Mrs on a mission!

Choc-addict

Hi there! I've decided to start a new diary following a significant change - I got married!!!!

I am now, as the title of my diary says, a Mrs on a mission. That mission being to reduce my debt and clear it in full asap.

At the start of this year (Jan) my total debt was £28,428.16, it now stands at £25,455.90 - that's almost 3k paid off of it. I know it's now sub 25k as made payments this month already.

History bit....started dmp in Nov 2007 - turned to be a nightmare as payplan (which I know are great for most!) at this time (no idea why) did not make payments on time, left me dealing with creditors etc so I took the decision to manage it all myself and so far so good. Most bar a couple have stopped interest and the balances are coming down slowly.

Debt was prior to my hubby and I have his full support. I'm very lucky in that he pays more to household, holidays, other costs so that any free money I have can go towards the debts. However now I REALLY want to make inroads - I can't face another 2-3 years of this slog.

So there you have it, quite simple really. Now just have to put words into action...watch this space!

Choc-addict

This page is for running monthly totals/plan....

Jan 15th = 28,428.16
Feb 15th = 27,657.78
Mar 15th = 26,876.20
Apr 15th = 26,103.44
May 15th = 25,455.90
Jun 15th = 24,666.39







The plan.....

Quite simple really, cut back and overpay/save. I will re-look in coming weeks at all our utilities etc. Meanwhile my main course of action will be to save as many pennies as I possibly can in a different account to clear/make full and final offers. Thus reducing my debt and outgoings at the same time. It's finding a balance as currently pay over £900 per month towards the debts this needs to come down as crippling me but by doing the above it's a win/win situ - reduce the debts and the payments being made.

Emzilla

Hi

Congratulations on getting married and good luck with clearing your debts.

I'm off to subscribe .

Emz xx

Choc-addict

Emzilla wrote: »

Hi

Congratulations on getting married and good luck with clearing your debts.

I'm off to subscribe .

Emz xx

Thanks Emz! I love your signature - that song makes me feel invincible when I listen to it. One of my favs on ipod x

OrangeFairy

Helllllllllllllllllllllllllllllloooooo my lovely

Firstly you looked absolutely gorgeous on your wedding day I was nosily checking every so often on FB to see if some one had posted some pics I am sooo pleased you had an amazing day - you deserved a perfect day xx

I predicted you would come out guns blazing with a new diary - we both know you love a new diary lol

Good luck this year. I will be with you all the way. Finally at the point i can start overpaying my loan! Feels so good!

I hope all is well and you are enjoying married life. I am finally at the point after a year where i don't mistakenly write my maiden name! However i have been know to write down my initials incorrectly! I looked up at the holiday board at work the other day and realised all over it i had written KG rather than KK xx

Choc-addict

OrangeFairy wrote: »

Helllllllllllllllllllllllllllllloooooo my lovely

Firstly you looked absolutely gorgeous on your wedding day I was nosily checking every so often on FB to see if some one had posted some pics I am sooo pleased you had an amazing day - you deserved a perfect day xx

I predicted you would come out guns blazing with a new diary - we both know you love a new diary lol

Good luck this year. I will be with you all the way. Finally at the point i can start overpaying my loan! Feels so good!

I hope all is well and you are enjoying married life. I am finally at the point after a year where i don't mistakenly write my maiden name! However i have been know to write down my initials incorrectly! I looked up at the holiday board at work the other day and realised all over it i had written KG rather than KK xx

Hello lovely!!!!

Ha ha....you know me oh too well. Thought it was only fitting that I started a new diary as MRS

Glad you got to peak at the pics - it really was the most amazing day. I'm still smiling now a month on!!!!

Thanks for the support - I shall be needing it. Put myself down for overtime both Sat and Sun so that's a start. Need to get my MSE hat back on and work at what I need to do to really make a difference, happy days! xx

Theatregal83

Will be following you on your journey!

LunaLady

Good luck on your debt-free journey, and congratulations on the wedding

jwil

Congratulations on the wedding

Choc-addict

Thanks guys - being married is great

Now back to money. Need to aim for a few NSD's so that I can keep on track. Starting with today. I can see no reason why I would have to spend anything as working from home, have petrol in car if I do go anywhere but shouldn't do as Mum and her partner are coming over.

Little steps....aim for today = no spend day

Did a food shop yesterday and other than milk and bread I think we'll be able to make what's in cupboards, fridge and freezer last for couple of weeks which is when we get paid - fingers crossed!!!

Hubby and I are going to sit and look at finances over the weekend - first time we've had since getting married where we are both off at some point. Madness! That said I have taken overtime opportunity both Sat & Sun, every penny helps and don't know when it'll stop as sporadic at best of times.

Have a good day all

Choc x

Choc-addict

No spend day achieved yesterday :j:T:j

Very impressed with myself as had my mum and her partner over for dinner and basically made a mix match meal from anything I could find in freezer or fridge etc - went down well and didn't have to spend a penny

Aiming for another NSD today - have BBQ at friends this evening but think OH is picking up bits for that so i'm hopeful that they'll be no spending again.