The Diary To My Dreams

Wannabe01

Hi everyone I thought I would start a diary as I am determined to get debt free.

Together me and my OH have debts of about £38,000. I have had a look at the finances over the last few weeks and reduced a number of different things.

At the moment my OH is working full time and I am working part time, running my own company and also studying full time. Over the past few weeks I have worked out a budget however after doing my SOA I have decided to revise the budget and see where I can reduce things even more.

I reckon with enough willpower I can clear my £8,000 by the end of 2010. I guess through doing this diary I'm looking for some company on the long journey to being debt free and also if things are in writing I am more likely to work hard in order to achieve them.

Wannabe01

Every day I am going to add a list of jobs to my diary in an attempt to keep me focused. My jobs for today:

• Catch up with emails - done
• Catch up with FaceBook - done
• Feed the dog and cats - done
• Walk the dog done
• Look into ways to boost income done, will start putting some ideas into practice tomorrow
• Catch up with the laundry – hang outside if it stays dry - Got some of the back log caught up with and hung outside
• Cut the grass - OH has done this job for me :j
• Catch up with the ironing - I'm going to do this tomorrow as I'm feeling shattered today and will have more time tomorrow
• Catch up with survey sites - done
• Get a quick shower- done
• Clean and hoover the house - done
• Look into new freelance jobs - done
• Complete copywriting work done
• Sort freelance logbook - done
  
• Organise debt payments and schedule the payments
• Take chicken out of the freezer for dinner - done
• Make HM chicken chasseur - done
• Make chocolate cake - done
• Update online diary
• Discuss with OH what vegetables we should grow
• Look at equipment required for growing vegetables and the gather prices
• Sort diary for next week - done
• Look on ebay for some cheap present ideas for DS. I have so far got him a BN freeview box for just over £5 watching some other items.
• Spend some quality time with DS and OH
• Check bank accounts - done
• Start to organise work into diary for August done

What a long list for me today, I didn’t realise I had as much to do today. Oh well I guess I better get started.

Smilerwoman

Hi Wannabe!

Just wanted to say welcome and good luck. Post your SOA (hopefully someone will be along with a link in a minute) so we can help you trim your budget!

You say your joint debts are £38k and your debt is £8k. Have I read that right? Or is the £8k on top of the £38k? My confusion, sorry, it's sunday and my head is pickled!

Wannabe01

Smilerwoman wrote: »

Hi Wannabe!

Just wanted to say welcome and good luck. Post your SOA (hopefully someone will be along with a link in a minute) so we can help you trim your budget!

You say your joint debts are £38k and your debt is £8k. Have I read that right? Or is the £8k on top of the £38k? My confusion, sorry, it's sunday and my head is pickled!

The £38k includes the £8k but I have decided to work on mine first and then tackle the much bigger project.

Wannabe01

Update before I head to bed today I have managed to make £8 on some unwanted CD's and £2 on a phone that doesn't even work :j

I have now sorted my work lists for the whole of next week so will stay focused and get through everything that I have listed.

I am off to bed as I have a long list of things to do tomorrow therefore best get some sleep.

talldude_2

Hiya, definately following this everyday from now on.

Sorry if I wasn't allowed to post here(!) You were actually the main reason for me joining the website with your long list of things to do (haha)

Nitha

You are right to prioritise your debt first!!

Wannabe01

Wannabe01 wrote: »

Every day I am going to add a list of jobs to my diary in an attempt to keep me focused. My jobs for today:

• Catch up with emails - done
• Catch up with FaceBook - done
• Feed the dog and cats - done
• Walk the dog done
• Look into ways to boost income done, will start putting some ideas into practice tomorrow
• Catch up with the laundry – hang outside if it stays dry - Got some of the back log caught up with and hung outside
• Cut the grass - OH has done this job for me :j
• Catch up with the ironing - I'm going to do this tomorrow as I'm feeling shattered today and will have more time tomorrow
• Catch up with survey sites - done
• Get a quick shower- done
• Clean and hoover the house - done
• Look into new freelance jobs - done
• Complete copywriting work done
• Sort freelance logbook - done
  
• Organise debt payments and schedule the payments
• Take chicken out of the freezer for dinner - done
• Make HM chicken chasseur - done
• Make chocolate cake - done
• Update online diary
• Discuss with OH what vegetables we should grow
• Look at equipment required for growing vegetables and the gather prices
• Sort diary for next week - done
• Look on ebay for some cheap present ideas for DS. I have so far got him a BN freeview box for just over £5 watching some other items.
• Spend some quality time with DS and OH
• Check bank accounts - done
• Start to organise work into diary for August done

What a long list for me today, I didn’t realise I had as much to do today. Oh well I guess I better get started.

Updated list from yesterday. I managed to get most of the list done.

Wannabe01

Job list for Monday:

• Had a quick shower - done
• Feed the dog an cats - 1 done
• Walk the dog -1 done
• Catch up with emails - done
• Check survey sites - done
• Update Twitter and Facebook - done
• Check online banks - done
• Do another 2 loads of laundry – hang outside if it stays dry
• Check mystery shopping sites - done
• Look into and enter competitions
• Tidy desk and office
• Complete copywriting work
• Sort through old email account - done
• Catch up with ebay - done
• Update online diary
• Look into freelance jobs - done
• List some old books on Amazon
• Sort menu plan for the week from stores - done
• Pay some money of loans
• Post old mobile phone I will need to leave this until tomorrow as I can't get the sim card out - job for OH tonight
• Catch up with the ironing
• Do budget planner
• Reschedule the work that was in for days that I’m on holiday next month - Last night me and OH decided that we will go away for a couple of days.
• Look into pinecone
• Organise debts and schedule payments
• Decide on what vegetables to grow and what equipment I will require
• Look into boot sales and schedule in diary
• NSD
• All meals from stores
• Look in Argos and see if the CD units are back in stock - still not available
• Contact client regarding the cheque that they sent

Wannabe01

I have decided to tackle the debt problem in two parts. Part 1 is to sort out my debts and Part 2 is to sort out my OH’s.

I have calculated that I should be debt free by the end of 2010, which if I have worked it out correctly gives me 159 days.

My debts are:

Catalogues £3000
Family and Friends £1000
Personal Loans £ £2500
Credit Card £1500

The first thing that I will do is to schedule payments on these debts. The aim is to have it all paid by the end of 2010.

Wannabe01

Debt Free Job 1:

Tackle: Catalogues £3000

What Needs Done:

1. Cancel all catalogues except the one. Keep the one that allows me to earn some money.
2. Schedule realistic payments for each of the catalogues
3. Submit a payment to each catalogue (Note to self: Even a small amount will help)
4. Review balance on the accounts

This is the debt free work for this week.