The 12 week Debt-Life *Achieve something* Plan - WEEK 7

Hime

Great idea. Starting small but here goes....

OH and I are putting away £1.00 a day for Christmas...will continue this.
I want to bring my food budget WAY down so:
Will continue to plan (this is hard) meals and cook at the weekend...(been good this week)
Will cull more unused household clutter.
Will do more exercise
I will also list some things to sell in the local rag
and lastly....I hate this one.....will limit my wine intake to a bottle a week till mum and dad get here from Oz, then after they go...back to a bottle a week till Christmas!

sammy115

Day two...not so good...four mars bars in one day but was tres stressed and thats all I ate...

None left now....

Todays task towards my twelve week plan is to download a running programme for my half marathon...and not eat badly

becky_rtw

This is the best of a lot of dross Sammy:
http://www.halhigdon.com/halfmarathon/index.htm

This guy is a genius

sammy115

becky_rtw wrote: »

This is the best of a lot of dross Sammy:
http://www.halhigdon.com/halfmarathon/index.htm

This guy is a genius

Brilliant Becky....:j thanks....

redsquirrel80

becky_rtw wrote: »

This is the best of a lot of dross Sammy:
http://www.halhigdon.com/halfmarathon/index.htm

This guy is a genius

That looks quite good for my 10 mile target too, thanks!

DFW74

Katy83 wrote: »

Can I join too please?

In the next 12 weeks I want to:

...Stick to my budget and pay off £700/month on my debts
...Do some sort of exercise everyday
...Cook as many meals as possible therefore reducing my grocery spends
...Go for a monthly horse riding lesson as a treat only if I save the money elsewhere to do it
...Try and find some voluntary work to get involved in my local area

[EDIT]

...spend less time on the internet and more time being constructive


Think that is enough to be going on with!

Good luck everbody :cool:

Please count me in...

My list;

1. Stick to budget, and then pay off more debt (I really must!!).

2.Finish Christmas Shopping before November pay day.

3. Get into gear for making own cards and selling them. I have all the materials just can't seem to do it!

4. Make more food at home (tried hm bagels last night, lovely, thanks Mrs Mc); use slow cooker.

5. Get up the fells, love doing it and they are right on my doorstep (literally) so no excuses!

May add more as they come to me.

Katy 83 - 3 birds with one stone - Try your local Riding for the Disabled Group, they are usually always looking for volunteers; you get to exercise for free; you are volunteering and some of them will give you rides for helping out. Good luck.

Katy83

DFW74 wrote: »

Katy 83 - 3 birds with one stone - Try your local Riding for the Disabled Group, they are usually always looking for volunteers; you get to exercise for free; you are volunteering and some of them will give you rides for helping out. Good luck.

Ooh, good idea DFW, thanks - I'll go and see if I can find them. Do you have a recipe for hm bagels? I love them for breakfast at the weekend but they are not normally very MSE...

Sammy, about the mars bars - the one thing they don't tell you is that running makes you HUNGRY! I sit beside three fairly big blokes at work and have one at home too and I can out-eat them all if I have been running a lot! Spoonfuls of crunchy peanut butter are my weakness!

sams247

Ooh peanut butter........ love that!

Here's what I have done so far

[FONT=&quot]1. Sort out my finances and make the most of the fresh start, get ready for the OR interview
2. Spend at least one/one half a day of quality time with my partner and not take our time for granted (Ate tea at table instead of in front of TV, so actually had time to talk to each other, then collapsed in front of TV to watch Jamie in America!)
3. Accept that all offspring have flown the nest and declutter and tidy the big bedroom and move into it
4. Exercise at least three times a week
5. Complete my Christmas shopping
6. Unwrap and use the gift of a slow cooker I had ages ago and return to good old fashioned home cooking (yesterday prepared and cooked a veggie stew in the slow cooker, was excellent and so good to walk in from work to a hot meal waiting. Today veg Bolognese is cooking in it)
7. Make more of an effort to keep in touch with friends and be social and realise that work has taken over a bit (Texted a friend and arranged to meet up……… earliest time we could both make it is end October (!) but at least it’s a start)

[/FONT]

Toto

Morning everyone, the diet is still going well. I finished yesterday with 4 points to spare too. I've been into town today and have made a start on the christmas shopping. I really want to get the bulk of it done by the end of this month because I start uni on 28th which will mean I'm mega busy and I'll have the additional cost of the nanny. I have a ton of tesco clubcard vouchers so I'm going to swap those for goldsmiths I think. I've seen a lovely watch and some jewellery bits for my 13 year old daughter and a watch for my 18 yr old son.

Boots have started their 3 for 2 toy offer so I've got 3 toys for the baby, that will do her. I went into the co-op and bought 4 tins of their £4 roses/quality street for various gifts.

Now, I need to go through the garage... yes that garage... the one I keep saying I'm going to sort out but never do I know I got a bunch of stuff in their 75% sale in january for christmas so i need to get it out, organise it and ebay any extras.

Maybe tomorrow :rotfl:

Adsuk

Alrighty then,

I have £1300 on my Barclaycard and £1250 overdraft to get get out of (I live in my overdraft and by the end of the month I am always at the limit).

I have been working on my Barclaycard for a few months (it's handy that I have forgotten the pin), so it is now down to just shy of £1300.

I have been paying off £300 a month, but I have also been putting aside £50 a month in an instant access savings account (part of my HSBC account) - the reason for me not putting it on my card is because in case something comes up where I will need that extra cash.

The savings account has £260 in it which includes some money made by selling things on ebay) by payday I should have £300 in it.

When payday comes - I will pay off £500 on my card (keeping £100 in my savings account - just in case), this will take the debt down to £800 not including any interest added. Hopefully by December this debt will be paid off and then from January through to May, I will use the money that I allocated to paying off my credit card to paying off my overdraft - I think I will put all the money into the savings account until I have the lot and then transfer it across.

As a money saving measure for me, I am determined to bring my own lunch to work and not buy anything - although there is a great sandwich shop but I easily spend £4-£5 a day.