want to be Debt free ASAP

optimistic-mummy

Hi, i wanted to start a diary for motivation and also to try and track our spending... starting today. really hope it will help me to keep motivated to pay off the debt and then we can start saving and start TTC a younger sibling for our son.
our household consists of DP, Me , DS, pet rats and a Golden Labrador oh and a hamster as of next monday.. a present for LO
currently our debt is at :
Credit Card (0% till june 2013) £1562.10p
Littlewoods (0% ATM) £312.65p
Parents (0%) £100
Total debt 07/09/12 £1974.75p

Total Debt 25/10/12 £1662

Total Debt 31/12/12 £820

Total Debt 02/3/2013 £0.00 :j

ok so its not huge but it worries me so the sooner its gone the better.

this will be my own little diary... debt free and some times just day to day stuff.

DP has put his old Xbox up for sale so hopefully can sell that to put towards debt. we shouldn't have any more spends this week except for the £20 that i have already put aside for drinks at a wedding on Saturday.
i need to

[STRIKE]
• cancel my which subscription[/STRIKE]
  [STRIKE]
• cancel my laptop insurance [/STRIKE]
  [STRIKE]
• cancel phone insurance[/STRIKE]
  [STRIKE]
• chase up a parcel that i haven't received. [/STRIKE]
• pay £15 cheque in
• downgrade mobile contracts
  [STRIKE]
• start meal planning... and take a list when food shopping (i work alot better to lists... have loads of different ones for various things)[/STRIKE]
  [STRIKE]
  • Do a weekly budget[/STRIKE]

im currently studying with open university which helps to keep me busy and ive joined a few challanges on here to try and motivate me but i will be posting everything in this diary as well as on the individual threads so its all in one place. thanks for reading. i do babble abit im sorry. speek soon x

i would also like to cut down the amount i smoke (want to quit completely soon) so will try to keep track of that too.

can't sleep .. have done our budget for next week but im not sure if i've missed anything so will have to double check it. hopefully will be able to make a few payments (even if only small ones) to the Credit Card next week. every penny counts.
have also done a meal plan for next week. shouldnt need to buy anything for the evening meals apart from fresh veg, but will need milk bread and lunch time stuff. have enough cereal and porridge so breakfasts are sorted too x

WSC 03/09/12-10/09/12 = £110 spent so far £87.00
september No Spend Days 4/10

DFD TARGET : 04/03/2013 = £80 P/WK TO MEET TARGET

tootallulah

Good luck.

optimistic-mummy

tootallulah wrote: »

Good luck.

Thankyou hun,,,
nothing intresting to report.. hopefully this will help keep track of everything. NSD today ... will update sig in a min. tommorow we've got a wedding so will be having dinner there and monday we've been invited to my aunties for tea. so only need to do a 5 day meal plan this week, have family over tonight, its a regular thing, thankfully i have enough tea bags sugar and milk so wont need to buy any. going to de-clutter sunday and see if we have anything worth selling. catch up later x

optimistic-mummy

just listing some stuff on e**y before my visitors come will do any left over tomorrow night after the wedding and Sunday. every penny helps. x
3 items listed so far... taking ages as im having to do it on my phone as i cant get the photos onto my laptop. and i cant gt used to the ebay app on my phone or type as fast on my phone as what i can on the laptop but hopefully it will all be worth it...
4 items on Gumtree.
well there was 4 items on gumtree but as quick as i advertised them they have been removed. with no email why and the adverts don't break any of the rules so i have emailed them asking why they have been removed x

beanielou

Which debt are you currently targeting?
Could you raise some extra money by car booting?
E bay?

optimistic-mummy

hi thanks for your post. the credit card is the main one i want to clear but would love to clear littlewoods too, im currently listing some items on ebay at the moment. hopefully will get some bids
we are currently paying off around £400 a month on the credit card give or take a little. the interest free ends next june so should have paid it off by then. i didnt know weather to cut it up but i make the payments online.
my plan for next week is as follows :

• list items on ebay
• have as many NSD's as possible
• have all evening meals out of the cupbord and freezers
• pay as much off the debt as possible
• dry laundry on the line

• keep track of spends

• sort shed out
• collect LO's hamster
• book dr's appointment

weekly budget and meal plan for this week is done. x

mum2one

sounds like your going great guns with the planning, how are you finding Open Uni, what course are you doing, i've just done Foundation Degree in Business, and signed up for DD101 Intro to social sciences, fancied a change... xx

optimistic-mummy

im liking it ...
im studying for a bsc (honors) degree in health sciences.
well done on doing your foundation degree in business, i found out yesterday i passed my first module towards my degree and im currently studying the dse141 discovering psychology towards my degree. xx:)

how do i do an SOA .... will do one sometime this week once i can find out how :think:
Budget for 10/09/12-16/09/12 @ midnight
ELECTRIC £25
GAS £10
WATER £10
TV LICENCE £10
FOOD £25
HAMSTER £18
DOG FOOD £15
Rat and hamster food £15
odds and sods £10
direct debits £20
TOTAL £160.00!

INCOME £394.29p
Should leave around £234.29 towards debt
we will see x

optimistic-mummy

morning all, its the morning of my uncles wedding and im kinda hoping someone will offer to buy us a drink, so we come back with money in our pockets. we prob wont stay late as i've had a few bad nights. and last night couldn't fall asleep until 6.30am was going to get up and then i thought even half an hours sleep is better than none. LO was awake at 7.30am dont feel tired yet but probably will soon. ive done most of my housework. x

i have 1 watcher on one of my ebay listings.... hopefully they will place abid before the auction ends x

ok so LO work up this morning and had really watery poo... sorry tmi i though it was because he ate loads of fruit yesterday but he has since been sick, he seems ok but i dont want to drag him to a wedding incase he is ill later again its not fair on him,... so we wont be going i have let them know. hopefully yhey will understand. i feel guilty x

beanielou

So do you not pay rent or mortgage?

optimistic-mummy

no as we live in a family members property that was left to me. when they passed away x