Help! Debt

pink_fairy_7

Can't sleep. Must be excited cos its payday and can reduce the debt a bit more.:eek: Sold some trousers on Ebay so thats another £15 to add to the pot. £213 to go. Off to check my balances.

pink fairy x

pink_fairy_7

Another £28 being tracked through quidco. Hopefully should receive the payment before xmas. So I need to make £188 more to get the £300 extra I need. Car booting tomorrow. Money from that should get the ccs and egg totals below £23K next week.
pink fairy xx

Iona_Penny

I wish yo luck with your car boot; it was you who inspired me last year and I am phsyc-ing(?) myself to do one next saturday as we have been having a mega clear out.
I think you have been absolutely amazing with the amount of money you have paid off, and I don't doubt you will get your £300 by Christmas.

pink_fairy_7

Thank you so much Iona_Penny. I made £69.85 at the car boot, £10 ish short of my target. Its difficult to make much these days especially after the whole summer. I think I only sold one book. Never mind its money I didn't have and the house is just about cleared of clutter. I wont be able to do any more car boots as I never buy anything any more so there will be nothing to sell:T
I wish you luck with your car boot and thanks again for your post
pink fairy xx

pink_fairy_7

Well this month has been a long hard slog. I've spent too much money and had to use my overdraft :mad: Never mind it's payday this week so I can clear that straight away however that means less clearing of the cc's. I need to trim the budget this month somehow. I'm going to start with the food bill. My daughter is now away so thats one less mouth to feed (however she did pay board and that money will no longer be coming in) and the cupboards are full of stuff. I might be able to get away with just buying basics and meat for the next four weeks. Need to do a tight menu plan and stick to it.
I have £17 waiting to clear in paypal (from quidco) however nothing listed on Ebay. I've nothing left to sell!!
Off to tweek the budget:eek:

pink fairy x

pink_fairy_7

Having a really bad month. Spent far too much money. I treated my youngest daughter to £150 worth of new clothes:eek: :eek: I felt really guilty cos shes had hardly any nice things for ages. I am also missing my eldest daughter. Work has been rubbish. I did six ten hour days last week and its continuing this week, however I cant leave as I need the money. The credit cards have been used and I have blood tests for stuff at the doctors tom.
I'm so sorry to put all my troubles on here but having written all that down I now realise why I am a little stressed out at the moment.
I have a week off next week and its also payday so there is something to look forward to.

so sorry to moan

pink_fairy_7

Just re read the above post:eek: I was fed up!!

Never mind. I'm feeling quite positive at the moment. CC's will be cleared by the end of December and I'm going to overpay the egg and nr loans from then on. Target for total debtfreeness is Dec 2008.
I'm sticking to a tightish Christmas/Grocery budget over the next few weeks. Me and OH have started matched betting. Over £100 in the pot already. Most of the profit will pay for presents.

pink fairy xx

pink_fairy_7

pink_fairy wrote:

Updated SOA from pink fairy

BUDGET
740.00 Bills and Mortgage Now £550 (includes £50 mortgage overpayment)
200.00 Grocery Now £180
150.00 Petrol Now £50
20.00 Birthdays Now £30
40.00 Clothes Now £8.34 (daughter only)
12.00 Magazine subs Now £8
14.00 Haircuts Now £10
40.00 Misc expenses - school etc Now £20
490.48 Loans Same £490.48
405.00 Credit Cards Now pay £673
total = £2111 Footy Subs £16 (2 kids)
Savings £95 (School trips and hols)
Total 2007 £2130.82


Wages £1823 Wages £1804
123.00 Child Benefit Child Benefit £126.31
200.00 Maintenance Maintenance £200

Total = £2146

Total 2007 £2130.31

Current balances are:
Cashback sites £108.62
Vouchers £110.00 (for clothes)
Amazon £15.06
YouGov £44.45
Pigsback £21.15
Nectar 5719 points
Tesco Clubcard 4278 points

My aim is to stick to my budget all year and get as much cleared as possible. I aim to spend no money that it not budgeted for, use cashback sites to get extra money to clear Barclaycard. With my work bonus I cleared some of my NR loan(9.9%) and kept balances on my cc's instead as the interest rate is lower.
When I joined this site I was desparate and had outstanding debts of £45K, these are now less than £30K in 22 months. I would like them to be under £15K by the end of 2007. This is only going to happen if I stick to this budget rigidly.

Happy New year everyone and thank you for all the help this year
pink fairy x

In_Search_Of_Me

Hey PF, long time no see (me not you!) good to see you're still plugging away at it! I've been dire & had to get back on track (just added up my balances!)...great that yu got a bonus! All we got was a stroppy letter from the management saying that if we had a Christmas meal we had to make the time up!!

pink_fairy_7

Well its only a few days until payday and I can reduce the cc a bit more.
I've made £185.34 in the money from anything challenge (ebay, amazon,cashback clicks) so far this month. I have 5688 in tesco points, this will pay for son's birthday present (driving lessons through clubcard deals). Nectar points are up to 5757, saving these for xmas food. Yougov over £46, not long until the £50 payout:D
I've hardly spent anything this month, however I do need a haircut. I look like a scarecrow:eek:
I've been reading the Tightwad gazette and have started a price book like she advises. Its opening my eyes to areas on the grocery budget where I am still overspending. Having said that I've failed the grocery challenge this month due to starting to bulk buy stuff when its on offer:rolleyes:

pf x