NikNok's Road to £0

DreamerHelen

Aww bless...a little girl!!! I bet she will be the most loved and spoilt little girl in the world...and too right!!

Don't worry too much about how you will manage...you WILL manage....you can always cut down on things here and there...

niknok_2

I think at the very worst we will have £460 a month after bills but before cc payments which will be around £50 a month so im hoping that I can make £50 a month at least to cover these!

Need some money making ideas now though...

niknok_2

Ok so there were a few bits on the list that didn't get done this weekend but seriously where do the weekends go!! They just fly by!!

I have a few things going on this week...

Going out at 1pm today for lunch and taking my grandad to Derby.
Lunch tomorrow with my best friends.
Wednesday will have to be uni work!
Thursday going to nans for dinner at night so can go swimming and do uni work in the day.
Friday virgin media man coming to change my box and OH is out at night time so more uni work!

In between all of this I must try and get to my first target of £126 to pay off my CC... currently at £76 and have a few more pennies to go and cash in today so hoping I will smash this this week then onto make £250 for OH CC.

niknok_2

I'm so very proud of how my 1% challenge is going. I know I haven't been doing it long but it is really spurring me on to get each of the little debts clear its gradually getting closer to the 10% marker. I have a couple of bits to eBay which should make between 1-2% each and I still have this massive bag of clothes to take up to the cash for clothes place but need OH to help because of how heavy it is.

DreamerHelen

Well Done NikNok hun...You are doing sooooooo well!! And it can't be easy trying to get debt free when a baby costs a little bit of money.....but she will be such a blessing for you....no matter what she costs....

Carry on hun...you WILL get there!!

niknok_2

Thanks Helen

It hasn't been easy but we have come out the other side and the only thing we have bought on credit for the baby is the furniture which we owe £130 on so I think we are doing rather well Just want it all paid for now but we have a long slog ahead.

DreamerHelen

I know it feels like there is a long slog ahead hun....but do try and break it down (as you are doing) into little chunks...that way it won't feel so bad....

You are doing so well hun....Keep Going!!

niknok_2

Ok so start of May and debts look something like this...

Loan from Nan to clear my HSBC £10,500 (this is still being processed so not 100% on the amount I will be borrowing from her)
Family member £950
CC: £4654.20 (this will probably go up when I balance transfer due to the fee)
Mortgage arrears: £2298.20 (upped mortgage payment by £23 a month for now whilst im on mat leave!)
OH's refinance loan for overdraft: £2897.42
OH's sainsburys loan: £900 rough est

ODDS AND ENDS

My halifax card: £126.33
OH's halifax card: £259.26
Next: £20.00
Very: £138.00 (BNPL Sept 2013)

amyc92

Read your diary and subscribed SO exciting with the baby
xx

niknok_2

amyc92 wrote: »

Read your diary and subscribed SO exciting with the baby
xx

Hi hun

I know not long to go now. She could come any day and when she does i'm praying i have more energy to do stuff!!

xx