£77,366.35 reasons to be debt free!

savingholmes

Mine would be £166K with the mortgage and more is student loan included... I think I will stick with £15K!

Good luck. Well done for being with £4 that is great!

In_my_dreams

[STRIKE]
Flylady cleaning
Pilates class
Ebay stuff posted
Weekly spends taken out of bank
Hanging around hardware shop until they had created enough sawdust for a huge bag for £1.99
Ordering bulk supply of dog/rabbit food to try and save money
[/STRIKE]
Sat at desk and done work that I get paid for - oops!!:o

Spent money today but on essentials as sick of buying dog and rabbit biscuits every week so ordered massive bag. Leaves me bit skint short term but hopefully make up for it long term, now what budget does that come out of

kiwikaz

Hi,

Looks as if you're heading in the right direction ! :T

I'm still trying to get myself organised in order to reduce our debt and, can't wait for my call from CCCS next week.

As you know I'm a dog lover. I was told by CCCS that dog food and pet insurance has to come out of the food budget tho I'll obviously be checking this out next week when they call. ( mobile phones too for some reason ? ).

We've got 2 Leonbergers and feed them a raw diet. In our circs this does come out cheap because if we were feeding them on complete dry food then it'd be costing us £ 160 + every 4 weeks as opposed to £ 50. Big difference. They love it. I've got a good thing going with a butcher at our local market and, for 5 days it cost me £ 1.50 to feed them both . ( the good thing going is....... I get meat scraps, bones , chicken carcasses etc . bloomin' good deal ).We have frozen food delivered too. If you can put up with the smell once thawed then it might be worth a try !

Stick at it.

Karen.

In_my_dreams

Karen - I would give our dogs a raw diet if it cost that little! One is on dry food and the other on meat but looking at different ideas to cut back, thing is I keep them on the same thing due to the side effects of changing :eek: Sounds like a good deal you have with the Butcher though!

Not much happening for me today - very excited that MBNA have sent me another 0% offer until July 2010 which means at Xmas I can BT a card which expires at xmas :j I've got an MBNA card as well which is empty so hoping they will be forthcoming with an offer for me too hate the stress of BT'ing but it's the only thing that keeps us afloat!

Had a surprise delivery of LOTS of coal yesterday that OH forgot to tell me about and therefore I didn't budget for which then messes up my bl00dy budget again! Also discovered he had purchased something for little one that he had been saving up for, didn't put it in his spending diary and then said we would pay for it rather than it coming out of his spending money. This defeats the whole purpose of them doing jobs to earn money to see the value and then spend it. So I have been ruthless and deducted the item from his pocket money, which has upset him. OH thinks I'm being tight but we can't afford to treat them at the moment, hence the jobs idea Feel like I'm just the big bad wolf all the time!

Been having a shake of my £2 pot after getting 2 coins today which I HAD to put in. I think it's about half full which should be about £250 but determined not to open it until it's (a) necessary or (b) crammed full!

Off to enjoy last half hour of peace and quiet before completely ruined by the kids!!!

POSITIVE_AND_FOCUSED

Well done IMD. My signature says it all inc my mortgage, £159K total, however Im very similar to you in that it will be 67 months when I am df from my cc cards. I am pushing to move that forward. One step at a time though and we will get there.

In_my_dreams

POSITIVE_AND_FOCUSED wrote: »

Well done IMD. My signature says it all inc my mortgage, £159K total, however Im very similar to you in that it will be 67 months when I am df from my cc cards. I am pushing to move that forward. One step at a time though and we will get there.

Looks like we'll be here for the same amount of time

In_my_dreams

Just done a bargain. Mini me needed new dancing shoes, instead of buying new as I would normally I have gone to the teacher, who pointed me in the direction of used ones and got two pairs for £2 each :j Approximate saving of about £30:j:j

BEAT_THE_DEBT

Good news about dancing shoes i wish other mums would start doing thing like this in our school it would make life much easier!

savingholmes

well done on the dancing shoes

on the treat / pocket money thing - I don't blame you. You have to start making a stand somewhere...

My kids are pretty understanding now

hypno06

Excellent news on the dancing shoes :T

And I am right with you on the pocket money thing - you have to make a stand, otherwise you will be seen as a pushover time after time. Stand firm!