determined to be debtfree!

debtfreewannabe321

Skint_but_Optimistic wrote: »

Im still in the process of changing everything to my married name... its taking me years too...

I still haven't done my ebay...not sure how to though? I *think* everything else is actually done now

Bout time too :rotfl:

debtfreewannabe321

:)Ok am waiting for 8am so i can call cccs up and review budget with them. i tried calling last night when kids in bed for some reason i thought they shut at 8pm and they had shut at 6pm :doh: organisation is not one of my strong points. Neither is having a good memory :wall: never mind. Have sat here this morning going through budget to make sure i have accounted for everything, i.e prescriptions, dental costs (forgot these originallY) and will call them and quickly run through it all ....had another awful night sleep thanks to dd so i hope they don't ask me anything that actually requires using my brain cells :think: i might be there a while otherwise.....................be back later to report on what they say....................

debtfreewannabe321

Had my review, the man sounded just like julian clary, funny that. My payments to creditors will go up from Jan 2012 to £502 if i can keep this up (meaning keep tenants in) then i can have my debt paid off in 2 years!!!! :money:

Very happy with that!

The man was very shocked to see a family of my size on a budget of £250 (down from £450+) for food/cleaning stuff etc. This kind of made me smile because a year ago I wouldn't have thought i could do 2 weeks shopping for that never mind 4-5 week months

You are allowed £56 in emergency funds so i took that in the budget. £58 for entertainment but we have £100 and you're not allowed other things that i had. But the stuff i thought wasn't important they had a budget for :huh: so anyway the kindly man re-jigged what we did spend into categories where we were allowed them. :T

Feeling much happier now that i am paying more back to debt and hoping we can keep this up and next month technically we will have extra as he hasn't upped the amount until jan so we will have the rental income. Am hoping this will mean for a good christmas and also emergency funds nicely topped up everything nice and positive today, let's hope it stays this way! :j

slm6002

Wow that is really good. Great news that it could all be done in 2 years - sounds wonderful and then you would have the extra income for savings. Really pleased for you

Skint_but_Optimistic

great to see people being debt free.

It seems such a long way off at the start though!

debtfreewannabe321

Skint_but_Optimistic wrote: »

great to see people being debt free.

It seems such a long way off at the start though!

I cannot wait until i am debt free. I just think about all the money i have wasted over the years on frivilous items that i didn't need not anymore! After the debt i plan on tackling the mortgage

Skint_but_Optimistic

Oh yes, it doesnt mean it just ENDS

debtfreewannabe321

Skint_but_Optimistic wrote: »

Oh yes, it doesnt mean it just ENDS

Shame that.........maybe if i start playing the lotto though i could get rid of it all at once :cool:...

debtfreewannabe321

Saturday

I am hungover. Tired. Moody. Not a good start. AND if that bloooming woman from milk shake sings one more time i might have to throw the t.v out the window

hubby was up at 4 ish to go to work. Kids were up by 6am. I went to bed at 11pm. That is NOT enough sleep for me. Esp considering ds2 spent all night in my bed nearly coughing all over me and keeping me half awake/ half asleep mode :( sulk, sulk, sulk,

DH will be back from work by lunch latest i hope. He's being shipped off out with kids. I need MEMEMEMEMEMEMEME time. I want a bath, a book, [STRIKE]NO WINE[/STRIKE]:(-water, then a nap. Then 3 hours to list carp on ebay. Then 3 hours to finish monkeys off. then 3 hours just to do 'whatever'

DS is currently putting his cheerios in his toys, nice and soggy and wet with milk and they eating them out of the toys like a dog. oh well, can't be bothered getting up. Need a cuppa but can't move. Me and hangover and no sleep= bad mood for at least one day. And need constant feeding to ward off headache.

Ok i need to rest eyes again.....might be back with actual news in a bit. or not!?!

slm6002

Oh dear i hope OH obliges and takes little ones out so you can have a rest. I fell asleep on the sofa last night waiting for OH to get home from work so i must be tired. Have a good rest and see you when you have returned to normal