£23179.10 until my debt free life begins in March 2014

Kepp

Glad to hear your mum is feeling better

DebtFree2012

Or is there!

Today is brighter Mam had a good night and we're going to lunch together so can chat things over. I feel really emotional but I think that's being a woman and a certain week in the month grrr. Sorry if tmi!

Money wise it's great - all in budget so far and plan on it staying that way. Managed to almost finish my DS's xmas shopping too - couple of small items left. Got 1 of my nephews done and 2 to go (other gets money). Got my dad something and know what getting Mam so will use next months salary for that. That just leaves DH who has said he has something in mind so pleased. I would like this Dec to be stress free and all about enjoying the time not worrying about money and being late with buying gifts!

xxx

Skint_but_Optimistic

Am so pleased everything is positive and looking forwards. Enjoy lunch with your mam x

DebtFree2012

Morning world

I can't believe it is Monday already! Had a lovely weekend with one thing and another and my mam is doing a lot better so I am pleased about that.

Spent time with family (including animals!) and made homely meals. Spent within budget and managed to get lots of Xmas things in budget too so a productive time

Can't wait to get the Xmas dec up and start making meals looking like Santa's face lol.

Financially things are going as expected so I am pleased.

I just need to make more income!

xx

Skint_but_Optimistic

know the feeling...

DebtFree2012

Right!

I simply don't have enough cash to get rid of my debt in the time I would like! Do any of us, no, prob not.

I have 800 a month to throw at debt. However when other expenses come up - they are taken from this. So it varies from 500 - 800 a month. I have apx 14k to pay off. You do the maths.... it isn't when its supposed to be.

In April next year my big card should be around 6k and my smaller card apx half of that....

This is when we will be looking to move.....so it needs to be 0.

Skint_but_Optimistic

Map your goal... how you going to get there?

DebtFree2012

Morning world

I am feeling alot more positive this week I was positive last time I posted, just in need of guidance lol.

Anyway - I have decided what will be will be. Things change and we shall just see what next year brings. In the mean time I have lots on aside from the debt so I shall just concentrate on that.

Managed to pick up 2 small xmas presents this morning so I am pleased. I'm pretty much done for the kids now. Few more stocking fillers for my son but with him being 2 there isn't too much I can get him (that will last longer than xmas day!)

xx

Kepp

Glad you're feeling more positive

DebtFree2012

Wow it's been ages since I posted but it doesn't feel like it. The days are flying past.

So financially this month I have used everything up as I've been buying lots of Xmas things which is fine as it means it won't be as tight at xmas time and I like to have spare cash for the festive season for those unplanned events

I have decided to pay just minimums this month and maybe next month too so I can keep myself in the black. I need to keep a good rappore with the bank. Then next year, as I said before, I will deal with then. Who knows what is round the corner so I will enjoy today whilst I can.

Hope everyone is ok and is looking forward to xmas - so exciting!!!!

xxx