Searching for a debt free day

flojan

Sorry if I've misunderstood, but I really can't see how you expect to be debt free by June when all you will have paid of your £2920.00 debt will be £462.00 ?

searching_me

Im gonna do my best to chip away as much as i can .. i want to at least get rid of my ccs before its born so whenever im left with at the end of the month i plan to put half of it toward paying extra off a cc i know im not gonna be df by the time its born but it is my insentive to have it coming in to the world knowing its mums doing the best to give it and my mini family a better life x

Jolly2009

Hi Searching Me,

Just wanted to wish you the best of luck in becoming debt free before baby is born. You'll be surprised what you can achieve!

Have you joined the January no spend thread (NSD) - its a mini challange set each month where you aim for a certain amount of NDS each month. Great way to curb the spending. I've joined Januarys and aiming for 10 days no spends. May help?

Why don't you see if you can find some bits to e-bay whilst decluttering?

Hopefully if your OH finds a job you'll be clearing that debt sooner

Lots of luck x

searching_me

im hoping he finds a job soon to bless he trys so hard but keeps getting knocked back hes gonna try see what or if an agency can do as job centre people were no help even offered him to go on jsa but its not worth plus been there and dont wanna go back if we can help it...
i think i may just join the nsd C as i really need to get sorted stop my over spending on stuff i really do not need...
as for ebay im gonna go through the house and see what i can sell and turn that in to baby stuff ive had a look at prams and travel systems on there and they seem alot cheaper then ive found so far plus with quidco i get alittle back i know its not much but every penny counts x

Jolly2009

I'm sure you'll get there. Posting here is always a good start, I find it keeps me motivated.

Maybe keep a spending diary for this month and see where you money goes and just try and make cut backs as and when. You have a great incentive to keep at it!!

searching_me

well im gonna use this as a daily spend write down what i spend outside of money ive set aside for thing... im gonna take out the money i need for things like the food budget put it in OH bank account and then leave my card at home only take that card and only if i need something... make sure i take food with me to work so NO popping to the cafe next door for a bacon butty or toast (been abit of a habit just lately) gonna make soups and stuff (discovered making soups not to long ago but just run out of it in the freezer) ... hmmm cant think of anything else right now x

searching_me

morning gonna keep going with my insentive of being debt free ... have to pop down town gonna right a list of what i need and stick to it (hopefully) i know they'll probably be something i forget but my memory was bad before bubs so cant even blame it on baby brain :rotfl: ... 17 weeks today and it seems to stil be growing strong... right gonna get my botty in gear and get sorted check in later xxxx

searching_me

right well back from town sat in my duvet with a piece of cake and a cuppa its freezing out there... well i forgot gas but get that tomorrow when i pick up DD from her aunts gonna sort out getting a month bus pass as im getting to tired to walk (40mins from town) but i figured that if i get a buss pass and then just take my lunch to work i dont need to bring any money and then no extra spend... sound like a plan or just a ramble o well lets see x

searching_me

well spent some money today as DD she wanted pack lunch but i only spend £1.30 and her school lunches are £1.80 aday so i saved 50p not much but something... i started cleaning out DD old baby box ready for getting things for bubs but not til the next scan ... o and i started saving my £2 coins ready for bubs.. getting excitied but im gonna behave myself not spending... i should have a NSD tomorrow as im taking in my lunch lets see how i go x

Fire_Fox

searching_me wrote: »

im hoping he finds a job soon to bless he trys so hard but keeps getting knocked back hes gonna try see what or if an agency can do as job centre people were no help even offered him to go on jsa but its not worth plus been there and dont wanna go back if we can help it...

Are you saying your partner is not signing on for Jobseekers Allowance? That money would make a huge amount of difference to you both. If you have paid tax you have earned your benefits in times of need. You have a baby on the way, and work is not so easy to come by as it was.

I have signed on three times for a month or so each time, when I had a contract finish and when I moved to a new area. It's not the most fun thing but it keeps your head above water. I actually found it helped motivate me to get work so I could show the snotty cow who worked at the Jobcentre!!

I have always found the best way to get a job is to get a CV photocopied loads of times and just take it into everywhere and ask for work or go through the Yellow Pages and post them all out. Leaving a CV means the company can get back to you at a later stage; it has never failed to get me interviewed for jobs that don't officially exist! There are some really good organisations about to help you get your CV looking up-to-date for free if you haven't been job hunting for a few years.