A journey of a 1000 miles must begin with single footstep....

Woowoo

My short term goals are:

1. Reduce total outstanding debt to £10,500 by end of Jan 2011 (currently £221 short).

2. Clear Lloyds CC by end of July 2011 (currently £1829 short :eek:)

Happytogetdebtfree

Simples. Payrise unexpected cash income your well on your way you can do it :-) xx

Woowoo

Hi Happy

You ok?

I was just looking at my budget thinking of course what I really need is a bloody payrise lol!

Happytogetdebtfree

Where can you shave back for the extra pennies from now so 14 months 100 and some saves 25 a week 3.50 saving a day see where you can find some of that now a magazine a cuppa a mixer. You can do it :-) xx

Woowoo

When you say £3.50 a day it sounds really easy Happy!

I have already cut my budget to the bare bone. I am going to aim to shave £5 off the Tesco shop each week though, thats a starting point anyway.

Happytogetdebtfree

I'm tired but can't sleeep arghhhhh lol. I want to meet my dfd but I don't know what I can get rid of orrrrr what I can shave back on I've shaved back on so much before. But I just need to wave bye bye to the big spends stop seeing the excess as mine so to speak x

Woowoo

Even if you just manage a couple of months being really strict Happy it will make a difference to the overall DFD, it's just getting back into the mindset where nothing else matters more than being debt free x

Happytogetdebtfree

Well it's getting that tome of year Xmas gifts etc lol my aim this year was to pay 20k and if I can do that if not carry the remaining onto next years target I've to think of payrises unexpected income and once home is done my big out lays will be finances I'm aiming to lay an extra 6-700 a month on top of what I pay which should get me towards my date I'd love 2012 that's when the secure loan can alter apr and I'd be sickened if it went higher so I'm trying my bestvto shake a leg so to speak legs just stuck on a mud hole at the moment haha x

Herewego

What have I done to you, Lloyds will be posting a downturn in profits at this rate. Cant be a bad thing cutting the budget again well done on them extra payments.

Woowoo

You've given me a gigantic kick up the bum HWG!