2010 - Its my year!!!

candyblue

I have decided that 2010 will be my year!!

I currently have 29k of debt, I have been paying off £330 for the last 3 years through CCCS and I feel like I`m getting nowhere! I hit 30 this year and have decided I really don’t like my life much and it’s time for me to sort it out!

Having hit 30 I have decided I desperately want to start a family, I can’t do this with all this debt hanging over me, and also I need to lose about 8 stone.:eek:
So this year I am determined to not only sort out my finances, but sort myself out, stop being depressed and lose weight as well, all in all a busy year for me.
I am determined to get my debts down by at least 10k, an extra £500 a month on top of what I am already paying, this wouldn’t be as bad but for the first 3 months I can’t spare any money as anything extra I make has to go towards me going to my sister’s wedding in March, I can’t get out of it, I`m bridesmaid my parents are paying for me to go(its abroad) I just have to find the spending money etc, none of my family know about my debts so no way I can get out of it, but obviously I will be spending as little money as possible.
So I am going to record my years diary here, I hope people will read it and enjoy it, I will try and update regularly and hopefully people may be able to get some ideas from me and vice versa.

lincs1205

Hi Candyblue, you could be me only i'm 31, single and still living at home and my brother is getting married in december next year and i have decided that 2010 is going to be the year that i finally move out and meet the man of my dreams well here's hoping anyway. Merry Christmas
Good luck and keep us updated, everyone is really friendly and supportive on this board. Someone more experienced than me will be able to give you some advice.:D

candyblue

lincs1205 wrote: »

Hi Candyblue, you could be me only i'm 31, single and still living at home and my brother is getting married in december next year and i have decided that 2010 is going to be the year that i finally move out and meet the man of my dreams well here's hoping anyway. Merry Christmas
Good luck and keep us updated, everyone is really friendly and supportive on this board. Someone more experienced than me will be able to give you some advice.:D

Thanks for that, I have the man of my dreams just need to get on withour life, I feel we have been stood still for far too long but cant really do that with all this debt hanging over us. Merry Christmas to you too and hope you meet the man of your dreams too, keep me updated and I hope you keep popping in.:D

candyblue

Well only a few days to go of this year so I have started preparing ready for MY year. We have opened up a joint account, only been together 8 years! All the household bills come out of there, saving us about a tenner on paperless billing. At least then once Ive been paid I know all the money in my account is min,and then hopefully will be able to pay more off debts.

I have also been looking through my things to see what I can put on ebay, I will list 5 items a day in the new year, I am also nearly at £10 on poshbingo, then I can withdraw that and I have £60 pending in my topcashback account, so Im still feeling positive for the new year.

hypno06

Do you do the £10 a day challenge - lots of ideas on there for getting extra money in which will go a long way towards your desired £500 a month.

Good luck!!

candyblue

hypno06 wrote: »

Do you do the £10 a day challenge - lots of ideas on there for getting extra money in which will go a long way towards your desired £500 a month.

Good luck!!

Not yet but I will be joining in, I have been reading the ideas with interest and cant wait to get stuck in

candyblue

Well last night and again tonight i have been clearing up ready for Christmas and I have so far found about 20 things that can go on eBay in the new year:D

I have also found about 30 books to list on Greenmetropolis.com, I will also once all presents are wrapped be doing an inventory of the present cupboard so I can get ready for the sales, I will be seeing if I can get a load of 20p wrapping paper again from Homebase, I buy the plain so it can be used all year round.

I think this may be my last update before Xmas as I am so busy now:eek: but next week I will be putting my final plans in place ready for the new year ready for 2010

Merry Christmas everyone, i hope santa brings you all useful and lovely presents

candyblue

Well I hope everyone had a fab Xmas, I was well and trully spoilt, I was bought a Wii, something I have wanted for ages but would never justify having bought for myself, its fab and its part of my master plan to help me lose weight aswell.

I have a few more things to list on eBay although its not really the right time of year but they are quite expensive items so you never know,they include a Babyliss men hair cutting system and a phillips electric shavor.

I have also joined up for January £10 a day challenge as I worked it out as needing to find an extra £17 a day on top of my payments to CCCS.

I am still doing poshbingo each day whilst logged onto computer, I need to win another £1.05 so I can withdraw my first £10, also am still waiting for £60 cashback on quidco, but its taking a long time, so not sure if it will be paid or not, I do hope so.

Later I must get onto looking into cheaper car insurance as mine expires on 4th Jan and its gone up loads

candyblue

Well I feel quite depressed now, have just spent the last hour sorting out my wardrobe, I havent been able to shut the dorrs for about three years.

The wardrobe is now full of brand new clothes with tags on in a range of 4 sizes:eek: OMG I didnt buy all of them, was given some of them but still just shows where my money used to go, I suppose now it helps give me even more incentive to slim down as I have a brand new wardrobe waiting for me.

I wonder what else I will find in the rest of the BIG clean up of our bedroom:o

SkintGypsy

How strange! Must be the day for it, cos I have just cleared four bin bags of stuff from my room. Most of it not even fit for the recycling bins. Still, my room is becoming the haven I have been waiting for someone else to create for me!

To top it off, I have located a lost Croc, a lost childs slipper, and have binned cosmetic bottles/lotions/potions that were out of date when we moved in two and a half years ago. A good day.

candyblue

Well not done too much today, but here is what I have done so far

• Joined World cup challenge £2010 before 11th June
• Joined Olympic challenge £28k to clear in 31 months:eek:
• Set up new spreadsheet for 2010s challenges
• Signed up for Cashback king
• Done daily clicks
• Played POSH free bingo, although I havent won anything today
• Sown some leek and onion seeds

Things for 2mrw

• Count up penny jar
• do daily clicks
• visit bank to swap some DDs over
• Play free bingo
• List some items on eBay

Really need to get my butt in gear to make some extra money, but havent got any weddings booked for flowers, no mystery shopping jobs available and not weather for car boots:( so I think I will have to look at up your income board and see if I can find anything else