Starting Again

jellybean39

Im doing the 1 debt vs 100 day one going great guns at the moment but dont know if i can keep it up at this pace been skint the last week!! we only about 3 weeks in to it never to late to start! Or save £2 coins. Or dont eat for a month challenge lol
I think i could do the dont buy any toiletries for amontha s well looking in my cupboard still have stuff from last xmas think i need to use them up instead of buying more!.
Dont want winter its really cold and windy here today

Skint_but_Optimistic

I will look into that.
Then I have been doing lots of surveys...

need to scavange change from round the house, and see what else I can sell.

Just looking for inspiration and another push.

Skint_but_Optimistic

Right I have sorted myself out with a challenge. As well as all the other malarky, I will shift Vodafone as fast as is humanly possible.

Ive set it as one debt in 100 days but I aim to get it done by the middle of next month. Then its gone from my credit report.

After that, I will another one of those challenges, with £500 chunks off the credit cards I think.

mummychicken

Hi Skint, glad you had good hols, mine already seems months away, was great at the time though.
A pat on the back to you for buying some Christmas pressies on your hols, i would never be that organised , well done !

Skint_but_Optimistic

Think I can do the no toiletries with you beanie.

Not that we are encouraging whiff - o - rama but just using whats there.

Might need some shampoo but no soap or shower gel or anything like that

Plan for this week / weekend:

1. Keep on top of the laundry, little and often...

2. Ebay listing in Turbolister. Im away with work Thursday north of the border so Dh will need to list them for me. Wont be in til late.

3. find more ebay listings by decluttering at home and at the other house. Theres definately some wardrobe doors there. declutter 2 hours at each.

4. Tidy the other house. List the work to do.

5. Clean through (hoover wipe mop) both houses.

6. Baking etc - scones, cake, pie and a meal and a frozen meal.

Im feeling like I need to get something done but feel like I cant!

I have also stopped smoking. That money is going to be used to help out with debts too.

Skint_but_Optimistic

mummychicken wrote: »

A pat on the back to you for buying some Christmas pressies on your hols, i would never be that organised , well done !

Well its just little bits.
.

And hello MC! x

I want DH to create a master list and can start and get the odd item off it for people for Christmas. then its not so financially crippling.

Its frightening.

millionaire_in_training

:jon the stopping smoking. I used to smoke about 30 a day and stopped about 8 years ago. Best thing I have ever doen. Good on you. I do the 100 day challenge too and do it in chunks of £500. That's total overpayments on my debt. I dont count my normal payment in that. Each time I manage it I knock 2/3rds of a month off of my dfd so that is a real bonus . Motivating......oh yes definitely.

Skint_but_Optimistic

Seems this is the way to go.

So... September challenges. Pay bills early (put money aside for childcare rent etc to help out at end of month)
Money for Disneyland paid as Extra on credit card. Vodafone as part of the 100 day challenge. Ebay money 50% to help with the above, 50% to my emergency fund which I am desperate to have.

Car broke down last night in the works car park. Was so upset.Got a lift back to my village and eldest daughter took me to pick my son up.

Its time to save up for a car. Watch this space, DH and I are currently discussing.

I dont want any more credit, so it will be a make do for now.

Did some washing and ironing and we hoovered and tidied up, we didnt get anything decluttered though.

Also made the tea, which I had already mostly prepared.

Am still not smoking. I should feel a million dollars but I am feeling rank.

Haha. That 42 pounds a week will get me a hell of a car. I am going to save the 42 pounds a week into my car fund!

gargrave50

£42 a week is a lot of money to save. Well done.

Loving your list making! Think I will join you with the master list making for Christmas. Doing not too badly on that front

DebtFree2012

Hey up hun
I'm back and just caught up - as always you have me laughing out loud lol.

I am with you on the new car fund - I have worries mine won't last past Winter

For me it's the balance of having x amount to spend on new car or throwing it at debt....Neither has won yet!

You are sooooo organised it's unreal - I can be when I am in frame of mind so hoping to follow suit soon!

xxx