Amy and Jon bite the bullet to get debt free.....

Bargainfinder_3

I get my powder bulk from Costco as my mum has membership, yay:) it lasts me a year at £20... seriously!!

amyandjon

Hey bargin im alive just done 30 mins on the cross trainer hehe another 30 mins to go ive reached my hour for the day..... hows your day, ive joined the snowballer so i can store all my potentials hehe hehe hehe what powder is it ??? i may joing costco then :S im actually impressed with sainsburys own its pretty good..... :P

supersavershal

The tesco fabric conditioner is as good as comfort and cheaper.The OS boards suggest adding white vinegar but i tried this and I could definitly smell a faint vinegary smell on my clothing.
You will be a band 6 soon, I got mine 2 years after qualifying, just do all the free courses that you can, be a bit bossy and update your ksf regulary, put yourself forward for everything.
well done on the cross trainer, im not doing too good this week with SW il try to get back on track.
I love the snowba

supersavershal

The tesco fabric conditioner is as good as comfort and cheaper.The OS boards suggest adding white vinegar but i tried this and I could definitly smell a faint vinegary smell on my clothing.
You will be a band 6 soon, I got mine 2 years after qualifying, just do all the free courses that you can, be a bit bossy and update your ksf regulary, put yourself forward for everything.
well done on the cross trainer, im not doing too good this week with SW il try to get back on track.
I love the snowballer I spend hours messing about with it and trying to bring my DFD nearer.And if im tempted to buy on credit I put it in the whats the cost calculator and see how much il really pay for it, this usually tames OH when he is on one of his spending sprees.

amyandjon

Hello love we can be debtfree in 32 months i like months rather than years it sounds that little bit easier hehe...... i dont think i want a band 6 too much paper work hehe..... less unsocial ...... im shattered now done my full hour...... i was naughty and needed to spend on credit card last night because a cheque hasnt cleared but it will cover what i spent plus im adding for intrest .... still feel bad but we needed to we are goingto wedding so i needed an outfitgot it at tesco and it was reasonably cheap normally im straight to coast for a 200 quid dress...... so less than 3 years to debt free sooner if we work damn hard...... hehe ..... im happy with that i cant not be haha !! how are you doing on your dfd, i read some of your posts on your thread people can be all doom and gloom i have enough of that looking at the numbers...... ai dear im on my annualleave so ive spent two dayd fettling round looking at how id like my house knowing i cant spend lol !! oh did a very nice thing today he found a pretty decent phone in the carpark... so he looked through and identified mum and phoned it to let the mother know then the son phoned he will collect tomorrow thanbked oh for been so nice and said there should be more people like you in the world lol !! how nice see if we get rewarded haha cheeky arent i :P x

Bargainfinder_3

Costco I paid £19 for Daz (box that says it does 120 washes) and £16 for Surf, said it did £90 washes.
The Daz was on offer though - but with the 2 of us they literally do last me a year!!

Bargainfinder_3

They might bring you a bottle of wine or something?!!!

supersavershal

I have a big secured loan which has 9 years to run (pre mse days) all my other things should be done in 24 months if not sooner! I cant wait, hoping to bring the cards sooner but then can put big chunks aside to pay secured loan off early.
Ive had secured loans before and added them to mortgage but I wont do that again!Some people are doom and gloom, I think you have to have a life as well as paying off debt, if I really knuckled down I could pay it off in 12 months but that would mean no treats, no holiday, I dont think I can live like that I have a hard job and I need to feel I benefit from it, it keeps me going and I dont like the kids to do without, it isnt their fault I have debt.

amyandjon

I agree....we are going to be saving chunks aside for the homeowner loan, we borrowed 26 k and with the intrest we only pay a grand a year off lol the scandal but they wouldnt let us get it for the term we wanted so im saving as much as i can to rid myself of them hehehehe..........il not hopefully need any more credit debt apart from a mortgage when we move te he he ........ i think il just save and save and pay chunks i think it will work better for me a drib and drab there i dont feel the benefit ..... my mums going to let us move 2 k next year onto her credit card thats life of balance hopefully we can save 3 k before then and just wipe the rest ourselves a cheaper rate suits me ...... its hard playing the waiting game and its boring as hell !! haha !!! id lik to see a few little things gone before wedding or at least at a manageable rate ..... ie all credit cards below 3 k on each theres only 2 that we need to do that for so thats ok...... hehehehe :P im not going to say how far below because well i dont know how much we can save to do that hehe :P better get sorted going for a reading tonight xx

supersavershal

A tarot reading Amy?

Love them, I saw a medium and she was so good everything she said happened.I had one child and she said I would have another (I did after 7 years of trying).She said I would beleive it was a girl, I was told that on scan and then had a boy (she said that would happen) and he would have big blue eyes (mine are green) and he has.
She was so correct in the other things she told me Im scared to go again.
Im off to a wedding next week and need to sort out something to wear i may have something in the wardrobe, ive deffo got shoes.Im a bit of an imelda marcos I have literally hundreds of shoes and boots but wear the same ones every day.