Start of my Debt free life.

jwil

o2bfree wrote: »

think I should continue where I started.
I have neglected my diary again......but have been reading all the goings on.
I feel in a slightly better place now......I have sadness issues with Christmas but it was lovely and over too quickly as always.

I recieved some really lovely gifts and have no need to buy toiletries for a year, make-up for about 9 months and perfume til at least May so no money spending there.
We have enough food and sweets in the cupboards to last a few weeks so just bread and fresh bits to buy.

On to plan for 2011.....

Joined jwil's challenge and pledge to reduce my debt by £6000.
Going to get a sealed pot sorted and save at least £1 a day.
I got a lovely purse for Christmas that has lots of different sections....great for budgeting....a section for groceries, petrol, spends etc. will be deciding on amounts in the next couple of days.
Going to continue over-paying nasty CC but also want to get rid of my smallest debt by June. It will be hard but going to give it my all.

Fingers crossed......and try to up date diary more regularly

Glad you had a nice Christmas, and good luck with the challenge for next year!

o2bfree

Happy New Year to you all

First day of the year so Debt-busting starts in earnest.

Today will mostly be about lists- how much to allow each week for groceries, entertainment, petrol etc. - how much is owing - how much overpayment I can do.

Once lists are complete I shall up date you all with my plan.

pennywisepoundstupid

Happy new year.

mintymoneysaver

January 1st is a great day for sorting and lists, isn't it!!

jwil

Happy New Year!

o2bfree

Well back to normal for me today.
Back to school and work, no more sitting around watching films:o

Made my first payment for jwil's challenge, a little £5.49:)

I don't need any shopping or petrol or anything really until Friday except phone top-up so a £10 spend for me today:(

o2bfree

Well this week has been a LSW :j as there is nothing I need or want.
I have had to buy bread and medicines and top-up my phone but very low compared to weeks last year. Hope I can keep it that way:)

Another payment today of £10.00:)

jwil

Great start o2bfree, hope you have a good weekend!

o2bfree

Well today is low cost, low fat shopping day.
Will be making a list and sticking to it

Decided to start saving MrM's saving stamps towards next Christmases food shop as with the 3 free stamps they give you that is quite a good return. So going to keep a tally in my signature. Aiming for £100.

Busy day today ahead but some relaxing and first ebay listing of the year for me tomorrow

Amethyst68

Hello o2bfree,

Good luck with the shopping,I took a list with me yesterday and only got what I had wrote down,was tempted by the chocolate I stopped and looked then moved on,it was hard.

I have also started buying stamps for Xmas,im planning to get £50.00 from Iceland and £50.00 from Mr T's.

Have a good day.

Amethyst xx