Debt free by Summer 2012 (if not sooner!)

DebtFree2012

Woowoo wrote: »

Yep I shop weekly, I liked doing it on line as it's great for knowing what your spending, no shocks at the till!

I stopped online as Fridays were about £5 delivery!

I think I am going to get a delivery every fortinight on the cheap delivery night and see how it works out. I will need to readjust my budget I think, along with petrol as not really sure how much everything's going to cost now back to work (food for packed lunches, extra travelling etc). Will work it out from this month's pay onwards.

Is your Tesco near to work/home so it doesn't cost you much in petrol? Ours is literally down the road but if go in shopw worried end up over budget......will see....

DebtFree2012

Herewego wrote: »

Well done on the sale of the chair are you going to use any of it for debt even if it is only a few ££ it will start the ball rolling.
Grey here too and sooooooo Windy but its certainly not making people go on ebay and bid on my stuff

Hi HWG - just catching up on diary as I don't get on as much as would like too on w/e.
Thank you and I am using it towards debt in a fashion as paying off the min payments still from last month grrrr.
x

DebtFree2012

LexieLou wrote: »

Hi DF2012,

Welcome to the boards, I've subscribed to your diary mainly cos I'm hoping that I will be DF in 2012 if not before. Ideally before as I couldn't cope still being in debt in 2012.

I love your comment about the £6 in pennies, I witnessed in the bank a girl paying a bill or into an account in loose change. As she left the tellers all started to snigger behind her back. Unfortunately for them I'm not the type of person to let that go, at all! So I promptly reminded the teller that it was all legal currency and had the queens head and therefore was as an acceptable method to pay as any other. I then told her that I would come in a pay my CC in change when I was paying the final balance. As you can see from my signature I'm nowhere near my final payment but that promise to the bank teller still stands.

Aside from that, the lady who paid the loose change gave me an idea. There's a jumped up 'lady' who works in the Halifax. Each month I empty my piggy bank and shimmy on into the Halifax and pay the loose change in. After she counted the first £32.32 she has been as nice as pie ever since. Karma I call it, or it also reminds me of the 'confessions of a shopaholic' scene where she pays off her debt in change.

I check my CC statement every month but some months I wish I didn't as when you pay just the min payment it clears so little. I used to over pay alot but recently things have been tough and I can't, which is frustrating.

Anyway I'm away to do some boring paperwork.

Pop back soon.

LL xx

Hi LL and thank you for subscribing and taking the time to read. It’s so nice to “meet” people in similar boats etc. I find having the diary helps me focus on getting DF though haven’t achieved anything yet lol – waiting for payday and tring to clear min payments but will get there.

How great that we both want to be DF in 2012 – it better happen or I’ll lose the plot. Had this round my neck for too long now with very little to show for it.

The penny thing is great isn’t it – I have “borrowed” the idea from woowoo whose diary inspired me to kick start my own.

That’s the way to handle those cashier’s – and anyone who thinks they have the right to look down and snigger at ppl – imagine they were in the situation, be a different matter then!

There’s a theme with people paying debt with their pennies and it seems to be working – love it re Halifax piggy bank scene!

I hate not being able to pay over the minimum on CC’s but not for long. Cap1 and virgin, your $*(!$*(£’s – here I come!
xx

DebtFree2012

**Kat** wrote: »

I totally agree with both of you. I get the "look" once a week when I pay my pennies into the BS - they even have a machine which counts it all for you and prints a receipt (like the coinstar ones in supermarkets without the charge for using it) - when I then pay in £3.21 or something I get either the "can't believe you are wasting my time" look or the "aww poor you living in poverty" look - HA!

DebtFree2010 - I used the link you posted on Woo's diary. Chin up, we used to be the same having DDs bounce etc and although I am still very much in debt and quite often can't make many overpayments, I am on top of my finances in the fact at least everything gets paid on time - hope that's a glimmer of hope for you and a lot of it's down to the support from these forums. Are you able to get a 2nd job to top up - I know personally how hard that is with kids as I have a nearly 3 yr old myself but it really does help xx

Hi there and thank you for taking the time to post too!
As I said to the other guys on here, it's so comforting to know there are people you can talk to and who know how it feels etc.

As for the 2nd job I don't think I could. It would make OH suspicious for a start which I hadn't posted at time of you writing your post but not just that - Every week day, I leave at 730/745 now, getting up at 530 and then on a night don't get to sit down til 830/9 so I think I would burn out and not see kids etc like I want to. Don't get me wrong - would love the extra cash to pay to debt - just not in the right place at present to do it.

Do you work 2 jobs now from what you were saying - wow!!!! Complete respect for you and anyone who works 2 jobs

xx

DebtFree2012

A guy in the office did a butty run and I said no thank you and ate my (turns to dust in your mouth) cereal bar. 90p saved! Couldn't have done that last year!

x

Kepp

Hi DF2012,

Followed you over here from Woo's diary, hope that's ok!

DebtFree2012

Fantastic hun - thank you. x

Woowoo

Hi DF

Well done on refusing the bacon sarnie

It took me years to tell my OH the true extent and not the edited version of my debt! I understand you wanting to keep it to yourself x

DebtFree2012

Right, nursery run done (have to collect daughter at lunch time and drop her off at nursery - hence petrol cost rising dramatically) and back to work having left overs for lunch.
Some people are complete arrogant snobs. Someone actually just took the pee out of me for not having "proper" tupperware boxes for lunches and for re-using the ones you get take aways in. OMG !

Some people are sat way to high up in their own estimations of themselves. Luckily for him I ignored it because if I had said something I would have laid into him. MEN.

Right - off to look at account see if any spare pennies to pay to cc.

DebtFree2012

Woowoo wrote: »

Hi DF

Well done on refusing the bacon sarnie

It took me years to tell my OH the true extent and not the edited version of my debt! I understand you wanting to keep it to yourself x

Aw thanks Woo, I did wonder if people would try and tell me to tell him which is just a flat no. I just want it paid off and to never have to think about debt again.

Once you are debt free do you think you would ever take credit out again, like for a car or house maintenance etc ( I don't mean emergency things, more luxury items?)

x