which is good as not been able to go all week! It’s a lot of money but when I normally go 4 times a week it works out better value to get the membership. Come February when I have been a permanent member of staff for a year I will get £200 I can put towards it which would massively reduce it. I think I need to do it as it really helps me but I also have to recognise that health benefits aside it is a luxury and when feeling sorry for myself for having no money I need to recognise that I have chosen to spend that on myself in that way if that makes sense?
    I got a lift into work today with OH as working an event tonight so work will pay for a taxi home and I didn’t want to cycle into work and have to leave my bike here. I was sat thinking of the debt while OH stressed me out talking about the expensive car he should be allowed to buy (constant argument in our house) at moment still repaying my dad monthly for the car we have as he loaned us the money so that we wouldn’t pay interest. When we borrowed this money also borrowed an extra £700 to pay off the credit card……. Payed it off and since then have allowed it to grow to £6000 in 18 months, I was horrified when I realised. We just continued to live as if I had my old wage. Anyway no point beating myself up have now payed £600 off and have a little pot of savings towards car insurance etc that we normally put on a 0% card. I realised to get us out of this mess I couldn’t just focus on repaying the debt if come April would end up sticking a load more on……
    So my point was, sitting in the car I thought about my ridiculous budgets. Yes we probably can pay off the amount I would like to each month. But I normally pay off a chunk and then realise I don’t have enough to live on as I haven’t actually changed my habits or spending. So this month gonna pay off the minimum to debt at beginning and then focus on how I can save money all month and move it across to savings. I need to focus on changing the habits and spending.
    Pretty sure I should have had this epiphany 6 months ago when I began reading the diaries but better late than never!
    Credit cards: £-6000 now £-5100 aim to be debt free (ignoring mortgage and student loans) by Dec 2017 mini aim of under £5000 debt by Christmas! Savings pot for car insurance and Christmas £0
    • Honey Bear
    • By Honey Bear 17th Oct 16, 9:34 AM
    • 3,887 Posts
    • 39,805 Thanks
    Honey Bear
    It doesn't matter that you went out to lunch unexpectedly because the food was still there, ready for the following day, wasn't it? Meal planning would be a great place to start so that you only buy what you actually need each week, not what you think you might light in four days time. (It also stops that nagging feeling of 'What am I going to make for dinner tonight?' that used to plague me in the days before I finally managed, after literally years of struggling to find a way that worked for me.)

    The trick, JVR, is to pick one behaviour that you know would save you money and change that. Just one. If you're successful for a month, you can move on to the next thing, just one more, and work on that for a month. It takes time to turn a juggernaut around - we don't go from full throttle forwards to reverse in one movement, so don't expect it of yourself. Good luck with it.
    Keeping it AF
    • jvr
    • By jvr 18th Oct 16, 8:11 AM
    • 84 Posts
    • 235 Thanks
    jvr
    Had a very busy weekend, worked late at an event on Friday night, free food and drinks and taxi I can claim on expenses so fairly frugal, then on Saturday I went to my sisters engagement dinner and her fianc!s parents, they are very well off and we had delicious food and incredibly wine without spending a penny except for petrol, stayed at my sisters that night. But it went wrong the next day as we had pub lunch (£20 for me and OH) and due to hangover had a takeaway at night (£15) so that is £35 I didn’t have and didn’t need to spend. It’s spent now so trying not to beat myself up over it and just learn from the occasion, could have easily suggested we just had lunch at my sisters and made something simple for dinner. Hungover me is incredibly lazy it turns out. A good friend agreed to spend the night looking after our dogs so got her a bottle of wine and £10 for take away – all very worth it as the puppy is not 100% house trained yet so it is quite an ask for people to look after them.





    So food continues to be terrible – not just bad food for my health but bought lunches! Spent months brining it in every day and then with getting very down I seem to have lost the plot! So meal planning is my aim for this weekend ready for the next few weeks, OH will be eating dinner at home more so need to plan in around his shifts. Made a veggie stir fry last night (also planning on learning some veggie recipes to save some money) and made enough for lunch and then OH came home and ate it! He hardly eats at home so struggle planning it in – am amazed he ate something vegetation though with no complaints so it is a win of sorts! But it now means I have to buy lunch today – so I am going to buy some lettuce wraps and cooked chicken – will cost about £6 but I can keep it all at work for my lunches this week instead of spending £3 on lunch just for today and then the way I am going I could end up doing that every day this week.


