Back with avengence and brain in gear!

Options
Hi all:wave:

well third time is a charm or lucky and all that. so here i am diary number three and this time i will keep it going everyday (where have i heard that before i wonder!?!?!)

anyway some interesting facts about me and my debtness......

* early 30's living with OH and cat have nice house (dont need anything else for it ever)

*have managed to beat smoking addiction on 15 weeks this week (if only the weight was going as well!!)

*have terrible habits of just needing to buy things they are not needed put them back..

*have decided this is the year i will:

A. be debtfree
B. hopefully get pregnant
C. be very organised and make gifts for birthday and christmas

now the rubbish bit have £5074.88 in debt to clear as soon as possible has not really gone done much over the last few months but that is going to change.

have also recently found out that my job is probably being made redundant which really sucks, so in the process of applying for as many jobs as possible think i am on about 26 applications so far so keeping my fingers crossed.

anyway look forward to hearing from all you lovely people

jc xx
DEBT @ LBM APRIL 09 £7528.32:eek:
Total debt April 11 2482.72
A+L £770.73Natwest CC 1711.99
£2000.00 saved by dec 11 £1286.89/2000.00
DEBT FREE DATE ???????.
«1

Comments

  • beanielou
    beanielou Posts: 90,662 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    Options
    Your debt is reducing so that is fab.
    Hope you can find a new job really soon.
    Keep posting!
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • jacey98
    jacey98 Posts: 237 Forumite
    Options
    well good news have two interviews to go to now so fingers crossed that they like me and i havnt lost the ability to be interviewed after 5 years!!

    meant to say i did a car boot sale last week first one of the year and made 90 just from all my old rubbish.....so will be mainly going over the house from top to bottom this weekend to see what else can go and this time i am going to through any extra money at my debt instead of it just disapearing.

    jc x
    DEBT @ LBM APRIL 09 £7528.32:eek:
    Total debt April 11 2482.72
    A+L £770.73Natwest CC 1711.99
    £2000.00 saved by dec 11 £1286.89/2000.00
    DEBT FREE DATE ???????.
  • jacey98
    jacey98 Posts: 237 Forumite
    Options
    well a good day my debt starts with a 4 not a 5 woo hoo that is such a nice feeling to have gone down a number.

    had telephone interview last night and it was horrible feel really stupid answering the questions and positive they are thinking does this girl know what she is talking about at all?!?!?!?!?

    will find out in a week but also have a second interview for another one which means they must have liked my initial ramblings and waiting for another 10 jobs to reach closing date.

    off now to celebrate the 4 not 5 with tea and a biscuit i think.

    jc x
    DEBT @ LBM APRIL 09 £7528.32:eek:
    Total debt April 11 2482.72
    A+L £770.73Natwest CC 1711.99
    £2000.00 saved by dec 11 £1286.89/2000.00
    DEBT FREE DATE ???????.
  • devonmaid77
    devonmaid77 Posts: 59 Forumite
    Options
    Good luck with the second interview jc! And well done getting your numbers down! Will keep popping in to see how you're doing - you're already doing so well! Hope I can keep up with you!

    xx Devonmaid
    Debt free wannabe: Original debt/Payments made/Debt now
    CC1: £717.0030.00/£687.00
    CC2: £773.25/£215.00/£558.25
    Loan: £9627.00/£217.00/£9410.00
    Total debt: 11117.25 Total debt now: 10655.25
    Savings: £2 pot: £48 ISA: £13.65/£600 Mortgage costs account: £3000
  • jacey98
    jacey98 Posts: 237 Forumite
    Options
    i have started a list of things to be done that i was going to posr on here but having reached 26 things already i will try to put it into smaller chunks before i post them.

