What are you doing to get debt free .... join in!

grimelda

foreverskint wrote:

Working on adult chat lines to earn extra money:o

But it is a laff:rotfl: :rotfl: :rolleyes:

How do you get that kind of work?

Boobylou

Great thread

I have done the following :-

• Changed current account
• Changed savings account
• Cancelled Sky movies (still under contract for the rest)
• Changed telephone provider
• Acknowledged my total debt (which has to be the biggest thing of all for me)
• Changed household insurance provider
• Changed car insurance provider
• Moved as many credit card balances as I could to lower interest rates
• Got rid of my hubby and his debts (yay!) not just because of MSE tho!
• Changed gas provider
• Changed electricity provider
• Joined pigsback
• Joined freefivers (and have received my first cheque!)

I am sure there are many more things I could think of but the above is a list that I produced in a couple of mins!

CAFCGirl

erm..... cor blimey............ well done everyone!

right I have
*Acknowledged debt! And my ability to control the situation
*Signed up and got 4.95% pa LOB deal, transferred CC debt from 18.9% card
*Changed insurance provider,should get cheque from Barclay for £50 for that
*Found 100 euros on floor and got to keep £50 of it
*Got on top of housekeeping schedule
*Swapped to 3 mix washing powder,going well and clothes smell lush!
*All DD set up to avoid charges
*Letter sent to cancel PPI on credit card
*Applied for 2 new jobs offering at least 2k more per year.
*Paid off honking British Gas bill of over £1,000
*Got new flatmate who pays £100 to bills
*Signed up to sky, sounds wrong I know but now dont spend half as much in Blockbuster/dvd's, half between flatmate and self and got 6 months half price
*Online banking so I know where I am
*Applied for smile account as now hate Abbey!
*Sold 3 books on Amazon, £10 better than nothing
*Sold shoes on ebay made over £100
*Stopped buying cds and dvds, now get copies
*Stopped buying clothes and other un-needed items
*Admitted to self that do have issues, brought on by mild depression which has led to emotional buying and thus further issues and debt
*Signed up to quidco and pigsback but yet to figure how to work the system
*Started own debt diary

Thats about it really.
But I'm pretty happy about where its all going and how I'm gonna get there

JayneC

Hi again, thought of a couple more

I grow some veggies and herbs in back yard

Ihave worked out how much i need for day-to-day spending and take out just enough cash to cover it - when it's gone it's gone!!

Taken credit cards out of my purse so can't be tempted

Have joined quidco

WILL join library, although haven't really got time to read, spend all my free time here!!!

I have also worked out approximately when each debt can be paid off and this is inspiring me to keep going

Have stopped buying magazines (I had abit of an addiction!)

Always buy things in the sales rather than full price and now ONLY when it's needed.

This thread is great, really inspirational.

XXXXXX

xx

funkymonkey

ive done the same this year and have a veggie patch in my garden - not that veg is particularly expensive - its just so much nicer straight from the ground!

funkymonkey

am curently on the phone to sky to cancel - i did this a few months ago and they gave me 6 months at £9 but its a luxury i cant afford! it has to go!

bet they try and make me stay! i must be strong..................

funkymonkey

all done - it was hard! they offered me the 4 pack for £7.50 a month but i said no! i know its a great deal but the principle is i cant afford it! just LOOK at my debt! lol

Dr.Shoe_2

Signed up with talktalk unlimited calls package including free broadband. Not as good as BT/Yahoo but infinitely cheaper- Saving=£24.99 PM

Negotiated payments with a debt collector £15 per week (I'm paid weekly) this is effectively interest free as they've bought the debt. If I pay early I get a rebate too! (Imperial Solutions (UK) very helpful and friendly). this is about half of what I was paying before.

Got my boss to pay me an allowance for using my mobile at work instead of using a firm's phone. He can set it against tax and I make a small profit!

Managed to negotiate an upgrade for my phone and a £15 per month discount!!!! I would have got only £10 with no upgrade .

My last payment for my bank-loan goes out Aug 6th that gives me an extra £115 per month to play with. I'm going to use this to bring my overdraft down.

FrugalAussie

Great idea for a thread as it makes me feel positive about changes I have made rather than fretting on what still needs to be done. Some things I have done which have saved me money and given a sense of control over spending:

Try not to buy books, certainly not the ones available free at the library (I put in a request and the new releases get to me fairly quickly).

Same goes for magazines.

Changed phone provider which included a cheap mobile phone deal and as I hardly use the mobile it is usually free.

Instead of driving to train station now catch the bus so save at least $50 per fortnight as train station is 19 km away.

Pay my teenage kids an allowance which they have to budget to pay for clothes, fares, phone credit, hair cuts, make up, entertainment, gifts etc. This has worked a treat and saves a lot of stress as I was always being asked for money and having to say "no" which made me feel mean.

Never buy clothes unless they are on special or from an op shop.

Take lunch to work most days.

Have stopped eating meat. This decision evolved after starting to eat healthier from the beginning of this year. My 15 yr old daughter wanted to go vegetarian so we did it together about 3 months ago and have been eating so much better. Son still eats meat but we do save some money.

Don't shop for entertainment (this is easy as I hate crowded shopping centres).

Dye my own hair and wear it long so a cheap trim is sufficient.

Have a front laod washing machine which uses little water and half the amount of wash powder.

and thanks to all who contribute on MSE I get some great ideas and motivation to take care with my spending.

fizzel81

im trying!!!!! but not as msuch as some of you reading through there is more i could cut back on (im also kicking myslef for buying a baby item i just do not need ok so 25.00 is not a huge amouth but i got carried away!)

what have we done.
Started spending less in supermarkets by trying value foods/buying less junk and ive stopped buying so many cleaning products.
Put dh on a payg phone (any1 who remebers my soa will remeber how big his monthly phone bill was around 150!! now he gets 25 a month which i still feel is too much!)
done a boot fair and shifted alot on ebay and still have some to go
started using washable nappies and will be with new baby when he gets here
got such a basic bank account i cannot use it online or shops i can only spend the cash i have on me!
set up bills like elec/gas/phone to dd you get a small saveing per year and set them to come out account start off month when i know i have money to cover them hence saving on any charges
started using the os board
buying less take aways when i cannot be bothered to cook
spending less on kids clothes by using sales and places like tesco
im sure there is more i just cannot think!!