    I think your right Honey I normally try and change every behaviour at once and then fail and completely stop. So cycling to work and back and yoga feel pretty easy and ingrained now so next step is food! Will meal plan and print off some veggie recipes, I often just through whatever I have together and although easy sometimes a bit boring and lacking in flavour I’m sure if it is tastier that it will help.


    I also have a big decision to make by Friday. I have been suffering with worsening depression for most of this year (has been a hellish year for family and a fall out with someone I was very close to due to them becoming a bully to someone else) for the first time ever (I have had ups and downs over the years) my doctor has asked if I would consider medication. I don’t know what to do, me and the OH have talked about trying for a baby at some point but what if I was still on medication? You have to be on it for 6 months after you feel better. Don’t want to put off having a child but also know I have to be better to do it as I know it makes everything harder. Change my mind min to min of what I want to do……..
    Credit cards: £-6000 now £-5100 aim to be debt free (ignoring mortgage and student loans) by Dec 2017 mini aim of under £5000 debt by Christmas! Savings pot for car insurance and Christmas £0
    • Dolphin1
    • By Dolphin1 18th Oct 16, 10:33 AM
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    Dolphin1
    jvr

    Well done on targeting the meal planning. This is one habit that I have got in to and it saves me a fortune despite the fact that I still spend a lot on food as whatever I make is always going to be cheaper than going out for a meal or getting a takeaway and it will almost always be more healthy too.

    I'm afraid that I have no advice to offer regarding taking medication for your depression as it is not something that I have suffered from but I really wish you good luck whatever you decide.
    • jvr
    • By jvr 19th Oct 16, 12:49 PM
    • 84 Posts
    • 235 Thanks
    jvr
    Hi Dolphin
    Save congratulations until the meal planning is actually done haha… printed off some tasty veggy recipes so will look at ingredients to grab them at the end of the week.
    Think I have decided to not go down the medication route yet. I have also been reading all the news stories about hormonal contraception and the effect this can have, so I think will talk to doctor about looking if that could be making a difference first. She is one of those doctors who would look at medication as a last resort… she has also signed me up for this online CBT thing which is offered now. Not as one on one but won’t be waiting 6 months to start. Really ready to try anything that might help.
    On money front spent £9 yesterday to get stuff for my lunches this week and will be enough to take home for weekend too def better than rubbish Mr T meal deals every day. Just had delivery from abel & Cole for veg and fruit plus meat and fish and the tastiest milk ever. Sadly couldn’t afford it every week although would like to look at more ethically sourcing our food – maybe if I manage to do mostly veggy I could look at it but they are doing great offer where you get discount on first box then £10 voucher for second, recipe book for third and the fourth box is free. Just got the little boxes but will be getting the largest one for the fourth! Used some of the veg to make a version of the Chicken pie from Joe Wicks Lean in 15 book which I am obsessed with – although is very meat centric.
    Other than that no spends, cycled in and out of work and got some general household stuff done after work – made myself a little schedule for the week as I am much more motivated if can cross a task of the list. Tonight I have left over dinner so just need to dog walk, put away all the dry clothes (we don’t iron unless absolutely have to) and tidy the spare bedroom. My plan is to get more done in the week so can enjoy my weekends more and get out and about – hopefully helping the depression.
    Feel almost positive today
    Credit cards: £-6000 now £-5100 aim to be debt free (ignoring mortgage and student loans) by Dec 2017 mini aim of under £5000 debt by Christmas! Savings pot for car insurance and Christmas £0
    • Dolphin1
    • By Dolphin1 20th Oct 16, 2:00 PM
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    Dolphin1
    You certainly sound very motivated in your last post. I really hope that the CBT works for you. As you know by now, I think it's marvellous although I did the one to one so I can't comment on the online CBT. Let us know how you get on.
    • jvr
    • By jvr 25th Oct 16, 11:21 AM
    • 84 Posts
    • 235 Thanks
    jvr
    Oooops bit of an absence!





