We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
Coookiewookies debt-free wannabe adventures
coookiewoookie
Posts: 34 Forumite
Well Its New years eve 2009 , sat here with a box of malteasers and debt coming outta my eyeballs,and the only source of income is my tax credits and income support as im a single mother of 4 
NO maintance:mad: ..... But hey thats 2009 this is 2010 and in 2010 the following with happen...........
1. I will pay off one of my debts completely:D
2. Hopefully return to work ;-)
3.find love!!
4.complete the sealed pot challange (£365)
5.become so dam fly !!!!
6.use my slowcooker at least once a week :rolleyes:
I have a little book ready aka my spending diary !! Now january 1st will be a nsd!!!!!!
I cant wait to get stuck in !!!!
I apoligise in advance for poor spelling and grammar i am dyslexic:o
NO maintance:mad: ..... But hey thats 2009 this is 2010 and in 2010 the following with happen...........1. I will pay off one of my debts completely:D
2. Hopefully return to work ;-)
3.find love!!
4.complete the sealed pot challange (£365)
5.become so dam fly !!!!
6.use my slowcooker at least once a week :rolleyes:
I have a little book ready aka my spending diary !! Now january 1st will be a nsd!!!!!!
I cant wait to get stuck in !!!!
I apoligise in advance for poor spelling and grammar i am dyslexic:o
Storecard = £5 per month (interest frozen)
Halifax cc = £1027 not currently payin:o
Halifax overdraft = £1700not currently payin:o
Barclaycard = Pay £15 per month (interest frozen)was 1209 now £994
Halifax cc = £1027 not currently payin:o
Halifax overdraft = £1700not currently payin:o
Barclaycard = Pay £15 per month (interest frozen)was 1209 now £994
0
Comments
-
welcome to diaryland and good luck and happy new yearAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.1K updated 14/11/250 -
Hi! There appears to be quite a few of us starting debt free diaries for the new year. Hopefully 2010 will be a good year for moneysaving for us and that we can stay on track!
Happy New Year!
HayleyMoney paid out from Topcashback so far= £105.89 :j
No buying magazines in 2011 Challenge- Number bought to date= 0
0 -
Happy new year to all my readers xxxxStorecard = £5 per month (interest frozen)
Halifax cc = £1027 not currently payin:o
Halifax overdraft = £1700not currently payin:o
Barclaycard = Pay £15 per month (interest frozen)was 1209 now £9940 -
January the 1st ;-) is a no spend day bit of an easy one really!
Hoping to get in 3 no spend days per week ;-)
I am only going to spend on certain days of the week Sundays because thats the day i do my weeks shopping . I havent figured the other days yet lol !!
sorry short post !Storecard = £5 per month (interest frozen)
Halifax cc = £1027 not currently payin:o
Halifax overdraft = £1700not currently payin:o
Barclaycard = Pay £15 per month (interest frozen)was 1209 now £9940 -
:o Very ashamed to report i have fallen off the wagon :mad::mad: Im so mad
I only meant to go to Next to return stuff , but instead i ended up coming back with £40 worth of goods i was only going in for a £14 refund :eek: .....I wish i knew how to combat this spendaholic syndrome in me ;-(:o but i have a massive weakness for Next kids clothes...this has really f-up my budject for the week 4th jan was supposed to be starting a fresh :mad: , so now i will have to go into my over draft for the week ;-( no money going in till friday so i will have to start the week after SHAME ON ME .........Storecard = £5 per month (interest frozen)
Halifax cc = £1027 not currently payin:o
Halifax overdraft = £1700not currently payin:o
Barclaycard = Pay £15 per month (interest frozen)was 1209 now £9940
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.9K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.7K Spending & Discounts
- 246K Work, Benefits & Business
- 602.1K Mortgages, Homes & Bills
- 177.8K Life & Family
- 259.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards