Rewinding back to the beginning...........

Jelly_Babies

Bless you all, it's so good to be back :j

I am back on my gym ball but gave up the home waxing

My cleaner is just ace, I leave a list, it gets done on a Friday afternoon, money magics out of account, it's like a magic fairy.

After all my wittering, I could clear NR loan in 6 months if I make the overpayments there instead of CC :j Amazing, I don't think I've ever paid a loan off before without borrowing more. Progress:D

Jelly_Babies

(Land_of)_Maz wrote: »

hey Jellybabies!

just wanted to say hi and hugs, we've missed you on the running thread.... do pop over and update us on your progress, plus it is a fairly chatty board these days and always a laugh.......

Thank you Maz, I gradually got back into it after my woes of injury after FLM. Out tonight although legs still hurt from Thursday, but I am thinking more running=more food allowance

hypno06

So, NR loan gone by Easter - RESULT :j

redsquirrel80

Edinburgh is the end of May - Cnoelj and Pania are doing it too, and some others I think, and Maz is coming to cheerlead

Ahh.. the gym ball - the reason I ended up buying that big silver thing that rolls around my living room floor and occasionally gets sat on! :rotfl:

Jelly_Babies

redsquirrel80 wrote: »

Edinburgh is the end of May - Cnoelj and Pania are doing it too, and some others I think, and Maz is coming to cheerlead

Ahh.. the gym ball - the reason I ended up buying that big silver thing that rolls around my living room floor and occasionally gets sat on! :rotfl:

I'd say I'd do Edinburgh but probably too knackered and I am a money saver don't you know :rolleyes: Thought Pania was doing FLM but must have misunderstood. Getting ready for my run now, with a lovely little thought that I may just pay a loan off before Easter - how exciting :T

hypno06

Pania is doing FLM AND Edinburgh - MAD!!!!!

halight

Hi,
Thanks for posting and telling us about you and for some updateing them on how you are.
I hope all goes well for you and your OH.
Dont forget to keep us updated so we can offer you suport and help when needed.
all the best and good luck

redsquirrel80

hypno06 wrote: »

Pania is doing FLM AND Edinburgh - MAD!!!!!

Yes, she is (both of those things! :rotfl: )

I was lucky enough to get a charity place for Edinburgh, so just have to pay train fares (and raise £500-ish in sponsorship :eek: ).

Enjoy your run!

Paulgonnabedebtfree

Jelly_Babies wrote: »

I'm thinking baby steps this time, my things for this week are to:-

- take lunch in every day and spend no money on food for work - DONE

- going to buy a plastic water bottle to fill up every day instead of buying water from the shop.

- going to look at changing phone/mobile/sky provider. We're not in a cable area so we can't do Virgin which is quite annoying :mad: Need some suggestions here.

- had a look at electricity/gas last night, no cheaper alternative at the moment so sticking with our current supplier, we are actually in credit with them by £400, I suppose there's a first time for everything?? We are going to cut back on electricity and gas. We have a fantastic log fire, a garage full of wood and that can see us through the winter.

- quidco as much as possible

- stop going out so much, we have restriced our social life to once a month if that and only when parents can babysit.

- I have a loft full of stuff that me and OH are going to sort out for ebay this weekend to make a lump sum to pay off the debt.

- we are going through the cupboards on Fri night and listing what is in them to use up the resources as much as possible and shop late at night when there might be some offers on.

What really helps is that my best friend is also on a major cutback so we will do it all together which will help with the social outings as we will just cook meals for each other etc.

We have kept some things:-
- we have kept golf and gym membership as if we cut back too much I think it will get too tough and we need some enjoyment

- we have a cleaner we are going to keep, we both work very hard, DH works away a lot, two young kids and I was told by the Dr I was mentally and physically exhausted. We are willing to sacrifice other stuff to get a cleaner, rightly or wrongly.

We are still going to try and put £300 a month away into savings as a buffer zone and to pay for the bigger things that come up in one lump such as insurance, swimming lessons, tax, MOT etc. Absolutely everything has been accounted for in our budget.

We, theoretically, should have £430 left after making £900 towards the debts (this is more than the min payment as well) - our current thinking is splitting that between the mortgage and CC debts so we are overpaying £215 on the mortgage and £215 on the CC. The mortgage is 6.19% and the cards are mostly 0% and others fixed for life, so may be a plan to tackle both at the same time - what do you think?

Phew............I'm all tired out now. Just going off to cancel a DD for £8 a month I have had for ages that I don't even need...........baby steps and all..........

The only bit I would question is about refilling the same water bottle over and over. I don't know if this was propoganda put out by the bottled water companies but regularly refilling the same plastic bottle can cause a build up of bacteria. Apparently this applies even if washed out with hot water. Maybe better to get a glass bottle as the bacteria don't build up in that. I'm only repeating stuff that I've read somewhere else (can't recall where though) and can't vouch for its accuracy.

pania

hello my lovely lady are you ok? you know where i am anytime you need/want to talk. big hugs and fab to see you back. xxx