    So since last Wednesday, having my daily tasks working really well and making me do small amounts each night so can enjoy my weekend! Had Friday off work spent small amount on a taxi to go to Dr and see my mum and then ended up helping her with getting stuff into the loft. OH finished at 5pm which is a lovely change from never being home before 9 so we made dinner and got on the sofa to watch a film! Perfect and cheap


    Saturday was less good…. Did some house stuff and then drove with the family over to see my grandparents, better than expected afternoon with them and then came back had dinner at my mums and met OH, a friend, my sister and her new bf in a bar. Arrived and realised had left my phone in the taxi. Frantically rang them and they said could speak to lost property tomorrow, eventually persuaded him to let me book the taxi so he could bring it back… half an hour in cold waiting and £5 to the taxi and I got it back! So not ideal but could have ended up a lot more expensive! Shared wine with my sister and OH had a few drinks so not hugely spendy evening but then have no money for anything really even though it was day after pay day. Ended up in my overdraft last month so paying that back is leaving me a bit short. Sunday was much cheaper, lovely dog walk and then my dad bought me lunch. Did a tesco shop for loads of house stuff we had run out off and ingredients for all my vegetarian plans. Spent £60 but considering what I got and that a lot of the spices etc I won’t need to buy again for a long while.


    I then made a lentil daal (not sure of spelling) a winter slaw to go in wraps, and my own falafels. Freezer still has so much meat in so have bean having vegetation lunches and meat with dinner with OH. Going well and saving pennies!


    Plans for this month:


    Use up all the meat in the freezer and try have more vegetarian meals


    Keep on with nightly jobs


    Keep up with bringing lunch to work


    Keep on cycling to and from work to save money


    NO takeaways!!





    So this is the plan, I have decided to get the yoga membership especially when discovered can be cancelled any time so as long as still going loads (going to a workshop on Saturday included in my membership )


    Applying for a different job at my work , would be more money if not should get a pay rise soon so should all help!


    Big expenses this month:


    OH going to Europe for couple of days (flights and hotel paid for by work)


    Me going to London to celebrate a v good friends 40th


    Another friends birthday next Saturday which me and OH both going to… he is more the concern as tends to spend A LOT … will remind him that his trip abroad should be priority





    Overall feeling much more positive even if still having quite difficult downs … waiting to hear still on CBT
    Credit cards: £-6000 now £-5100 aim to be debt free (ignoring mortgage and student loans) by Dec 2017 mini aim of under £5000 debt by Christmas! Savings pot for car insurance and Christmas £0
    • jvr
    • By jvr 28th Oct 16, 8:03 AM
    • 84 Posts
    • 235 Thanks
    jvr
    So the last couple of days have gone well! No spends extra for me OH just spent on petrol, playing football and then last night £10 without asking but on Ostrich steak and wine for us for dinner and a pizza for his lunch so I will forgive him as it was delicious. Spoke to him about how tight our budget is and since going out for a friends birthday Saturday night I need him to be cautious… he doesn’t have many nights out so can go a bit wild with spending on drinks. His pay rise should kick in next month, I have applied for another role at my work which would be more money and if I don’t get it I will be due a pay review, especially since I have seen a role advertised that is less work than mine for 2,500 more a year! To say I feel taken for granted right now is putting it lightly but ah well! Either way hoping we can be a couple of hundred better off a month.
    At moment I am paying only £100 a month off our debt, this is partly due to my driving lessons costing about £180 a month and trying to put some money aside for OH’s insurance next year. Half tempted to sell our car come then and get one of these deals with insurance included etc. Need to look into it to see if we could both be on insurance as may work out better with me being a new driver and OH driving quite a distance to work. We need something bigger than our lil thing as the dogs take up most of it and out holidays tend to be camping/ staying in pods meaning we take a lot of stuff. Will start researching but if anyone has any advice it would be appreciated?
    My new plan for doing bits of housework each night is going well so should be a nice easy weekend. I also bought a nose halter for our Rottweiler puppy last week as she pulls like mad on the lead and I realised I was beginning to dread walking her. Been brill since we got it, no pulling, she doesn’t particularly like having it on but at least I know it’s not hurting her or anything like that. Toilet training is still a slow process… fine now if we are in the house and overnight but coming home to mess every day is a bit draining.
    Still haven’t heard from CBT people so need to chase that and look at what nice veggy food I can make this weekend.
    Credit cards: £-6000 now £-5100 aim to be debt free (ignoring mortgage and student loans) by Dec 2017 mini aim of under £5000 debt by Christmas! Savings pot for car insurance and Christmas £0
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