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Payday tomorrow

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and it will be the first official day to our new debt free life :beer:
Small things have changed over the last week (since i had my LBM)
we have decided to take the cash out of the bank for groceries every week instead of paying by card, also giving hubby the calculator to take with him :D
DEBT FREE AND PROUD:D
'Better to remain silent and be thought a fool than to speak out and remove all doubt'

Comments

  • kittycat65
    kittycat65 Posts: 49 Forumite
    Good luck! I am not far behind you in terms of LBM, so I'll be interested to see how you get on, particularly as I don't get paid for another week.
    LBM - 18/5/12
  • Barbeduk
    Barbeduk Posts: 869 Forumite
    Tenth Anniversary 500 Posts Combo Breaker Debt-free and Proud!
    Yey! Go Sista!

    Have you been over to the grocery challenge thread? Loads of great ideas for saving money and loads of recipes too.

    Good luck with the journey.:D
    Make £2020 in 2020 £178.81/£2020
    SPC 13 #51
    Feb Grocery Challenge £4.68/£200
  • kittycat65 wrote: »
    Good luck! I am not far behind you in terms of LBM, so I'll be interested to see how you get on, particularly as I don't get paid for another week.


    So will i :rotfl:
    Right now i'm motivated and have even managed to motivate hubby who has had 3 NSD this week :D
    Bought a new printer (with vouchers i had for a while) so i could print off the tax relief form and snowball calculator. All statements, snowball calculator and list of debts compiled into a folder :) Will also be checking the bank every day to keep a close eye on finances. Watch this space....
    DEBT FREE AND PROUD:D
    'Better to remain silent and be thought a fool than to speak out and remove all doubt'
  • Barbeduk wrote: »
    Yey! Go Sista!

    Have you been over to the grocery challenge thread? Loads of great ideas for saving money and loads of recipes too.

    Good luck with the journey.:D

    Hi, i haven't but hubby does the shopping so will just send him with cash and a calculator (he won't want to fail in the challenge[male pride]) :D so i'm sure we'll be on budget. I think i'll do the diary thing that i've seen posted though....
    DEBT FREE AND PROUD:D
    'Better to remain silent and be thought a fool than to speak out and remove all doubt'
  • brummiebabe
    brummiebabe Posts: 1,894 Forumite
    Good luck Sista!! Your plan sounds very similar to mine...but I can't start til my payday - which is Monday!! Cash is the way to go!!! Good luck x
    20p Saver Club #33 60p/£100
    Christmas Saving £0/£1300

    Saving Target 2014 £25/£1000
  • hudswell
    hudswell Posts: 252 Forumite
    As well as the cash and the calculator, don’t forget to give your husband the LIST.

    Simple rule – if it’s on the list, it can be bought. If not, it stays on the shelf.

    Best of luck to you both for your journey






    May contain nuts. Your mileage may vary. Batteries not included. Thanks to all posters :D


  • Ladybird.
    Ladybird. Posts: 235 Forumite
    Good luck sista, sounds like you are really focused!
  • pheebs
    pheebs Posts: 11 Forumite
    Part of the Furniture 10 Posts Photogenic
    Good luck on your debt free journey!
    DMP with Stepchange started 1/6/12 for £44k
    Paid off in Aug 2019
    Now working on early repayment of mortgage and mortgage advance with Barclays £92k
  • Good luck! It can take a while to get used to spending this way, but after a few weeks it will feel normal and you will be surprised how much you have left over to put towards the debt! x
    £21k of debt left to go and got until 2014 to clear it! :eek:
    CC: £14,000
    Loan: £1,100
    Loan: £6,100
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