clearing the cobwebs, clutter and debtness

jacey98

hi kp thanks for popping in. keeping a close eye on freecycle for anything i may need think it will be very usefull.

not much else happening on the money front at the mo more ebay tonight and just waiting for pay day to clear more debt.

jc x

jacey98

well not doing well on the updating!!!!!!!!! although not much has happened apart from having a new addiction to the twilight films and a bad obsession on the bloke in it!!!!!!!!!!!

have managed to list another 10 things on ebay so gradually getting clutter free and making a little bit of money. not looking like i will make my challenge though but i am going to see how close and then set a new target in January.

have managed to have 3 no spend days this week which i am very proud of as never really mange any so going to def try and do more of that from Jan onwards.

off to the good food show on friday (mum is treating me) just need to try and get lots of freebies and spend nothing but should be a nice day out.

jc x

jacey98

well the doing my diary every day has fallen a bit by the wayside!!!!!! and to be honest not doing it has made me go into panic about debt clearing, so back on it now and every day hopefully. not a massive amount has happened have been very good with spending but could def still cut down more, have done a couple of ebays and i think made about 170 in total but stupidly just xferred it to my bank and it has been eaten up without paying any debt off!!!!

so need a slightly better system i think. mini challenge is not going to happen i think will have about 391.69 to go onto it though which will bring me too 695.99 in total so about 500 short. but still 700 is a good amount to be done in that time.

i am going to set a new mini challenge for jan-mar next year i think to clear about 1500.00 from the total and then hopefully carry that on for the 9 months then it will be nearly all gone!!!!!!!!

Planning on trying for a baby soon so really need to clear all the debt before i would go on to maternity leave as would need every penny for the bills so really have a good reason to at least make my first mini challenge for next year.

on a good point have done all my presents and wrapped them all........very happy i do not have to venture into town anymore im really not good with people pushing to shop!!!!!!

anyway off now to re-evaluate and plan savings for the new year.

jc x

jacey98

went out for my ww xmas nite last night (although going out for a italian prob not good for diet) and used my 2 for one vouchers so saved loads and got my money from the leader for the last few months which came to about 30 so very happy with that.

sold another couple of items on ebay as well. which will def pay off of the total once they are cleared.

jc x

jacey98

paid off a little bit more so total is coming down will def be under 5000 by end of january, and its so nice to see my loan starting with a 3!!!!!!! cant believe i am actually going to have it all paid off and be able to be loan free for the first time in about 12 years.

had a sort out last night ready for moving house and have got another 30 bits for ebay and threw out lots of old clutter so feeling quite good today. ebay is on hold until next year now but need to try and make an extra 100 a month to clear my 1500 over 3 months target.

jc x

jacey98

stressed today, been worrying way too much about paying for everything and moving house and changing addresses on everything and utility bills etc........ its doing my head in and not sleeping at all....which i know is silly as i dont have a massive amount of debt and it is going down well.

i really dont want to be a stress monster at all but just cant seem to help myself. feel totally drained out today and not really too sure how to get back on track.

i know i will feel better soon just need to have a moment of calm and rethink through my debt plan.

jc x

jacey98

slightly less stressed today, have done a to do list of everything i need to change addess on and am working through a few a day so its not too much of a nightmare task.

once again managed to talk myself out of a loan to clear it all as it would mean i would have to pay an extra 1140 and add another 2 years to my pay off date which is just stupid so will plod on and try and keep in my head that by the end of next year i should have almost nothing left to pay.

still have a little bit more money to go onto the mini challenge so should make about 600 which is over half way will make more of an effort in jan.

also after watching kirsties home made xmas next year is going to be way cheaper (everyone will be getting soap!!!!!!)

jc x

jacey98

and monday stress day again!!!!!! although only spent 25 all weekend which is great as went shopping with my friend (she spent 186.00 on clothes) so i do feel quite good at my minimal spend but still think should have paid it onto the cards!!!!!

think i am going o start on the payment a day in January even if its only small it should help especially with motivation if i see it going down every day think it will help get my head in gear for debt domination!

jc x

jacey98

ok well have transferred some money from my cap one onto the tesco card which is on 0% until september, so should be able to clear capital one by March latest i also have an overdraft on a second account of 441 which is not included in my signiture but hoping to also have that cleared and closed by March.....

i have made my date to be clear of debt the end of december next year which i think with careful planning and lots of think before spending should be possible.

this means can look at baby from April time which is great cause dont want to wait till i get too old!


i will have this clear next year and in the meantime i will try to worry less and just enjoy life and sell lots of things on ebay and car boot.

jc x

jacey98

not much happening at the mo out for xmas lunch with work today which i need to find 25 for but we do get it back in January (not much help now though)

am going to bite the bullett and start sorting oout my shoes for ebay i have way over 150 pairs and really dont wear them at all so as sad as it is time to go.......also not much room for them in the new house either.

right off now to get all festive before lunch have my tinsel tiara in place so its all looking good!

jc x