2010 will be my debt free year!!! Please join me.

mrscmr

Hi Spendtoomuch... good luck on ur journey!

if you are into ebay, we are setting up a new challenge for 2010 and you are very welcome to join!

ebay has saved me this year and has brought in some very much needed cash!

i wont be debt free in 2010 or 2011 or 2012 but one day i will !
xx

spendtoomuch

hi mrscmr and thanks for your good wishes. I will look at the ebay challenge and may give it a go. Just looked at your profit, OMG what did you sell? You are on the road to being debt free and thats the main thing! x

mrscmr

ah... well... im selling the entire contents of house... well sometimes it feels like it... remember i have big debts due to spending way way too much in the past. but never ever again... we have learnt the hard way!
xx

spendtoomuch

mrscmr do you have a diary I could look at? Most of us on here learn the hard way! I could cry when I work out how much spare cash there would be if I had no debt, its criminal! x

mrscmr

i do have a diary.. diary of a poor person aged 46 1/2.... thats me! this site has changed my life and there are many good and supportive people on here.

too_much_debt

spendtoomuch wrote: »

hi mrscmr and thanks for your good wishes. I will look at the ebay challenge and may give it a go. Just looked at your profit, OMG what did you sell? You are on the road to being debt free and thats the main thing! x

Hi spendtoomuch

Just wanted to second the Ebay challenge, I have been doing this too and it is great, mrscmr is a great motivator on there and I've often tried to list as many items as she has but haven't succeeded - yet!!!

Good luck with everything.

spendtoomuch

fab, I am off to have a look now. This site is amazing, nobody judges you. I never speak to my own family and friends about my debt as I fee so stupid but on here you can, its great. x

mum2one

just thought I'd pop by and say hi, love the diary, its motivational, i found on mine, that by writing it down feel that I'm not just letting myself down, but others.
My debt free date not till Nov 2015, got my 40th Mar 2011, so DD and I are off to the Dom Rep, its been her dream sinnce she was 2 to swim with the dolphins.
As my sig says I'm on the secnic route.

Have you thoiugh of doing a budgeting plan and c where you can cut back from there, I can appriciate there are certain things you can't change.

Just a thought re water, have you tried a water figure, i hate tap water, and use to be bottled water only, saved a fortune, just a cheapie from amazon, and the cartridges last 4 months. xx

BabyBetty

Hi Spendtoomuch,

Just wanted to say hi and hoping to read you diary over the coming year.

I am also planning on digging my way out of debt.

It feels like a struggle at times but it will be worth it.

BB

spendtoomuch

Hi Mum2one and BabyBetty and thanks for posting. Re the bottled water thing, the one he drinks is the volvic touch of lemon and due to his Aspergers he would know if it was not the exact brand and flavour unfortunately. I do get disability living allowance for him so I kind of think it should be spent on him anyway. Mind you it will go to him when he is 18 which is in June so then he will pay keep! He is on an apprenticeship earning £100 at the moment.

Wow Dominican sounds fab. My biggest motivation is to take my lot to Florida and I could take the money out of the inheritance I get but I WILL NOT, its paying off debt and I will do the sensible thing and save when the debt has gone.

I do need to do a budgeting plan but find it hard to stick to a food budget. What do you do if you go over, put things back. I might start shopping online as at least you know how much you are spending and can put things back! There is the delivery charge to pay but I figure you won't be as tempted to pick up things from the shelf cos they look good!

Mum2one I am sure you have a diary don't you? Bettybaby have you got a diary and if not have you thought of starting one?

I am off today to buy a bike for DS2 (his own money he got for Christmas) and DS3 wants to buy a Wii game with his money. I so want my boys to be better with money than I have been and they both save into the school bank each week. My parents were very frivilous with money when I was growing up and although I don't blame them for me being the same I do think it has some bearing and I want my 3 to know the value of money and save.

You are right Mum2one writing it down does really help. I do feel I have let my family down by getting into debt but I know I have a chance to change that now.

xx