A Thread for After Debt?

JulieGeorgiana

Little_bit_dizzy wrote: »

Today wasn't an AFD (alcohol free day, 3 p/wk is my target) I did have a glass or 3 of wine, but Mon & Tues were AFD's so that bit of my target is nearly done for this week. I still haven't had a ciggie though - pretty chuffed with myself!

i remember when I quit smoking... best thing I ever did!

Being pregnant stops the odd sneaky one though! But the neighbour smokes outside constantly and my hightened sense of smell makes me grateful i quit

QueenB.

I am so tired so Im going to just chill out and watch a film, hes just not that into you not my usual kind of film but thought i would give it a go and shouldn't require me to think to much:rotfl:

well done on your AFD dizzy:T

Try and get some rest JulieG as Roo will be here very soon:)

JulieGeorgiana

QueenB. wrote: »

Try and get some rest JulieG as Roo will be here very soon:)

Can't... I'm having my nightly Braxton's and I feel yukky!

Can always pray Roo wants to make an appearance without the help from the midwife tomorrow!!!

backinbusiness

Aly - please don't leave - you don't need fancy spreadsheets to find a home here (although a lot seem to).

Compared to others mine is dead straightforward and simple - just one sheet; no tabs.

It's scary venturing into debt-freedom-ness - in my experience it takes a bit of trial and error to find out what works for you.

I still change the way I do things a little from time to time - but on the whole I've settled on a way that works for me.

On another note - my bank have just offered me £70 compensation for firstly providing incorrect address details to all 3 CRAs. (my ex-husband's address, NOT mine!) and secondly locking me out of both online AND telephone banking for no apparent reason - they just could not explain why this had happened.

So frustrating!

So pleased to have made "Debt Free chat of the Week!".

BiB x

JulieGeorgiana

Morning All!

Still here... Roo and I are waiting for the midwife now

backinbusiness wrote: »

So pleased to have made "Debt Free chat of the Week!"

I saw this! Great news

And well done on getting money out of a bank :T

samtoby

I find that a visual of what I have spent is excellent fro stopping my spends. I am very proud that I have stayed debt free even for a few months and actually SAVED!

I hope little Roo is en-route.

I loved being a SAHM for a couple of years. I miss it but Toby is at school now and his dad spends every day after school until 5 with him anyway so no reason not to work anymore. I get my weekends with Toby which to me is quality time even if its cleaning the car and making cakes. x

JulieGeorgiana

Once my children are at school I'll be going back to work part time. I couldn't stay home. But by the time Roo number 2 is here and at school, we are talking 6 or 7 years. We hope the PT will pay for extras like days out during school holidays. I like to dream...

girlatplay

samtoby wrote: »

I am just too excited about the possibility of having my own home. My own front door and walls I can paint and floors I can carpet the way I want. I want to be able to say I did it all myself.

I felt this way about 5/6/7 years ago. I have now had my own front door etc for the past 4 years and I still have the carpets and wallpaper that were here when I moved in! :rotfl: Just can't afford to do anything to it. Still, it is mine and I love it

runmichellerun

Thanks for all the spreadsheets. I think I may just start with a spending spreadsheet and go from there. I wont list individual food bought but will list it as 'groceries' 'toiletries' etc.

So many ideas going through my head right now. Frustrating that I can't open the First Direct account as 8% for regular savings is a great rate. My salary just isn't high enough. Grrr.

JulieGeorgiana

runmichellerun wrote: »

Frustrating that I can't open the First Direct account as 8% for regular savings is a great rate. My salary just isn't high enough. Grrr.

Yes you can, I thought this too. I opened a current account with them last year with no incoming salery. They charge £10 a month for the account UNLESS you have a qualifying product (I have some savers account with a balance of £1 in it) so I don't use the account and just transfer £300 into it each month and from there it goes into the regular savers account.

Call them and they will advise you!

And now because I am recommending my husband to have an account and regular savers they will give me £50

HTH