Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • MrsSerious
    • By MrsSerious 29th Aug 17, 10:37 PM
    • 9Posts
    • 7Thanks
    MrsSerious
    No more messing
    • #1
    • 29th Aug 17, 10:37 PM
    No more messing 29th Aug 17 at 10:37 PM
    Hi,

    Been here before and don't seem to have made a whole heap of progress. Popping my debts in black and white right here so I can see some progress and be accountable.

    CC1 - £760
    Loan - £2200
    CC2 - £8600

    I have made a food budget and meal planned. Last month worked out better doing a weekly shop. I've tried monthly, tried home delivery but Aldi weekly with a few bits from Morrisons seems better on the budget.

    Next debt repayments 1st Sept = £439 will also do overtime to add more mid month.

    LBM I need to work overtime as much as poss to clear the debt and release the money currently channeled at debt. However LBM2 is living within my means thereafter. So why did that take so long to switch on?

    Fingers crossed, head down and !!!! up it's time to make this debt disappear
Page 1
    • Silence101
    • By Silence101 30th Aug 17, 7:30 AM
    • 294 Posts
    • 445 Thanks
    Silence101
    • #2
    • 30th Aug 17, 7:30 AM
    • #2
    • 30th Aug 17, 7:30 AM
    Good luck! Yes LBM 2 is a very necessary one!
    09/17 Shared Ownership 50% share - Mortgage £77500 Original MFW 2052
    10/17 OP £108.01 /£100 11/17 £312.22/£100
    • MrsSerious
    • By MrsSerious 1st Sep 17, 9:33 PM
    • 9 Posts
    • 7 Thanks
    MrsSerious
    • #3
    • 1st Sep 17, 9:33 PM
    • #3
    • 1st Sep 17, 9:33 PM
    So I love the 1st of the month and seeing money transfer to budgets and debt repayments.

    Paid £439 toward debt and cash flowed daughters school trip.

    Current debt total - £11,121 ��
    • MrsSerious
    • By MrsSerious 1st Sep 17, 9:40 PM
    • 9 Posts
    • 7 Thanks
    MrsSerious
    • #4
    • 1st Sep 17, 9:40 PM
    • #4
    • 1st Sep 17, 9:40 PM
    Aiming for lowest debt -Halifax to be paid October 2017. Just needed to say it out loud so it's gets done. ����
    • too_much_debt
    • By too_much_debt 3rd Sep 17, 9:53 AM
    • 3,179 Posts
    • 4,579 Thanks
    too_much_debt
    • #5
    • 3rd Sep 17, 9:53 AM
    • #5
    • 3rd Sep 17, 9:53 AM
    Good luck on your debt free journey!

    TMD
    Sealed Pot Challenge #64

    2017 - £76.80 so far
    • MrsSerious
    • By MrsSerious 5th Sep 17, 8:27 PM
    • 9 Posts
    • 7 Thanks
    MrsSerious
    • #6
    • 5th Sep 17, 8:27 PM
    • #6
    • 5th Sep 17, 8:27 PM
    Checking in. Enjoying a NSD and staying in grocery budget feels good.

    I have been listening to Dave Ramsay on his free podcasts on my way to work. Great motivation.x
    • MrsSerious
    • By MrsSerious 7th Sep 17, 9:56 PM
    • 9 Posts
    • 7 Thanks
    MrsSerious
    • #7
    • 7th Sep 17, 9:56 PM
    • #7
    • 7th Sep 17, 9:56 PM
    Super chuffed this week. Avoided 2 takeaway nights and made meals with leftovers. Nothing special but no spends so feeling great.

    Helping DH prep lunches. He tells me he spends £5 per day normally so this week £25 saved just him.

    NSD today.
    • MrsSerious
    • By MrsSerious 8th Sep 17, 10:34 PM
    • 9 Posts
    • 7 Thanks
    MrsSerious
    • #8
    • 8th Sep 17, 10:34 PM
    • #8
    • 8th Sep 17, 10:34 PM
    £200 overtime money paid to CC1

    £560 balance.

    Did a big 12hrs overtime today so looking to clear CC1 October and have DD1 birthday to fund.x
    • threepenny bit
    • By threepenny bit 9th Sep 17, 6:09 AM
    • 206 Posts
    • 1,694 Thanks
    threepenny bit
    • #9
    • 9th Sep 17, 6:09 AM
    • #9
    • 9th Sep 17, 6:09 AM
    You seem to be doing well - keep going!!!
    Grocery challenge - $150 for Oct 0/150 NSD 6/18
    1st challenge to pay CC (JV1) 0/$1850 updated
    Work on selling items and make $100 a month for the rest of this year /100
    • MrsSerious
    • By MrsSerious 10th Sep 17, 7:47 PM
    • 9 Posts
    • 7 Thanks
    MrsSerious
    Loan update £2200 now £2087
    CC1 update £760 now £ 560

    Really want rid of the CC1 debt in October.x
    Last edited by MrsSerious; 10-09-2017 at 7:50 PM.
    • MrsSerious
    • By MrsSerious 4th Oct 17, 5:44 AM
    • 9 Posts
    • 7 Thanks
    MrsSerious
    CC1 busted!!!!

    Got up early to transfer the overtime pay and slayed that card. One down. Cutting up that card and no more credit.

    Next in sight loan currently standing at £1948. I'm aiming to get rid of this before 2018. Already putting potential barriers up e.g. Xmas reasoning why I might not succeed but this would be an amazing achievement if I could do it.

    I'm working as much overtime as I can to throw at debt.

    Keep your fingers crossed for me.xx
    • Skye17
    • By Skye17 4th Oct 17, 6:36 AM
    • 18 Posts
    • 20 Thanks
    Skye17
    Well done on clearing you CC.
    October 2017
    Barclaycard - £2891.00/£0.00
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

4,944Posts Today

8,859Users online

Martin's Twitter