money talks!! time to pay up and shut up

elly68

well everyone life has been hectic and the debt has been left ticking over literally .we have been married 20 years now ,and i'm still in love lolyou would think it would wear off i think i got lucky when i put my hand in the lucky bag of love and got bri.he aint everyones cup of coffee but he is certainly my cup of tea.
he went a bit ott though with the celebrations but im pleased as i would have just let it go .now i have to formulate a plan for the next 3 months it goes like this
dip toe in water-meal plans and shopping budget
paddle-get out of overdraught declutter sell
wade into deeper waters -increase all minimum payments
doggypaddle -keep a spreadsheet to see it go
breast stroke- do extra job ,freebies, mysteryshop
front crawl- forge ahead clear debt have savings then start on mortgage
back stroke -well im being realistic this will happen occasionally but im going with damage limitation .
well thats the plan written this month i must swim.away to join a challenge .

elly68

i was lying in the bath this morning trying to cure a hangover and decided that my thinking must stop and my doing must start new year will soon be upon me think i need a challenge and motivation to keep it going

jwil

Hope the hangover is better today.

Have you thought of a challenge yet?

elly68

well hi jwil ive not been on sick kids and birthdays .I have joined the pay all u can in 2013 challenge .scary stuff put myself down for 13,000 . that means 1080 extra a month .Going to sell stuff we don't need ,cut back on grocery shop and generally spend nothing lol maybe need to go look at the oldstyle board lol

elly68

well happy xmas diary ,overspent but well spent if that makes any sense .dillema i work 32 hrs with travelling time of 4 hrs in total a job has came up full time no petrol as i can walk and good pay .only draw back is that its oin the doctors where i an a patient could get weird if i am sick .but to be honest given our finances i think i have no choice except to go for it . ahh i find interviews a trauma i know im good at my job i know the patients love me but this role looks like it is going to become a lead role for a team .hubby doesnt understand my reluctance but hey ho wont say anything to him i will just update cv and give it a punt .

trying_hard

Give it a go Elly, you never know what will happen until you try! x

elly68

thanks th noticed u joined the pay all u can so did i think we r in for the same amount lol

trying_hard

Are we? I have just upped mine to £14,500 from £13,000. Never going to achieve it but you never know, it's more than double what I earn!!

How you going to make the extra up? Have you put your CV in yet?

x

elly68

hi th isnt that weird that amma then posted re a 13,000 challenge maybe 2013 is our year lol ,im totally determined maybe i should go fish out my eurmillion ticket from xmas.printed cv yesterday will hand it in monday scary stuff but decided what will be will be and i will just wing it lol .

trying_hard

Yes, the 3 of us all thinking about the same amount! I NEED my debt gone, as I have had enough. 8 years paying it all off is too long for anybody.

Good luck Monday x