My 2009 Challenges & Debt Free Diary

Penny2myName

I would like to take my children to Lapland in 2010 but I don't want to do this on credit, before they are all too old. To do this I need to buy both boys passports, clear all my debts and get at least £3k saved up to cover all costs. My children at present are 9 11 and 14, come 2010 they will be 11 13 and 16 so need to incorporate it as a Santa/Skiing holiday. My aim for this year is to clear ALL debts, no excuses no hickups no reasons for me not to manage it.

2009 Challenges and diary.
Join Weekly Flylady thread (and stop just lurking on it)
Gift Neutral (Avon commission)
Sealed Pot £50 target (got stolen had £14 in £2 coins though, having to start again)
100 days challenge - No Take-outs/meals out (starting 27th Dec- 8th April)
No new clothes for me for 365 days (apart from underwear) Failed £100 spent
Live on £4k for a year
£1 a day savings - Bunk Beds and 3 Mattresses
January 2009 Grocery Challenge (£50)
NSD challenge of 2009! January (7 Days)
NSD challenge of 2009! February (8/7 Days)
NSD challenge of 2009! March (9 Days)
Weekly Spend Challenge (£10)


Year to Date spending
Groceries - £1080.00/£362.03
Household Insurance - £142.00/£51.50
Internet access - £221.00/£61.24
Household - £200.00/£129.93
TV License - £141.00/£44.78
Telephone - £154.00/£139.65 Really need to work on this
Mobile Phone - £120/£40.00
Wildlife Membership - £48.00/£16.00
Gas - £534.00/£345.00
Electricity - £365.00/£138.00
Water - £405.00/£31.26
Cleaning - £60.00/£32.89
Toilettries -£120.00/£123.20
Total £3590.00
Leaving £410 for :-
Books - £6.24
Everything else - £29.52
Travel - £63.50
Delivery - £21.26

Avon- £47.88/£63.61/£84.49 (Costs/Commission/Spends)
Gifts - £48.37 Money neutral

Needs/Wants list
Needs Wants

Lounge
Vacuum Cleaner £99.00 £199.00 full price Paid
Lounge flooring Laminate flooring
4Cushions

Me/My Room
A Relationship
My flooring Laminate flooring
Double Quilt BNP Feb 2010 Kylie Chandelier duvet £37.50 £75.00 Paid
Pillowcases BNP Feb 2010 Kylie Chandelier x2 £10.00 £14.00
Double Bedset BNP Feb 2010 Honey Suckle Bedset £15.00 Paid

Daughter's Room
Mattress for daugther £70 (bnpl Nov use £1 aday savings)
Single Quilt BNP Feb 2010 Kylie Chandelier £17.00 £60.00 Paid
Pillowcase BNP Feb 2010 Kylie Chandelier £6.50 £7.00 Paid
Curtains Laredo Curtains BNP Feb 2010 £7.50 £23.00 Paid
Sons' Room
BunkBeds & Mattresses for sons £259.00 (bnpl Nov use £1 aday savings)

Boys flooring Laminate flooring
Husky Faux fur throw (i) BNP Feb 2010 £36.00 £60.00
Husky Faux fur throw (ii) BNP Feb 2010 £36.00 £60.00
Husky Faux Fur Cushion (i) BNP Feb 2010 £13.00 £22.00
Husky Faux Fur Cushion (i) BNP Feb 2010 £13.00 £22.00

Kitchen
Pan Set £90.00 BNP Feb 2010 Tefal 5pc set £180.00 Full price Cast iron Pan set
4 Bar Stools £59.00 BNP Feb 2010 £94.00Full price
Silver Fridge/Freezer
Branches Metal Wall art BNP Feb 2010 £42.50 £85.00 Full price Paid
Leaf t-light holder BNP Feb 2010 £17.50 £35.00 Full Price Paid
Wooden Plaque BNP Feb 2010 £13.00 £35.00 Full Price Paid
Classic kitchen maid Clothes Airer (6ft) £51.02 plus P+P
Six Lath Victorian Kitchen Maid® Pulley Clothes Airer (5ft) £56.60 (£69.00 full price) plus P+P £63.04 in 20% off sale Paid

