SAHM paying off debts slowly

savingholmes

Perhaps if you did martin's budget planner - and showed how you could have more money for treats if you reign in the spending in certain areas (as well as paying off debt) it may help swing his vote

Great news re Avon... It's all happened quite fast for you

I'm currently stewing plums and apples ready to make some crumbles and eve sponge puddings

slm6002

Just picked up another £45 worth of orders so should make around £40 profit after costs this campaign. Will put it straight to my small debt. I realise its probably not the most important debt to get rid of but it will make me happy that i am getting somewhere.

Also been to Mr T and Mr A and got some real bargins with my vouchers. 4 x comfort pure for 25p each, 4 bottles of domestos for 24p (2 free and 2 12p each), 1x persil washing tabs for £1, 3 x campbells condensed soup FREE and 4 x aunt bessie custard for 3p each. Feel really pleased with it. Also went looking for bargins as it was late but nothing any good. Both shop assistants now have this website address and will be spending some time printing out some vouchers themselves.

debtfreewannabe321

I really need to get some printer ink!!!

Re the debts have you used the snowball calculator on here to work out which debts to pay first? Although if i were you i'd probably be tempted to do the same, get rid of the small ones so it looks better (less creditors!)

Have a great weekend

xx

slm6002

Hi i am not sure if i am saving money or not with all of the ink i am probably using but i am enjoying the money i am saving in the supermarket. I will have to source some cheap printer ink!

I agree i like the idea of getting rid of the small debts as there is not too much difference between rates and amounts to be honest on the larger ones. Will check out the snowball tool though as would be interested to see. I do feel i am getting somewhere even if on paper it doesnt look like it. We will make it through our mess and come out the other side much better off and knowledgable.

Thanks for all of your support

savingholmes

Hi - I think sometimes the psychological benefit of having less debt outweighs the advantage of paying off high apr debts... Just having the weight lifted of your shoulders of having less debts to worry about it worth it... I do snowball tho too

slm6002

Nothing much to report today. Not been out so its been a NSD for me. Also OH got paid friday and has not touched it. He is actually leaving it in the bank ready for bills. This is quite unheard of. Normally it is taken out on pay day. Think he is liking the weekly pay much more than monthly as he can budget better. A few more avon orders today bringing me upto £300 sales which is my highest so thats great. now got to resist buying things out of the catalogues myself!

Anyway think i better go to bed as need an early night

savingholmes

Does sound like its an improving picture for you - especially with your OH getting on board. Hope you have a good week

slm6002

just realised that i have got my third star on here - wow i must talk a lot!

cleaned downstairs, washed and hung nappies and got another load in the wash. About to take DS to nursery. Hope to get a few more rooms sorted and must decide whats for dinner tonight when i get back. Busy, busy today

debtfreewannabe321

yey to the third star! I must talk even more than you because i only joined in January and already have three stars :rotfl:

I've chanced my washing out on the line today even though it's very grey out....will have to make a dash out to grab it all in if it rains though lol!

xx

savingholmes

Congrats on your third star... I still have 2000+ posts to go before I get to my 4th star at 10000