Start of my Debt free life.

o2bfree

So I have decided to start my attack on MBNA next. In it for the long haul.

o2bfree

Well Friday again.
Today is pay my £2 PADs off my target debt (MBNA)
Empty all change out of my purse and put in my sealed pot
Write my shopping list for tomorrow and my weekly budget for next week.

After my paying off of my first debt yesterday I decided that I didn't need the things I had ordered from Next before my LBM so packaged them up and booked a return.
Before LBM I would never have done that, I would have shoved them in the wardrobe and eventually have worn them. Feel I should treat myself to a little angel here:A

Off to make my payments and officially start the day.
Have a lovely Friday:)

Kepp

o2bfree wrote: »

Today I paid off my first debt:j
I paid off Additions freeing up £50 a month to snowball on to the next target (undecided as yet).
Also closed the account so getting rid of £3700 available credit:j

Well done! :T

o2bfree

There was £5.47 in change in my purse so that has gone into the sealed pot.
Think I will open this 2 weeks before Christmas for the extra food goodies.

Paid £14 (£2 a day PADs) off MBNA.

Just lists to do.
Off to musical theatre lessons for DD now.

jwil

Well done on making MBNA your next target - that one is my biggest balance and highest apr. I can't wait to get rid for ever!

o2bfree

jwil wrote: »

Well done on making MBNA your next target - that one is my biggest balance and highest apr. I can't wait to get rid for ever!

Wasn't going to do the highest interest route as wanted to see some debts actually disappear. But seeing the interest rate changed my mind especially now I have got rid of Additions with an interest rate of 39.7%:eek:

Plans for today?

I need a pair of winter work shoes so off to town to look for the best/cheapest options.
Food shopping but need to check what I have in first, I feel a cheap week coming on:)
And to envelopes of money. I have seen this on another thread and have used the method years ago and it works. So going to divide my money up for the week.
Have a good day.

o2bfree

Today is a new day.

It is going to be the start of a new more positive me.
I have always been the one to put others before myself.

Go shopping for me come back with things for DD, OH wants something he gets it regardless of whether I had wanted the money for something else, phonecall for DS asking to borrow money - he gets it, it is never paid back.
Money cannot buy love. Love is time spent together making memories. I want my DD to remember doing things with Mum and Dad not how much money was spent on her.
My DS is grown and has his own family (although unemployed) he has to learn not to keep coming to me.

This sounds like a massive moan but I am just putting in writing things that need to change.
I want to be debt free, I want to be able to move into a bigger house with my OH and DD in 2 years time.
To achieve these things my attitude must change.

I have always wished for a lottery win (probably like many of us) to sort my problems out but no-one is going to give you anything unless you work for it.
So a more positive attitude and away I go.

So to today-a busy one ahead with a day out with the family in the sunshine. Making the most of it while it is still around:)

I aim to make the day as cheap as possible.
Going in a friend's car - so petrol saved and half price parking.
Drinks for DD in my bag.

I'm learning:)

Sorry for the long post but feel I have my head on a little straighter now

Amethyst68

Hello o2bfree,

Seen your posts on MG's thread, thought I would drop in and say hi. I like you are looking to make big changes in my life,good luck on your journey,you have made a good start.

Amethyst.x

o2bfree

Monday again, the weeks are going so fast.
Someone told me yestarday that it was 102 days til christmas:eek:

Today's list:
Buy all the things I forgot when I went shopping on Saturday
Do my £2 PAD
Post a parcel back to ebay and request a refund
Work
Ironing (off to do that nowand get it out of the way)

Have listed 10 items on ebay over free listing weekend and have 3 items being watched so hopeful of some extra cash there.

Have a good day all.

o2bfree

Well I did most of my list.

I was given 2 £2 coins in my change at the post office so the have gone towards the collection.

Not feeling 100% today, feel a bit poorly (headache, achy bones, sore throat) hmmmm, rest for me tonight I think.:(