New Year Still Broke

paulwf

You can live an enjoyable life on an income of £1,000 a month after tax. That would give you £1,600 a month to pay off debts, and with the level of shopping perhaps you have some stuff of value you could Ebay?

If it wasn't for added interest you could be straight in 3 years without BR, obviously the interest is going to slow things down considerably but the more it comes down the less the interest gets.

£160K of debts when you could be having such a large surplus is an issue you definately need to find the root cause of.

slummymummyof3

Well done on no after work drinks for 2 days!!

Money saving is highly addictive once you get in to it - I expect you will find that most of your work colleagues are feeling skint after Xmas as well.

Shoe_Gal

Hope you've had a good day and are still feeling positive

slummymummyof3

Was it after work drinks tonight then?

suzzybabe

slummymummyof3 wrote: »

Was it after work drinks tonight then?

No drinks tonite and home coffee

You are right I could get used to this economising

Suzy xx

Day three

slummymummyof3

Well done you! You must be feeling really proud of yourself!

suzzybabe

paulwf wrote: »

You can live an enjoyable life on an income of £1,000 a month after tax. That would give you £1,600 a month to pay off debts, and with the level of shopping perhaps you have some stuff of value you could Ebay?

If it wasn't for added interest you could be straight in 3 years without BR, obviously the interest is going to slow things down considerably but the more it comes down the less the interest gets.

£160K of debts when you could be having such a large surplus is an issue you definately need to find the root cause of.

That's cool to say that Paulie

I get the feeling though No matter how hard I think it is going to be I am going to wind up wishing it had been that easy!!

Another piece of magical thinking from Suzy xx

slummymummyof3

Have you thought of ebaying some of the stuff you don't use anymore Imelda Marcos?

tigerfeet2006

Suzy, have you had a look at the budgeting tool? It is very good and might help you.

http://www.budgetbrain.com/budgetplanner/edit/13432

You're doing fantastic, you can do this.

suzzybabe

slummymummyof3 wrote: »

Well done you! You must be feeling really proud of yourself!

I am sort of but it is January

January is the month when many of us turn in on ourselves and usually find something wanting For a few weeks at least, we fervently believe in new beginnings, positive thinking, and the mantra "You can do it" - even if, by February, we often conclude that we can't (or at least can't be bothered)

Coat my resolutions in aspic and wake me up when September ends (Could write a song with that line? lol)

I did a snowball calculator on all of my debts and paying at the rate I am at the min It will take me eighteen years to pay off all my debts What a horrifying thought

I will have to wait and see what the CAB suggest

Suzy xx