Forum Home» Debt-Free Wannabe» Debt Free Diaries

SAHM paying off debts slowly - Page 6

New Post Advanced Search

SAHM paying off debts slowly

edited 30 November -1 at 1:00AM in Debt Free Diaries
868 replies 77.9K views
13468987

Replies

  • savingholmessavingholmes Forumite
    12.7K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    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
    During 2020: Target 1) Reduce debt from £25.1K @ 0% Now down to £17,357 Target 2) Overpay mortgage - now @ £777 OP Target 3) Improve pensions Target 4) Declutter 52 bags - Done with help of skip. 5) Lose 21lbs - now at 15lb lost 6) Build/maintain EF/Savings pots at £1K or more by 31/12/20
  • slm6002slm6002 Forumite
    2K posts
    Part of the Furniture 1,000 Posts Name Dropper Debt-free and Proud!
    ✭✭✭
    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.
    Me, DD 14, DS 12, DD 9
    FW Nerd 1103, Debt Free 04/18
    Single Mum since 11/19
  • debtfreewannabe321debtfreewannabe321 Forumite
    6.6K posts
    Debt-free and Proud!
    ✭✭✭✭
    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
    2015 Goals:-#1 419.26/1000 (Emergency..target #1) 41.93% , #2- 14,010.70/15,000 (new house) 93.4% :j:heartsmil #3 395.07/1000 (Rental house fund target #1) 39.5% :).
    Aim High!
    :heart2: Debt-Free in 2013. Saving for a better future :heart2:
  • slm6002slm6002 Forumite
    2K posts
    Part of the Furniture 1,000 Posts Name Dropper Debt-free and Proud!
    ✭✭✭
    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 :)
    Me, DD 14, DS 12, DD 9
    FW Nerd 1103, Debt Free 04/18
    Single Mum since 11/19
  • savingholmessavingholmes Forumite
    12.7K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    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
    During 2020: Target 1) Reduce debt from £25.1K @ 0% Now down to £17,357 Target 2) Overpay mortgage - now @ £777 OP Target 3) Improve pensions Target 4) Declutter 52 bags - Done with help of skip. 5) Lose 21lbs - now at 15lb lost 6) Build/maintain EF/Savings pots at £1K or more by 31/12/20
  • slm6002slm6002 Forumite
    2K posts
    Part of the Furniture 1,000 Posts Name Dropper Debt-free and Proud!
    ✭✭✭
    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
    Me, DD 14, DS 12, DD 9
    FW Nerd 1103, Debt Free 04/18
    Single Mum since 11/19
  • savingholmessavingholmes Forumite
    12.7K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    Does sound like its an improving picture for you - especially with your OH getting on board. Hope you have a good week
    During 2020: Target 1) Reduce debt from £25.1K @ 0% Now down to £17,357 Target 2) Overpay mortgage - now @ £777 OP Target 3) Improve pensions Target 4) Declutter 52 bags - Done with help of skip. 5) Lose 21lbs - now at 15lb lost 6) Build/maintain EF/Savings pots at £1K or more by 31/12/20
  • slm6002slm6002 Forumite
    2K posts
    Part of the Furniture 1,000 Posts Name Dropper Debt-free and Proud!
    ✭✭✭
    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
    Me, DD 14, DS 12, DD 9
    FW Nerd 1103, Debt Free 04/18
    Single Mum since 11/19
  • debtfreewannabe321debtfreewannabe321 Forumite
    6.6K posts
    Debt-free and Proud!
    ✭✭✭✭
    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
    2015 Goals:-#1 419.26/1000 (Emergency..target #1) 41.93% , #2- 14,010.70/15,000 (new house) 93.4% :j:heartsmil #3 395.07/1000 (Rental house fund target #1) 39.5% :).
    Aim High!
    :heart2: Debt-Free in 2013. Saving for a better future :heart2:
  • savingholmessavingholmes Forumite
    12.7K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    Congrats on your third star... I still have 2000+ posts to go before I get to my 4th star at 10000
    During 2020: Target 1) Reduce debt from £25.1K @ 0% Now down to £17,357 Target 2) Overpay mortgage - now @ £777 OP Target 3) Improve pensions Target 4) Declutter 52 bags - Done with help of skip. 5) Lose 21lbs - now at 15lb lost 6) Build/maintain EF/Savings pots at £1K or more by 31/12/20
Sign In or Register to comment.

Quick links

Essential Money | Who & Where are you? | Work & Benefits | Household and travel | Shopping & Freebies | About MSE | The MoneySavers Arms | Covid-19 & Coronavirus Support