Debts January/February/March
£1298.30 Vanquis £100.00 Monthly £1240.89 £1000.00 Cleared with Inheritance 3rd April 09 28th May account fully closed
£309.50 La Redoute £15.00 Weekly £509.88 £534.40 £0.00 Cleared with Inheritance 26th March 09
£1897.68 Littlewoods £209.98 4 Weekly £2270.73 £2015.92 £515.00 £515.00 £860.75 £877.78 £784.32
£253.66 DFS Dining £19.64 Monthly £234.02 £214.38 £194.74 £175.10 £155.46 £155.46 £135.82 £116.18
£1085.65 DFS Sofa £83.51 Monthly £1002.15 £918.65 £835.15 £751.65 £668.14 £584.64 £501.14 £417.64
£336.76 Overdraft Cleared as and when £543.67 Cleared with Inheritance and reduced to just £50 available
Total regular payment £473.13 on Average

£5181.55 Total £5801.34/£4683.35/£1544.89/£1441.75/£1684.35/£1617.88/£1421.28/£1318.14

Savings
£1 a day
£5 a week
£25 a Month

Well I have set a new spending diary up for 2009 which will have select categories only in, so I know exactly where I am with my 4k challenge.

Taken my meter readings on 1st January and keyed them into my on-line accounts.
Gas 01843 02140 02349
Electric 04212 04666 04931
BT Call's only £25.12 £18.69 £24.94

Bambywamby

What a fab set of challenges, good luck! You will be able to do it, just keep your eye on the ball and avoid temptation (for me that would be the clothes shops).

Love Bam x x

Penny2myName

Thanks Bamby though have to admit for me the temptation is the take outs. Decided if I have everything on first post, makes it easier to know what I am doing and to keep reverting back to on days of forgetfulness

Penny2myName

Well its now the new year, and I am just waiting for a loaf of bread to finish baking before hitting the sack.
Hope everyone has had a good start to the new year. Will take meter readings when I wake up in morning.

Penny2myName

Plans for this year. Well I want to complete the front garden, and get Vegetable plot started at bottom of back garden.
To do this I need to finish leveling front garden, place two more really heavy slabs down, then get some turf for the front. Need to buy a strimmer and extra cable so I can get to the bottom of the back garden and gut the jungle down that is growing there, and start veg plot.

Penny2myName

Today i decided to sign up for the January Grocery challenge, with the target of £50. Going for so low a target as I am having work done on the house, and kitchen is being ripped out, so need to use up all that I have in.

Penny2myName

Have decided to sign up to the January NSD challenge, my aim is for 7 days.

redmel1621

Good luck penny2myname.

I want to take my kids to Disney Paris sometime around Dec2009/Jan2010......I hope you manage to make it to Lapland.

Mel x

lauradora

woo hoo!

Look at you go! I am just on with getting all my challenges and my new diary sorted for 09.

Glad to see your so organised!


Good luck i'll be back soon!

xxxxxLaura

Penny2myName

Been working on it for last few weeks, refining it, and changing info in wordpad format, ready to post. Was only going to do 6 challenges, but added three more today, but only as they can all work in conjunction with each other.
So did you have a good new year Laura. Been thinking maybe one day we should meet up.

Well spent earlier watching The Flintstones and eating last of the home-made popcorn I had in. Saw a lovely Jacket on the underfiver site but cant have it, or I will have failed one of my challenges before even getting out of the stall. So closed the site down.
Think I may order a fruit tree collection from catalogue though, but not until next week when most of my DD's have been paid, as I want to actually pay for them when ordering.

lauradora

Yes we should!

My new years was good thankyou. Just went to a friends house for a small party. Ate too much and paid for it ever since!

As I said i'm glad now its all over so things can start getting back to normal! I'm not a big fan of xmas or new year so i dont really make a big fuss. I've already been naughty on the spending just to get me through it all. I was on sale websites by xmas day evening!