Reduce....Reuse....Re-incarnate...

prettypaula

Well this is where my DFW home is going to be i suppose...

hopefully from reading others diaries i can see that many people are helpful and encouraging in here, rather than the main forum...in which i feel i am being judged rather alot.

Ultimately, we are all here for the same reason, we spent more than we earnt, and are now trying to get back into the black.
that is all i am trying to do, and i dont need telling i've been a tw*t in the past in all honestly.

So i owe £26k. its a big number <<< that right there, thats the house deposit i havent saved yet.

thats the world trip i have yet to embark on.

thats the massive ISA i dont have to fall back on.

I no longer feel the need for conspicuous consumption to rule my life, and im lucky to have a good job to clear it all with.

my income is directly linked to my job performance, im in sales. i have a basic PLUS commission..

all my budgeting has been done working on mine and DH basic wage.

this means, for example, this month i should have over a grand extra to chuck at my debts.

so join me if you like, its not going to be easy, and it will take alot of change... in more ways than one!

hillside777

Hi and welcome. :wave:

It's good to have you here and congratulations on making your first post.

I'll be subscribing to keep abreast of how well you are doing.

Good luck!

prettypaula

thanks Bonnington, nice to be welcomed


ive downloaded some photos of things my dream house will one day have, llike an open fire, a big garden, a proper pantry etc... i need to get these debts paid off so hubby and i can buy that house and retire early like we want to

prettypaula

£3.13 odd balance in my current account, i get paid Monday and DH gets paid Friday... so i paid it off of a debt

i like the idea of irritating the companies by sending extra money.

every penny helps... and making payment arrangements with catalogue companies means that i have now stopped further charges etc being levied.

its weird, i feel a sense of relief that the dodgy letters should now stop as long as i pay on time.

20 months until debt free.

DEBT FREE DATE JULY 2013

hillside777

I wish my debt free date was that close. I'm going to be around longer than that unfortunately.

You're right, every penny helps. When I get an odd £10 I pay it off a credit card. It helps the interest come down, although not by much.

prettypaula

It comes when it comes bonnington, so long as you have a date, thats whats important!

Got a letter this morning..

Council Tax notice of liability order (in hubbys name)

£1158!!!!!!!!!!!!!!!!


im furious with him, this is the only bill he has the responsibility of paying.

Well having spoken to my mum, this weekend he is being sat down and told that when he gets paid he gives me his wages minus his play money and diesel money.

the rest goes to my account, i will pay everyone and overpay also.

looks like another job i will add to my list

:mad:

prettypaula

right thats me for a few days, off away with work.

paid £2.43 off of a debt today with odd money in bank account.

doing full finances at weekend.

bye till sunday!

prettypaula

Well im back from Leeds.

hubby paid today... will be budgeting my bum off later.

just paid for cat expenses, flea treatment, wormer, cat litter and food... all through quidco so expecting some lovely cash back.

think i fancy a lasagne tonight

ah well, back to the grind stone.... :rotfl:

Pippilongstocking

Good luck.

I managed o reduce lot of debt, irritating companies by payments every day PAD

you'll get there.

Will follow along if that's ok. We droped £15k plus since we arrived on MSE, good luck!

prettypaula

the more the merrier pippi! thanks for your support, 15k is a massive achievement!!

Im itching to do my budget... but my payslip hasnt arrived (i get paid monday) and our online viewing system has been taken down for maintanence.

because im getting LOADS of commission this month i dont know how much i will get after tax/student loan/NI/pension comes out

BAHHHH so frustrating.

Wins

Just renewed contents insurance,saved £13 a month and got £19 cashback


Spends

£14.49 on one of DH Xmas gifts
£33.80 Zooplus (cat litter, new tray)
£52.24 Petmeds Ltd (flea stuff, wormer, food)

got cashback through quidco on all of the above :T

got my 2-4-1 alton towers ticket for tomorrow, gonna take a thermos of tea

hillside777

Well done on the contents saving, plus cash back.
Not bad as insurance rises each year.
It's strange how they tend to send you the renewal which is about £100 more and you phone them to say you are leaving and they can knock £60 off. Then you go to confused or similar and find they offer new customers less than you paid last year. What a con and no loyalty. Anything to make their money. :mad:

Enjoy Alton Towers. It's about 20 years since I last visited. It's certainly a busy day and lots to do.