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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
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welcome to diaryland and good luck and happy new yearAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/250 -
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
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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
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