Starting Again

debtfreewannabe321

sorry sorry to hear about your gran :A


dfw xx

DebtFree2012

Here's to 2012 hun, hope it's good one for you x xx

gargrave50

A new diary skint? But I so love this one. Hope 2012 brings more fabulous debt busting from you.

All our love from up here (soon to be down there!) xxx Julie

Skint_but_Optimistic

Thanks, but I think should start a new one!

Nah no ether mit, it was just a mad time.

Having lager, doing ebay and watching footy. Need to think of some nice targets for 2012.

Erm get rid of a couple of debts maybe, sort my mortgage, and do more ebay and questionnaires?

Any ideas?

gargrave50

Skint_but_Optimistic wrote: »

Thanks, but I think should start a new one!

Nah no ether mit, it was just a mad time.

Having lager, doing ebay and watching footy. Need to think of some nice targets for 2012.

Erm get rid of a couple of debts maybe, sort my mortgage, and do more ebay and questionnaires?

Any ideas?

Target £100 a month income from ebay - that's £1200 which should be enough to make a F&F on a debt perhaps?

Why don't you pinpoint 2 debts and aim to be rid of these by 2013?

The other house finished?:cool:

Oh, and to empty your inbox of surveys by Friday each week.

YOU WANTED A LIST!!!:rotfl::rotfl::rotfl::rotfl:

Skint_but_Optimistic

Haha the house is going to be finished and awaiting a tenant by easter. At the outside....

The ebay earnings I split between things. I do save a quarter of them.

Surveys, need an empty inbox by Sunday night - I am busier Monday to Friday.

Yep Jules, think I will focus on ONE debt at a time.

So my new years list.

1. Focus on one debt at a time. Number one is Vodafone, now its mostly sorted and a quick win.
2. Questionnaires by Sunday night.
3. Ebay. As much as humanly possible.
4. House - get working on it again. My depression, broken children and a lack of time have meant this has slipped. Argh. However myself and the husband have talked about this and have a plan. We ran out of money for the bathroom and motivation but will get that all sorted.
5. Get mortgage myself for rented house. Its cheaper and smarter. Its a nice big house.
6. Food and spending budget. Strictly.

Know I will be rid of at least 2 debts this year, one is due to naturally end, and Vodafone is easily met.

Am overpaying on one debt, and will start overpaying on another.

millionaire_in_training

I do what my snowbal tells me . The most expensive b*gger gets dealt with first unless I can get rid of an account quickly i.e last month had £47 to pay off Barclaycard and even though it was my cheapest debt I got rid of it. Get vodaphone to h*ll once and for all x

Skint_but_Optimistic

yes, think I shall follow suit.

Having some heavy budget negotiations with the husband. Shall be a challenge to keep to the food budget but I am dropping a brand and using coupons so lets see how we go. Need coupon advice really!

millionaire_in_training

I cant help ou there as I dont use coupons. Might look into it though as seems like a good thing to do. What are you setting for grocery budget if you dont mind me asking. I've set £250 per month which I will find tough going

Skint_but_Optimistic

One big shop a month - 150 pounds.

Then we have 25 pounds a week for fresh stuff and top ups.

This includes nappies baby food etc.

so it varies depending how many weeks in the month but its 250 - 275 a month.