Mum2one - next chapter - baby steps make big strides

mum2one

Those that know me, hi, those that don't hello.

When I started my last diary in 2009, my debt free date was Nov 2015, and was i going to do my best to beat it, but unfortunately a few bad decisions, head in the sand, dig deeper, I guess theres a 1001 reasons, but August last year everything came to a head, i'd taken out a consolidaton loan the yr before, maxed the cards, although yes some was spending, other was interest, and it was robbing Peter to pay Paul.

I guess I had yet another light bulb moment, but this time the light stuck on, and maybe it took me till Dec last yr to get a lot in place, and I will be honest and say that Nov 2015 is a distant dream. This is a new chapter, I finally sat down and worked out every penny I owe, and start a fresh.
About 75% of my debts are on repayment plans, but I'm doing my best to get the debts paid.

I have the most wonderful daughter, one who has a heart of gold, and who I absolutely love to bits, and she has got her head screwed on.

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DEBTS AS OF DECEMBER 2011)

1.Aqua CC - repayment plan = £2386.
2. Halifax CC - repayment plan = ££2686.
3. Halifax Loan - repayment plan = £9000
4. Halifax OD - paying £31 per month for that =£1630
5. Vanquis CC - repayment plan - £2200
6. Capital One CC - normal payments = £635.00
7. Argos Store Card - repayment plan (till Feb, then be normal) £380.00
8. Evans Store Card - normal payments £1020.00
9. Studio - normal repayments - £395.00
10. Barclaycard - repayment plan = ££2696.00
11. Littlewoods - (£550 of that due buy now pay Nov, rest normal paln - normal payments)£622.00
12. Dad Visa What I can, when I can, - £2450
13. Ousba (1) - normal payment£45
14. Ousba (2) - normal payment £200
15. Argos (mums account) Camera - £140 (paid Jan 2012)

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£26479

(Got family debt - which is money borrowed from family and savings I've used over the years - but I have not included them as want to get the creditiors paid 1st)

Done SOA before, and taken advice from debt charity, but at the moment, am doing a self managed DMP, which touch wood working ok,

xx

mum2one

I try to be orgnaised, get items in sales, use vouchers, make presents, anything that saves a penny. In our house, my daughtr and I share the house with my parents.



Presents for 2012 (does not include, mum, dad or my daughters presents)

Birthday Presents - 25 people - done 24 presents

Mothers Day/Fathers Days - £25 should cover all presents left

Christmas Presents - 50 presents - got 3/4 done, but sort rest out later in the year.

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Daughter - her 10th birthday this yr, she doesn't ask for anything, shes asked what she wanted and she has asked for a hot air ballon trip, (but got a deal, parents go half, would be same as what would spend on her).

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mum2one

I have decided to set myself a list of challenges each month.

Heres Feb (know were half way through - see at end of month how done).

Got 3 weeks worth work for B122 (OU course) - NOW UP TO DATE
Got 3 weeks worth work for BU130 (OU) - NOW UP TO DATE
Assisgnment B122 - by 1st March
Assisgnment BU130 by 5th March
Tutorial - BU130 - -ATTENDED
Tutorial - B122

Check and get rest of cards for Feb / March bdays
Mothers Day Cards
Get last of Mothers Day bits
Get wrapping paper

Get the stuff off landing back into bedroom
Get dad to put pictures back up
Empty junk! from under dining room table
Tidy up craft stuff, to see what can be made - odds and sods on ebay

Ebay 25 items (not sure what yet!!) - SOLD 10 SO FAR

Gut DDs bedrrom again!!

Money - by next Wed have all money set up to go out, and new list done of all incomings and outgoings (for me) minimum repayment £300

Have DDs friend sleepover half term - day at farm (buy drinks ready) - DONE

1 x table top sale - DONE - CLEARED SOME OLD STUFF (MADE £15)

Finish knitting cardigan - ready for Aunts bday prezzie

See solicitor - DONE BUT MORE COMPLICATED

Have a list of presents need to get for rest of yr - set a strict budget

No buying anything unnecessary - did not buy any make up or toilettries in Jan (bar what got from vouchers, Boots sale).

Check our local National Trust for half term activities. - THERE WAS SNOWDROP WALK - BUT DAUGHTER WAS POORLY!

chevalier

good luck with all of your goals. Hope you get some breaks so you can bring your debt free date closer
chev

taxi73

All looking good and Happy New Diary x

BEAT_THE_DEBT

You are not alone x

Keeping_Positive

Good luck M21 looks like a great start to the year

mum2one

sods law school holidays, DD poorly, took her + her frined out yesterday, lucky was just before we come away, DD was sick everywhere.

Shes brighter today, I ended up at Gp had cold/ throat infection, playing havoc with asthma, got kicked out of the front room at 4am by the dog who wanted the front room to himself...
I've got chest infection, swollen neck glands, and wheezy lungs, so am now got 5 days steriods, (which all they make me want to do it eat or be sick!), then 2 weeks antibiotics, which means my loo roll needs to be soft!!

But some brilliant news have booked DDs birthday present, shes going up in hot air ballon, (dads going with her. his smile went from ear to ear), got a deal, literally means we've paid nearl half price. So mum + i going halves, even better money savvy for me as shes buying some vouchers off me for my share! xx

taxi73

they'll love that

chevalier

nice on on the hot air trip. hope they have a great time
chev

mum2one

shes so hyper about it already, we've got count down marked down on the calender, they go April, plzed for her.

Surviving a frugal Feb, but be worth it in the end. xx