Fresian's Final Push...Mooooving Towards Freedom

mooomin

Hello People of the Internet!

For those of you who don't "know" me, I'm flying_fresian I'm 29 and I live with Mr Fresian and our two cats in Edinburgh.

I first came to MSE in late 2008 when I had debts totalling £9,112.63 I had been thinking about a consolidation loan but luckily found this wonderful place and the PAD thread and the rest as they say is history. My previous threads are:

Flying Out Of Debt (Hopefully) This is an ickle diary!

Flying Gleefully Into 2009 - One Fresians Adventures In Debt-Busting

Mooooving Into 2010 - Bovine Adventures in Budgeteering

Frugal Fresian's 2010 Adventures In which our heroine tries (and fails) to live on £8,000 for the year.

So, I originally had debts of £9,112.63, and today I am lucky to say that the situation is a lot better. I have one loan at the moment, with a savings account into which I'm paying money every day to repay the loan early:

Outstanding Loan = £3,318.74
Savings = £1,338.26
Actual debt = £1,980.48

So, I have just under £2,000 left to pay on my loan. I have less than £100 outstanding on a credit card as well, which will be repaid this month when I receive my Quidco money. I promised myself a long time ago that I would be debt free by 30. I have 174 days to go until my birthday, which means I have to repay £11.40 per day. This won't happen every day, but I am going to get back into selling things on Ebay/Amazon. I am entering lots of competitions and am selling anything I win that I don't really want.

Being debt-free seems so close now that I wanted to set up another diary to try and maintain the motivation, as I have noticed myself becoming lazy again and spending money on things I don't need like lunches and clothes. This has to stop!

Feel free to join me on my bovine budgeteering adventures

mooomin

Spends yesterday/today:


New shoes (New Look) £8
New shoes (Irregular Choice....BAD FRESIAN) £45 I love them but I may well return them due to guilt
£19.50 in Boots (Tights and hair dye)
£8.47 on stationery in WH Smith. In my defence, Pukka pads were BOGOHP and I had a £5 voucher, meaning I saved £7.50
Lunch both days

I also bought a train ticket as I was working in Glasgow today, but that's fine because it's reclaimable.

So, you see what I mean about the impulsive buying This shall stop as of now. Honest. I'm going to confess here to make myself guilty too

LuckyBiscuit

Good luck!!!!

Primula

Definitely joining you on your final journey to debt-free-ness..........off to subscribe now

mooomin

I've now gone through my coin jar and have got £17 of bagged coins ready for the bank tomorrow. That will go to the credit card I think.

shrimpy_80

Hello f_f, I am with you on the final push, I thought the last leg of the journey would be a breeze but it seems to be taking forever! I haven't really been too bad with the spending but I've lost my mojo a bit when it comes to extra money making. Will be popping in for virtual tea and a much needed poke in the right direction!

mooomin

shrimpy_80 wrote: »

Hello f_f, I am with you on the final push, I thought the last leg of the journey would be a breeze but it seems to be taking forever! I haven't really been too bad with the spending but I've lost my mojo a bit when it comes to extra money making. Will be popping in for virtual tea and a much needed poke in the right direction!

I think that the end is the worst bit!

I'm trying to remember that at the moment I have rent money coming in from Mr Fresian's [STRIKE]evil[/STRIKE] sister, which is an extra £300 to blast the debt with. I also need to remember not to use this for fripperies, but for important debt-busting! I am going to spend some of it at the Edinburgh Fringe though

mooomin

Received money from my last Amazon sale today, so that's £9.81 sent towards my debts. I have made a payment of £24.81 towards my credit card today, so that's going to be sitting at £64.94 by next week, which is very pleasing!

I'm going to have to buy lunch today as I don't have any bread in the house, but I think I might just have enough Advantage points to buy it from Boots. If not, I will head to Morrisons for a cheap sandwich as I'm bringing in my own bottled water at the moment thanks to my last Costco trip :A

beanielou

Happy new diary
On the shoes I would say keep them & enjoy them & draw a line.
Happy weekend

Primula

Yeah, I would agree with beanielou re the shoes, you've done amazingly well over the last couple of years and you are on track to be debt free by the time you're 30 which is b***** wonderful woman!

taka

Happy new diary f_f! :hello: