Luckycharm's debtfree and self-sufficiency journey

Luckycharm_2

Yesterday I secured a day's work per week for the foreseeable future from an organisation I trust. My fee of £250 per day has had a big impact on the budget.

Incomings (after tax): £1131.76
Outgoings: £1125.14

I think we're solvent. Wow. In the past, small amounts of work have then led on to larger amounts so fingers crossed it keeps coming.

Happy day.

Luckycharm_2

I didn't sign up with the agency. I made a decision not to as I just could not bear the thought of it on the day. They were very nice when I cancelled the appointment and said I could do it any time I'm ready.

I haven't signed up for mystery shopping yet but hope to get onto it today.

My marketing is still going well and I have another couple of possibilities for some work in the pipeline.

I need to go and number crunch now. Will update again later.

Luckycharm_2

Thanks for the tip urg 123. I think I'll try that next time.

Luckycharm_2

So yesterday I signed up to 3 mystery shopping sites. I hope they get in touch soon. I'm feeling so low about all this today. I need to try and chirp up a bit.

Buffythedebtslayer

Lucky, I think everyone goes through those feelings when facing the joy(not) that is debt. It comes in fits and starts. Look at your posts from yesterday - solvent!!

Are you doing the free scratchcards, they always cheer me up! (on Virgin and Butlins)

Wishing you perky thoughts

Buffyxx

Luckycharm_2

Thanks Buffy. No I haven't started scratch cards yet but will get right on to it.I just discovered the fabby spreadsheet for keeping an eye on incomings, outgoings, debt repayments etc. It's great and a much better system than I currently have (a pile of scrap paper in a folder). Just discovered it's going to take me 8 years to pay off this debt at the current rate and that's probably not including interest. I need to do more.

Luckycharm_2

I don't know what's up with this site lately. I just spent a good hour cooking up a plan and trying to post it but it won't post. Even saving the text and trying again doesn't work. It comes out in one big, incomprehensible lump. I'll try again tomorrow. The basics are that I'm going to pay this debt off in 7 months. When I can get this site (or maybe it's my computer?) to work properly, I'll post my plan.Happy day.

missymoo81

hey hun, big hugs to you, but it sounds like things are looking up what with you hoepfully breaking even each month, yaaay!!

not sure what's going on with the site hun, it seems to be working ok for me, not that that helps you I know.

anyways I will stop rambling, I just wanted to wish you good luck on your adventure.

x

Luckycharm_2

Thanks missy. I think I need all the support I can get!

So here's the plan:-

Sell our second car. We're going to have to manage with one. Total raised = £500

Sell any books or anything I have lying around the house. Total = £100

Type A work (find 4 clients) = £3456

Type B work (find 3 clients) = £864

Type C work (find 3 clients) = £1980

MiL has been trying to give us cash for years and years. We always say no. This time we're going to say yes. (Not so sure about this one but OH is all for it.) Total = £700

Matched betting (2 per week) Total = 1400

Mystery shopping (2 per month) Total = £350

Daily clicks @ £3 per day (me and OH) Total = £1260

Anyway, having included the upcoming wedding costs and Christmas, and tax. This should have us debt free in 7 months. By May 1st 2010. So here's to my 215 day challenge.

Luckycharm_2

My post has gone haywire but I'm going to leave it anyway. I don't know what's up with this computer lately.