clearing the cobwebs, clutter and debtness

Needhelpsaving

Just go for it - you have already knocked loads off your debt.

Good Luck

jacey98

thank you for your lovely message makes me feel more motivated to do it.

jc x

homegrown_life

sounds like a good plan - good luck with it all!

jacey98

spent last night sorting out clothes for ebay going to try and do about 15 things a week. have been lent a taylors dummy so cn get my wedding dress on at last also going to try to thin out my handbag collection as well.

so photo taking on monday then hopefully can upload at work in my lunch hour and will be on my way at last!!!!

jc x

jacey98

thanks homegrown def going to take a bit of effort but i know i can get it done so much more motivated at the moment.

jc x

jacey98

have spent the last hour sorting out my new litlle note book starting from january with all my spending diary debts to pay and when and the dreaded to do list.

starting Jan 10 with a debt below 5000 will be a massive incentive for me to clear it all as soon as possible, i know there will be things that come up especailly with changing all my suppliers and moving home but hopefully bills will be at a minimum so i can still hit my target for dec in fact must add that to signature.

i think next year is going to be a big year for loads of us and we will all be able to clear a good amount of our debts.

i am actually excited about it all now cause i know im going to do it........only taken about 5 years to get into this frame of mind but im there and it will be done.

good luck to us all

jc x

jacey98

have spent most of the morning changing dd to different accounts. i currently have two accounts with A&L one for bills and one for me!!!! however as i am not paying over 500 into the bills account i am being charged a fee every month so time for it to go!!!

me and oh will be opening a new joint account for the new house and im thinking of trying nat west. it will have about 1000 a month going in so should be enough for a basic account.

just need to sort out a bill with our names on at the new house so we can open one think i might xfer the bt over so we will have some proof.

only have 5 dd left now in my bills account which will all be closed by mid dec so then only have to pay off the outstanding overdraft but think it will only be about 80 so not too bad.

going to pay my chq in tom from extra work so will be able to start my mini challenge as soon as that clears.......cant wait dont like seeing a 0 next to it!

jc x

jacey98

ok chq paid in just need to wait for it to clear but made first payment towards mini challenge........not sure that i will hit it but fingers crossed still have 53 days to go!!!! and very nearly under 6000 very tempted to just pay off 7.74 as a pad to get below.

was very good at weekend saw lots of things i would like to buy and resisted them all which was very hard as primarni has just opened a new shop this weekend!!!!!!!!

jc x

jacey98

ok gonna pay extra 10 off cap 1 card to get below the 6000 and will also get me 10 nearer my mini challenge so off to pay and up date signiture.

have made many lists this weekend so will update soon.

jc x

jacey98

ok nov list of things to do.....

* xfer dd,s
*sort out and wrap xmas pressies
*ebay 20 items
*sort out kichen cupboards for car boot.
*start moving things to the new house

not too much this month and doing ebay photos tonight so hope to have listed by wed latest.
need to dig out another 20 items ready for next week. hoping to have put 60 things on by the end of november then i think i will break untill the new year cant be bothered with the xmas post too stressful!!!!! (cant believe i have that much stuff too ebay and i think i will still have another 50 bits to do after xmas)

need some more money making things though as cant car boot till march and need to earn a little bit more.

jc x