trying to clear them all

Jan42

hi, new to the site. Loving it already! Quick update about me, 42 (:rotfl:) year old single mum of two gorgeous girls.

Trying to clear all my debts before they leave school and the family credit goes with them...work full time but still seem to have no pennies left. Reading everyones positive comments is really spurring me on to try to reduce my cards. Will keep posting updates on how I'm doing.
thanks for reading. :j x

Fire_Fox

Have you completed a Statement of Affairs yet?
http://www.makesenseofcards.com/soacalc.html

Jan42

hi, no, not yet. Thanks for the update. Would really value everyones help, have been a fan of the site for a while, but only just joined.

Jan42

Hi, have been an avid reader of everyones dairies for a while now, only just plucked up the courage to start my own. Some quick questions...I really should know the answers but hey ho!! Could I ask how do you work out your debt free day...? (Snowball DFD) xx

Primula

Hello and welcome, sorry I cannot help with the snowball calculator but an expert will be along shortly I'm sure to provide the link. I agree, this is a fantastic site and if you do post your SoA you will get a lot of helpful advice. You should also check out the OldStyle Board for lots of inspiring idea on reducing your grocery shopping - I am struggling with this, but this month I have been the best I have ever been thanks a lot to inspiration on other folk's diaries on here.

Jan42

hi, thanks very much. I'll try the old boards, as reducing grocery shopping is a big thing...any help and inspiration is very much appreciated! Some of the diaries are so inspiring...really helping. x

Lemon_Tree

hi and welcome to the boards, i've not used the snowball calculator to work out my DFD but have an excel spreadsheet that does it all for me. I'm sure on the snowball like there will be destructions on what to do.
maybe you should start by keeping a spending diary, it's amazing what it throws out of the woodwork and can be pretty scary as well, but it certainly makes you stop and think

Jan42

hi, I have started keeping a spending diary, all was going well until the exhaust fell off my car!! I've been on music magpie and got rid of some old and forgotten cd's and dvd's - and on envirofone -- all adds up to just over £50.00 so thats a start.
x

Happytogetdebtfree

Hi and welcome to the boards good luck with the dfw journey how long till the kids finish school x

Jan42

hi, thanks for the welcome...my eldest finishes in 4 years. Really working hard to pay everything off. Paying a chunk of my Argos card today, thats a start! x