My Debt Free Journey starts today
in Debt free diaries
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I agree with the advice about cutting your grocery bills and would add that you could try getting your hubby to smoke roll-ups. Sounds grim, i know, but he will get used to them and might even prefer them after a while (I do).
Best of luck
yep you will soon find you are logging on here and reading all bthe boards every night that you wont have time to play bingo lol
no seriously get hubby to switch to roll ups, ive been useing them for a year now and when i have a real ciggie i find them to much
check your utilites with uswitch to see if you ca get them cheaper and go through quidco and get some cash back
sign up to the clicktro sites and get some vouchers
do your teens work?ie paperround if not why not that way you will be teaching that you dont get nowt for free and they can pay for their own dinners if they dont want packed lunh (very good lesson)
also i would get you and mr golddigger to get yourself a spending diary
i cant praise these enough, write down EVERYTHING down that you spend everyday down to the last choccy bar and you will be amazed how much we actually waste
well thanks my two penny worth so hope to see you here frequently
welcome and good luck
thanks for that guys - we started a spend diary today and it does help you to stop spending when you know you'ev got to write it down! I sell advertising to shops and businesses so am often working in shopping centres/ town centres so the temptation is always there. Today I put my purse in my car boot when I went on appointments so I c ouldn't spend anything.
My only expenses today were postage (for work) and £90 sending off letters with cheques to the bank asking for my charges! Good investment me thinks.
I will see what my husband thinks about the lunches. He does all the home things as I work full time. The kids are very unhappy about it, which I can understand because they have really nice school dinners. Do you think that you could do really packed lunches for 50p a day per child? Even for a teenager?
My oldest son does have a job - he babysits for us! We pay him £5 if we both are working in the evening. He is 13 1/2 so not yet old enough for a paper round.
My hubby has just informed me that the cleaner is £50 per month not £100! OK, what would I know? Gave up the bingo last night. Cancelled my account. Hubby does smoke roll ups already so its not a great expense.
gonna start saving the £2.00 coins too.
whats a pigs back???
Earned £1500 this week so can pay off electricity that we owe.
Aiming to be debt free October 2010:eek: PROUD TO BE DEALING WITH MY DEBT - official dfw nerd no.348/ DMP mutual support member no.8
Quidco: £4.07 Pigsback £17.10 Mrs Cashback 17.75 £2 savings club - £48 Loose change savings - £6.72 Woolworths Christmas Savings Card £10Reclaiming bank charges so far... £219 from Egg, £175 from Co-operative CC, £490 from Halifax One, at local court stage with HSBC and LLoyds & Marbles, MCOL with Mint
it's a website that gives you points in exchange for clicking on links and entering competitions. You can exchange the points for high street gift vouchers and other things.
more details here :
and pigsback.com is here: http://www.pigsback.com/registration/memQuickReg.asp
My OH is always spouting the 7P's to me so to see it in your signature made me smile as most people don't know what the 7P's are - have yet to put them into action tho' :rotfl: :rotfl:
Am going to start doing the cooking/freezing thing and pasta/cous cous also for my kids to try and save the £17.50 I am currently spending on dinner money :eek:
**Credit card debt free 30/06/10~**
MFW. Finally mortgage free February 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb.
It starts with you, it starts from now. *** It is ok to be me.***
***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
Face it head on and blow its nuts off xxxx
Angchris, do you fancy doing a thread on kids packed lunches ? I used to spend £20 a week on school dinners but have seen the light ! My boys are really bored with tuna sandwiches
Goldigger, well done so far-I haven't the courage to do mine yet as have no way of meeting any plan whatsoever. I know excactly what you mean about sticking yr head in the sand. I haven't opened any of my post for 2 weeks now. Just too scared to look, and if my phone hadn't been cut off I wouldn't answer it !!
Well done and good luck.