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Who said this would be easy!! A debt free diary

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Comments

  • maiseymoo_2
    maiseymoo_2 Posts: 31 Forumite
    Thanks for your replies, it does give me a boost :D

    I cant increase my income anymore, as I work full time and am looking after my OH after his accident and the two little uns. Mind you in the evenings I do make little things to sell on Ebay and Etsy. OH also makes things to sell whilst he is waiting for his legs to heal. I dont check supermarket comparision sites, because I know if I go to a different supermarket, I will be tempted by offers on things I don't normally buy and end up spending more :o But I have been to Iceland today and filled the freezer for £19 and we are having their KFC type chicken box tonight as a treat (only a fiver, a saving of £10 had I splurged in KFC)

    It is hard for the little uns, I seem to be forever saying no to them, so they will be chuffed with the meal tonight. I'll let you know if its just as good :rotfl:

    I do plan my meals weekly and we have an allotment and a patch in the back garden for growing spuds. We are very into our veg. :rotfl:

    Anyway, off to list on Ebay now. I'll pop back in next sunday.
    Hugs to all x
    maiseymoo
    Lightbulb moment: Feb 2009
    Debt free date - somewhere in the distant future
    Goal - to get on a fixed repayment plan with an end date to aim for - achieved finally after great resistance and huge charges from LLoyds rip offs :T
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi MaiseyMoo - sorry to hear you are having a rough time! Well done for contacting your MP. Hope your OH recovers soon! Could he get involved in the Make £10 a Day challenge while he is stuck at home - free scratchcards, surveys, free trials, free sign ups etc It is worth a go - it makes a massive difference to us!

    Anyway keep pressing on - hope things start to improve for you soon!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
  • maiseymoo_2
    maiseymoo_2 Posts: 31 Forumite
    Hi Savingholmes,
    I did sign upto a free trials site, but havent heard anything back yet. I dont do the free scratchcards because the ones I have seen cost £9 in phone charges and with my luck I would only win a tenner :o
    But I will pop over in the week and read through the £10 a day challenge thread. Thanks for the tip.

    OH by the way, to anyone interested out there, I am a member of the NSM shopping monitor site. (should be able to find them online, if not leave me a note and I will look for the website address, if thats allowed to be posted on this site?) I scan everything I buy (takes a bit of time) and in exchange I get points. These points add up and you can then use them to order shopping vouchers. Argos is one of their vouchers, so great for saving up for xmas :T
    maiseymoo
    Lightbulb moment: Feb 2009
    Debt free date - somewhere in the distant future
    Goal - to get on a fixed repayment plan with an end date to aim for - achieved finally after great resistance and huge charges from LLoyds rip offs :T
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi I do free scratchcards eg butl!ns - where you get anything between 10p and £100 - best so far was a £5. You can withdraw after £10. I just do it via the ordinary internet - no phone involved...
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
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