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I have done nothing yet but writting here is the only way that will make me do stg...

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  • beanielou
    beanielou Posts: 96,721 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    IF your son already gets DLA think about a cinema exhibitors association card.Means a carer gets in free.Think card is about £10 & is valid for a couple of years

    http://www.ceacard.co.uk/ & I hope this helps (HTH)
    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.
  • 40somethingmum
    40somethingmum Posts: 2,513 Forumite
    Hi WTBF :)

    I have just read your opening post and just wanted to wish you luck. My son is on the autistic spectrum , so I totally feel for you and your son on the aspergers front .

    I am now off to read the rest of your diary . Will catch up with you later.

    Love

    40Smxx
  • Buffythedebtslayer
    Buffythedebtslayer Posts: 18,924 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hello, I have been lurking - which always sounds rude, just wanted say think you are doing a brilliant job and listen to Beanie - she knows stuff about things like that.


    Buffy xx
    Nevertheless she persisted.
  • Car
    WOOPING total of £3528 extra money will be needed from June 2010 till June 2011

    Ok now I lost the plot because I can not stop laughing :rotfl::rotfl::rotfl:

    Well after careful considerations, I decided to tackle this issue by reducing the expense minimum 20%
    Some things in my original list cannot be changed such a Car Licence. If it is £180 then so be it but there are some items in the list such as travelling to my parents etc.. I can reduce the totals on them. 20% less spend means instead of £3528 , I need to find £2822. This will be a good compromise, £700 odds knocked off from my list already...:)
    Don't forget smiling :):):)
  • joshua_blue
    joshua_blue Posts: 163 Forumite
    WTBF

    just a quickie to say... "well done" on making progress
    Jan 2010 £39,300 Now £29,630 Reduction £9,670 (24.6%)
    DFD July 2017
  • mz_grim
    mz_grim Posts: 155 Forumite
    Part of the Furniture Combo Breaker
    Hey WTBF hope things are going well. Just so you know every little bit counts
    Car Loan [STRIKE]$4471.47[/STRIKE] $1,254.70, CC1 Approx $4900, CC2 $108.00, HECS (student loan) $26,213 Total Debt - [STRIKE]$35,712.76[/STRIKE] $32,475.70
    DFD - September 2014
    Savings: Not smoking pot $397.98 (16/7/10), House Deposit $11,925.24 (16/7/10)
    Savings Total - [STRIKE]$12,013.06[/STRIKE] 12,323.22
    NSD Challenge June: 15/15 July: 9/12
  • Hey WTBF - looks like you're making a fab start to this. By the way, does your mum live abroad? Could you tie in a visit to them with a holiday for you and your son? Perhaps stay a little longer and go on some trips?

    Will keep popping in to see how well the stuff from your garage is selling :D
    Me, DH and DD (17 months) clearing our debt for a better future. Then (LBM) = £21,636.43 (Oct 2009) Now = £12128.07 (44%)
    GOALS/CHALLENGES
    Try to get credit card to £2k by April 2012 (was £3014.94)
    PADing to clear CC 1/1/12 TOTAL: £32.00
    Ditch 100 in January challenge: lost count but way over 100!!!/100
  • Want_to_be_free
    Want_to_be_free Posts: 316 Forumite
    Debt-free and Proud!
    edited 25 May 2010 at 7:41AM
    Before I forget, I commited myself to following
    Virtual Sealed Pot Challenge 2010 #71
    Sealed Pot Challange 2010 # 964
    Don't forget smiling :):):)
  • Want_to_be_free
    Want_to_be_free Posts: 316 Forumite
    Debt-free and Proud!
    edited 25 May 2010 at 8:24AM
    So far ...

    Calculated my shortfall for next 12 months, it was £3528 but decided commit myself to reduce it min 20% so now it is £2822 and I will try to reduce it even further considering this is the money I really do not have.

    I looked into my budget, in red- Re-budgeted, and now in green – Monthly Income £2026,29 , expenditure £1892 / But income might reduce at any time.

    I did online Benefit check but it is no good, so I am off the CAB this morning at 9.30 am for a total benefit check.

    I sorted out unpaid gas & electricy issue by setting up DD and agreed on a fix price of £111

    I am going to HSBC this Friday to see if I can go into some kind off interest free payment terms with them.

    I am going to my current bank and set up basic savings account for virtual pot challenge.

    I got myself a jar for sealed pot challenge and started filling it with the money lying about , at the moment there is £12.17 – and really these are all little change, I cannot believe this…

    I sold 2 items on Gumtree and made £55

    Cleared out my garage and going to do CarBoot this weekend

    I already made several calls in order to reduce my monthly expenditure and that will be another post.

    Ah and I applied to work on Air show in June and received an email stating that someone will call me. Additionally I called an event company who are looking for people to work at the Festivals, filled the forms but rather then sending them I will go their office and hand it in , more effective considering it is a very small office …
    LOL now I can go and have a shower_ GOOD MORNING EVERYONE:j
    Don't forget smiling :):):)
  • Want_to_be_free
    Want_to_be_free Posts: 316 Forumite
    Debt-free and Proud!
    edited 25 May 2010 at 11:05AM
    Ah cannot leave…
    One more thing, I have online spending diary too…It makes me think about what I do. I spent a big fat zero on Friday and Saturday, I bought petrol on Sunday for £45, which should go for 2 weeks… And one naughty lunch at work £2.75 only because I was madly busy, madly tired and madly late to the work in the morning ...oh excuses, excuses ...
    Don't forget smiling :):):)
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