September09's Debt Free Diary

Raquela

I'm always astounded by people younger than me who have managed to get a mortgage and a house and everyfink! At this rate I'll never own my own house waaah....

Welcome to MSE, and keep posting!

september09

Raquela,

It has been tough, we were just so determined to get on that ladder early and it just seemed the sensible thing to do when it finally came to paying my parents board money!! Thought I may aswell put my money towards something of my own.

I'm sure you will get there eventually and probably wont have the debt that i've got to go along with it.

Thanks for reading, hopefully you'll stick around and visit again!

september09

So last nights to do list;

• [STRIKE]Do some housework. House is a little cluttered of late![/STRIKE] All tidy by the time I went to bed!
• Go through cupboards, fridge and freezer to make meal plans to use up what we've got and save money on the old grocery bill. Did't get this done - i'll add it back on to todays and do it tonight!
• [STRIKE]Sort through college stuff to get ready for evening course re-commencing next week. (oh did i mention i stretch myself ever-so-thin by working full time and studying at night?)[/STRIKE] College stuff all sorted ready for monday evening......after a long day at work! :rolleyes:

How terrible. Only three things and I didnt even manage them all. :rotfl:
Too much time killing zombies with the other half .......on the computer that is!

september09

Todays to do list (get this up before I forget!):-

• Go through cupboards, fridge and freezer to make meal plans to use up what we've got and save money on the old grocery bill.
• [STRIKE]Ring BG check on what engineer told me yesterday.[/STRIKE] All done, how pro-active am I?!
• [STRIKE]Text my friend regarding dinner plans for friday.[/STRIKE] All sorted and will be at my house, a meal from my yet to do meal plans (gives me an excuse to get started on that then!) how very Money-Saving.
• [STRIKE]Text our vote registration thingymajic to the council to stop them pestering us.[/STRIKE] Done and done!
• Complete one of my exercise routines that I have all ready and written out for me but have yet to actually do! Must get fit this year!!

So there it is.... wish me luck after last nights disaster - there's more on this one. :rotfl:

september09

Oh and more good news.......

Going to the bank at lunch, paying in some cash, which will take me out of the overdraft. Only by a teensy amount but hopefully with a little blood sweat and tears can stay out of it till payday (23 days away including today).

But you never can tell what the future will bring so I'll just take each day as it comes!

:beer:

jacey98

hi

may only be a small list but at least your getting bits done. am totally with you on the fit thing need to really get up and start doing stuff. well done on the overdraft i think i have 4 left before i go into mine........oh for the day when i dont use it at all.........................

jc x

september09

Morning!

I know, I've been promising to get fit for so long, now seriously, Im finally going to do it. Giving myself a 4 month goal, so hopefully by the new year, I'll be fit as a fiddle! Maybe we can keep each other on our toes?!

Its always nice to know somebody else is in the same boat. The fiance is fitness mad. I'm pretty useless! But, its never too late to change!

And I'm with you on the overdraft. I know we'll get there one day!

claire0788

Have you worked out a budget ? Ive been in my overdraft for well over 2 years (bad bad bad !) but at the end of the year ill have paid it off (it was £3000). It really works to reduce it every month because you dont overspend if you dont have the funds available.

jacey98

ok fitness people we will be....... a lady in my village is doing a four week boot camp soon think i might give it a go need to shift a stone so hopefully that will give me a good start.

jc x

september09

I have got a budget in so much as;

I have a little book at home (well A5, not so little) that at the beginning of every month (and by month I mean the day before my payday) I detail any money I have coming in for the month (wages etc), and also all bills, debt repayments, and other essential expenses that are going out for the month. This lets me know exactly what the balance will be on my account after all the set expenses have gone out. Then after that I try ever so hard to restrain myself and my spending on things such as social activities, mobile phone top ups and grocery shopping.

To be honest though this is something I really need to work on.
Its all fine till I'm left with free reign.
My mobile phone use is far too high and the top ups really start to mount up!
My grocery shops can also be £70+ at a time easily (though this does include cat litter, wash powder, toilet roll etc - but not cat food).
Then there are the little things I forget, like Cat Food which I don't realise is nearly empty till I go in to get them some (the boys have to have a prescription diet!). :eek:

I think after you've bought this to my attention (which I'm very glad you did) it really is something I need to look at. Maybe set myself a maximum phone top-up amount, and a budget for my weekly shop?

Socially, my main expenses are the occasional meal out, renting dvd's/games (tried the online service as it was cheaper but we never got what we wanted so ditched it), and the cinema.

Think thats something to add to a to do list aswell then, in the very near future - sort out a budget!!

Let me know of any suggestions anybody has pleasseeee!