D2BDF's Aim to be debt free in 2011 (hopefully!)

Determined_2b_Debt_Free

littlekel wrote: »

I am pretty lucky - it was OH who started reading these forums and go me into reading it - then i joined! He is very MSE!

Really! That is so lucky - that means with both of you being MSE that's a good recipe for success. I don't think I'll ever get my OH as MSE as :money:, I can only hope for a bit of improvement (which to be fair has happened since we've been together). I think it's being in sales that's the problem, most of the people he works for strive for bigger and better things all the time - that's what keeps them motivated.

Determined_2b_Debt_Free

DONE IT!!!!!!! Made the first overpayment :j

And also set up several accounts for budgeting Am quite excited about that.

The overpayment hasn't given me an updated total yet and the standard payment comes out next week so I'll update the new balance when I know it.

Determined_2b_Debt_Free

Forgot to say I also found an account with £20 in that I'd forgotten about AND I got my Health in Pregnancy grant through today too! (although that's not going towards the debt) It's been a good day for the goal I think.

Choc-addict

Hello :wave:

Just been reading your diary, very inspirational already Super organised :T

Congrats on pending baby, how exciting!!! Bet it was great making your first overpayment?!

Have subscribed so will pop back to catch up again soon xx

mummy2mygirls

WooHoo on your first over payment - im sure its the first of any as you seem so organised with it all
Hope your having a great weekend
x

OlipopsMummy

Hi just popping in to have a nose on your diary after you popped up on mine! Well done on first overpayment and your HIP grant, now what are you gonna buy with it!! guilt free baby spending!!
Oooh and congrats on the £20! You seem to have your priorities so right and setting up your budget accounts is a really great idea, I wish we had done all this before baba no1 and we wouldnt have got into half of this debt, but nvm you live and learn!

roomontheend

WOW, first payment thats great news.

I have been having a bit of a clean out today and I am going to write a list of todo's for teh coming week. I need to car boot/ebay more stuff, money for things you no longer want or need is great.

Determined_2b_Debt_Free

Hey everyone :wave: Thanks for popping in!

Choc-Addict - Thank you! It felt really great making the overpayment, it's so weird going about things in a completely different way to what you're used to but if I hadn't have found this site I NEVER would have ever considered making overpayments and paying off the loan early. I'm hoping it will be a new way of life forever :j

Hi Mummy2mygirls :wave: - Thank you too, I don't really feel organised but I'm sure I must be more so than before. Hope you're having a good weekend too!

Hi again Olipopsmummy, thanks for popping in, to be honest I wish I'd started a lot sooner than this too but I guess we all find our way at some point and better late than never. I've put my HIP grant away and I plan to do some things with bubs when he/she arrives like baby gym, baby massage, sing and sign - that sort of thing - I felt that it would be good for both of us if we made an effort to get out and meet other mums and babies socially but I might not have much money to do it so I'm kind of setting that aside... so maybe not health in pregnancy as such, but health post-natally! I'm terrified of PND so I want to make sure I get out an about. What about you?
I'm lucky that our relatives are sooo amazingly excited about the baby that they want to help out with baby things (and I've also got a lot of pre-loved things too).

Hope you're all enjoying the long weekend :beer:

Determined_2b_Debt_Free

roomontheend wrote: »

WOW, first payment thats great news.

I have been having a bit of a clean out today and I am going to write a list of todo's for teh coming week. I need to car boot/ebay more stuff, money for things you no longer want or need is great.

Hi Roomontheend :wave:

Thanks! I know what you mean, we've had a massive Ebay-fest today, I get so addicted to looking at the watchers and bidders though - I'll be logging on everyday for the next week :rotfl:
Feels so good to have a clear out too - enjoy the extra space (and money!)

Determined_2b_Debt_Free

So today we've spent all day sorting out Ebay stuff at home and now have a total of 36 items on Ebay!! :j

I actually do think OH has made some progress today as he's been photographing his beloved vinyl collection. We've sent a list off to a website who buy vinyl to see if they want any of it, doesn't look like vinyl is going that well on Ebay atm and as it's his lifetime collection he doesn't want to give it away - fair enough. He's also been up in the loft getting stuff down and is up for selling lots of his clothes that no longer fit - I have to say I'm so impressed with him. I decided that our first debt free month we can start saving for something that he would like as he has given up quite a lot over the last few years. He used to have a drum kit and really did play it a lot. He sold it when we moved to this house and bought a Dyson vacuum with the money . I'd love for him to get it back one day (fully paid up front of course) and enjoy it again. I'm hoping that's given him a bit of an incentive to come on board with paying off the debt early. I also feel he's starting to listen more about when we could be DF if we worked hard about it - rather than it going over his head.

Anyway I have also done the first wash of the nappies as it was a good drying day. I really do have quite a big stash now and it was lovely to see them hanging on the line Can't wait until there is a little soft (poo-y) bum in them :j

Will keep you updated on the Ebay progress.

Enjoy your weekend!