£23179.10 until my debt free life begins in March 2014

DebtFree2012

I've paid £4.01 off my cc. Going to get back into the smaller payments rather than waiting until the end of the month.

Pay day tomorrow so will prepare for that then get more work done.

x

Skint_but_Optimistic

Plans are afoot. Windy and rainy here too. RANK!!!

SusieT

Just an idea, as you batch cook and now spend time at the stables could you do a meal menu thing for others at the yard as a lot of my horsey friends just do not cook after work? If you gave the meals fancy names and did a menu for people to choose from and put them in little foil containers you could possibly make enough to pay a lot of your grocery bill which would give you more to put against the debt. People would order in advance and you deliver on a Saturday or Sunday all ready to freeze!

DebtFree2012

Hi SusieT

Thanks for your reply - you may be onto something there....maybe start on smaller scale and build up as I get to know people.

Thanks!

DebtFree2012

Morning world

It's pay day yippeee.

I was thinking when I put 426 days to go in the title - it's wrong now, but I have no idea what it will be. I know what it needs to be tho lol.

I'm going to get everything paid and where it should be and then see where else I can cut costs. I have already cut to the bone I think though.

xx

DebtFree2012

Right I have tidied everything up financially and we're all in place for the month. I will not spend outside of my budget this month unless it is an emergency. My petrol is difficult as I am not sure how much the journey's to the stables will cost me so I may have to add £20/30 to that budget.

I've got £10 in my purse which is my pocket money left over from last month and that is my only lee-way (sp).

So the plan is:

Meal plan and stick to it, make sure to include Fri and Sat nights as this is when we spend on take aways (DH can spend, just not me ) Do NOT eat for the sake of it at home.

Stay in at work for lunch to save on petrol esp as now going to the stables. Do not drive anywhere unnecessary.

Do not use the heating - make use of the coal fire and free wood, hot water bottles, dressing gowns and blankets, hats, scarves and gloves - oh and given current conditions, waterproofs! All of this needs planning in advance as it's easier to pop the heating on sometimes than whatever (no we don't wear hats in the house!)

Call and reduce heating if they will again, cancel gym. Now I am riding it's helping with fitness and I can try and do a bit more at home for free - this failed before but I wasn't under the pressure I am now!

Make use of free hot drinks at work, water with lunch.

Sell anything possible on ebay and such like.

Sell eggs at work and look into selling food at the stables.

Complete 3 textbroker articles a week.

Plan using Tesco CC points for Xmas as required - groceries or presents?

Follow up on PPI.

Right, what else can I do? All of this is great but I need to find big money somewhere!

DebtFree2012

I have £150 for food until 25th October.

I will get meat ordered today and batch cook where I can. I'll make soup in the SC and bring it into work for lunch with a salad. I have a flask but I think it'll be cold by the time I have it, don't think flasks are that good. Need something hot now the weather's getting colder.

Again though, there are no longer big savings to be made here as I've trimmed it down to £150 from £500 or so!

xxx

DebtFree2012

There are only 5 star assignments available atm on textb....

DebtFree2012

Right, as you know my family loan is going at the end of the year which means I only have £600 left to pay. I've updated my spreadsheet to reflect this to give me a mental boost and I am proud to report I now "only" have 49.7% left to pay meaning I am over the 50% mark :D:D:D kinda cheated but you have to look after number 1 in this game.

So I have just over 15k to clear opposed to 20.2 k which I have now.

xx

DebtFree2012

Just grabbed an article from text broker for 6 euros however it's something I have no idea on and the blooming date is tomorrow! Oh well I guess I will research as needs must.

Must do my work first though.