    Gearing up for another car boot next weekend though so will def need to sort a few more cupboards out this week to fill the car up. hoping i will only be doing about 5 car boots this year theni will be clutter free and a bit richer.

    have applied for another couple of jobs today so thinking that one of them must want me.

    have also come to the conclusion that i need to lose afew lbs and fairly soon as i have a wedding to go to in a month and dress slighlty tight......i then have another one at the end of June in cyprus and bikini shape i am not so time to really make a start i think............just need to clear the remaining easter eggs and i will be off and running (well fast walking maybe).

    ok off to plan new fitness regime......

    jc x
    DEBT @ LBM APRIL 09 £7528.32:eek:
    Total debt April 11 2482.72
    A+L £770.73Natwest CC 1711.99
    £2000.00 saved by dec 11 £1286.89/2000.00
    DEBT FREE DATE ???????.
  • jacey98
    jacey98 Posts: 237 Forumite
    Options
    weekeng going well have only spent 1.50 so far on some books from the car boot, my oh won the grand national so got about 100 and have spent hours digging garden and then going on a bike ride so lots of free fitness.......

    just need to get thorugh the tesco shop today then relax.

    jc x
    DEBT @ LBM APRIL 09 £7528.32:eek:
    Total debt April 11 2482.72
    A+L £770.73Natwest CC 1711.99
    £2000.00 saved by dec 11 £1286.89/2000.00
    DEBT FREE DATE ???????.
  • jacey98
    jacey98 Posts: 237 Forumite
    Options
    morning

    just waiting for a cheque to clear then going to pay some more off the natwest cc, also need to check on savings account as been paying a bit in by dd each month so must have a bit more than my total (i hope).

    had a good day sunday cleared out all of the kitchen cupboards and filled another two boxes for car boot and the kitchen is all clutter free now i am quite proud only took about 4 hours!!!!!!

    it really is amazing the things we keep. so one room done only 5 more and an understairs cupboard to go and the house will be done (as long as i dont buy anything else)

    plan to have my debt starting with a 3 by 31st May so need to sell sell sell.

    jc x
    DEBT @ LBM APRIL 09 £7528.32:eek:
    Total debt April 11 2482.72
    A+L £770.73Natwest CC 1711.99
    £2000.00 saved by dec 11 £1286.89/2000.00
    DEBT FREE DATE ???????.
  • LittleMissKitty
    Options
    Hello, just thought I'd pop in and say Hi. Sounds like you're doing really well! I think I should probably do some bootsales at some point, so much junk lying around and no enthusiasm for ebay!

    Kitty x
    [STRIKE]DFD 22/7/14[/STRIKE]:o:cry:
    OD £1200 ~ CC1 £1875 ~ CC2 £1275 ~ Tesco £4757 ~ Creation £235 ~ FIL £25750
    DEBT @ 28/03/2018 = £35092
  • jacey98
    jacey98 Posts: 237 Forumite
    Options
    hi misskitty

    thanks for popping by, i really hate ebay it does make some good money but it just takes so long to do i have had a bag of stuff to go on there for about 4 months now!!!!!!

    car boots are good if you can get a couple of you i go with two friends and its more of a social occasion then (the money helps though).

    jc x
    DEBT @ LBM APRIL 09 £7528.32:eek:
    Total debt April 11 2482.72
    A+L £770.73Natwest CC 1711.99
    £2000.00 saved by dec 11 £1286.89/2000.00
    DEBT FREE DATE ???????.
  • jacey98
    jacey98 Posts: 237 Forumite
    Options
    paid a bit more off the natwest card today so its now a nice round number as its on 0% for 15 months hoping to have it cleared by dec, going to try and pay 150 a month and any extra earnings as well (having a job still of course).

    Still havent checked the savings will try to remember tom so i can update. car booting on saturday so hopefully a bit of caash from there going to share a car as well so only 3 entry fee.

    went on 6 mile bike ride last night and am suffering a little but feel better that i have done something, think i may go swimming tonight really need to lose a bit to fit into dress for wedding (really dont want to have to buy a new one)

    have second interview on friday so fingers crossed!!!!!!!

    jc x
    DEBT @ LBM APRIL 09 £7528.32:eek:
    Total debt April 11 2482.72
    A+L £770.73Natwest CC 1711.99
    £2000.00 saved by dec 11 £1286.89/2000.00
    DEBT FREE DATE ???????.
This discussion has been closed.
Meet your Ambassadors

Categories

  • All Categories
  • 343.7K Banking & Borrowing
  • 250.2K Reduce Debt & Boost Income
  • 450K Spending & Discounts
  • 235.9K Work, Benefits & Business
  • 608.9K Mortgages, Homes & Bills
  • 173.3K Life & Family
  • 248.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards