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A journey of a 1000 miles must begin with single footstep....
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Can you have space in the kitchen you're sharing for food so you can do a proper shop? Or buy food between you and take it in turns to cook?Loan - [STRIKE]£6991.95[/STRIKE]£6180.01; Barclays Res - [STRIKE]£600[/STRIKE] £0 - £22 per week :eek:, NWB Grad O/D - [STRIKE]£1185[/STRIKE] £887.86 18.28% SWALEC - [STRIKE]£700[/STRIKE] £0 NPOWER [STRIKE]£220[/STRIKE] £0 Kays - [STRIKE]£591.28[/STRIKE] £0 TOTAL DEBT - [STRIKE]£10,288.23[/STRIKE] £7,000.01 31.96 % Paid off. BS Fund - £1 Savings Fund - £41.17 % Challenge Member 10
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Yep really want to get cracking with it again, but its so much harder now my outgoings are much higher. I have to pay more rent than before and as I don't do a proper food shop now I seem to waste much more money.
I have been buying lunch from the sandwich van at work reasoning it was only £1.50 a day for a wrap, I put a stop to that from yesterday though as I realised that was costing me £30 a month!
It is hard with high outgoings, I found that when I lived on my own.
Maybe you could start with trying to tackle the food budget - even if it is just taking your own lunches to start with - maybe once that's under control it will feel easier to work out a new budget overall?
You've come this far, there's no way you'll fail!Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j0 -
29p sent to LloydsLBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)
Barclays: £2,928.34 Lloyds: £2,499.60
MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00
Surveys: £6.60/£40.000 -
Can you have space in the kitchen you're sharing for food so you can do a proper shop? Or buy food between you and take it in turns to cook?
It's a bit complicated in as much that her husband is moving back in at the end of the month so they are dating and sharing meals together again now.
Also I am never sure how many nights a week I will be spending at my lovely new boyfriends house, who is a fabulous cook!
We do share the cost of things like toilet roll, washing powder etc.LBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)
Barclays: £2,928.34 Lloyds: £2,499.60
MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00
Surveys: £6.60/£40.000 -
It is hard with high outgoings, I found that when I lived on my own.
Maybe you could start with trying to tackle the food budget - even if it is just taking your own lunches to start with - maybe once that's under control it will feel easier to work out a new budget overall?
You've come this far, there's no way you'll fail!
Definately no more buying sandwiches off the van! I think I will just live off pasta and stir in sauces, cheap and easy to just keep in the cupboard for when I'm there!LBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)
Barclays: £2,928.34 Lloyds: £2,499.60
MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00
Surveys: £6.60/£40.000 -
I joined the gym last month, it costs me £35.00 a month but I go every single day practically and its good for my sanity as I need some space from my house mate!LBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)
Barclays: £2,928.34 Lloyds: £2,499.60
MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00
Surveys: £6.60/£40.000 -
1st goal:
Get Lloyds under £3k by the end of May - ok so only £337.85 needed to achieve this, but it seems like a good place to startLBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)
Barclays: £2,928.34 Lloyds: £2,499.60
MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00
Surveys: £6.60/£40.000 -
Hiya Woo
So glad to see you back in the MSE mood again and your life is looking good too:j. Good luck with it all.
I found 21p this morning cleaning out a drawer:j
It doesn't take much to make us happy does it:p
take care and keep posting
E"You are never too old to set another goal or to dream a new dream"C. S. Lewis
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2nd goal:
Get to £10.5k by end of May - currently £90 short of achieving this.LBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)
Barclays: £2,928.34 Lloyds: £2,499.60
MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00
Surveys: £6.60/£40.000
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