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Feeling more positive
debtfreein5
Posts: 26 Forumite
Hi
Up until 2 days ago I was about to enter into a DMP (to be fair I just wanted the debts to go away)
However, my husband and I have created a very strict (but do-able) budget.
We are hoping to ebay our way through Xmas and 1st debt should be gone by Feb. We are then going to use a snowball effect and tackle the next one.
I have set up a bank acct for me to use as my shopping money only so I wont use the OD any more than I need to.
Anyway, today was my 1st shopping day where I used cash. Armed with a list (which I did stray from once to by a joint of beef reduced to go into the freezer for next week) and my £40 plus a voucher for £8 off.
I did it!! Menus are all planned, plenty of fresh fruit and veg for next 3-4 days and then tinned and frozen for later in the week. Bill came to £46 (got to say I am quite proud of this, there are 4 of us at home)
I really think that we can do this, just need to watch every single penny!
Hopefully I am this positive after week 2, month 2...and unfortunately year 2!!
Up until 2 days ago I was about to enter into a DMP (to be fair I just wanted the debts to go away)
However, my husband and I have created a very strict (but do-able) budget.
We are hoping to ebay our way through Xmas and 1st debt should be gone by Feb. We are then going to use a snowball effect and tackle the next one.
I have set up a bank acct for me to use as my shopping money only so I wont use the OD any more than I need to.
Anyway, today was my 1st shopping day where I used cash. Armed with a list (which I did stray from once to by a joint of beef reduced to go into the freezer for next week) and my £40 plus a voucher for £8 off.
I did it!! Menus are all planned, plenty of fresh fruit and veg for next 3-4 days and then tinned and frozen for later in the week. Bill came to £46 (got to say I am quite proud of this, there are 4 of us at home)
I really think that we can do this, just need to watch every single penny!
Hopefully I am this positive after week 2, month 2...and unfortunately year 2!!
Tackling them one step at a time...
1st Debt repaid by Feb 2011, then onto the big ones!
2010 Target...Ebay myself through Xmas.
Total Earned £53.60, Spent Nil.
:A
1st Debt repaid by Feb 2011, then onto the big ones!
2010 Target...Ebay myself through Xmas.
Total Earned £53.60, Spent Nil.
:A
0
Comments
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Good for you, keep it up.:j:j:j
Keep coming back on here for motivation.make the most of it, we are only here for the weekend.
and we will never, ever return.0 -
Welcome back debtfree x
Glad to see you've both made a plan. Well done on your successful shopping trip:TMFW 2025 #50: £1989.73/£600007/03/25: Mortgage: £67,000.00
12/08/25: Mortgage: £62,500.00
12/06/25: Mortgage: £65,000.00
18/01/25: Mortgage: £68,500.14
27/12/24: Mortgage: £69,278.38
27/12/24: Debt: £0 🥳😁
27/12/24: Savings: £12,000
12/08/25: Savings: £12,0000 -
feeling in control, is a good start to success, remember we all have wobbles, we all come here for support.0
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