want to be Debt free ASAP

optimistic-mummy

well done to your OH for quitting smoking.... i have tried before even went cold turkey for 3 weeks and bailed !!
yeah would be good to be able to make regular extra pennies, i find that too that so far in it says that you dont fit the criteria ect. i also do the free bingo when i have time to buy the free tickets. i always get logged out tho cuz i forget and then it logs me out

plan for tommorrow :

[STRIKE]
• internet banking [/STRIKE]
• pay bills
• go over budget for final time make sure ive covered everything
• do small food shop
• list what food i already have in the house
• clean and tidy / more decluttering/sort out more stuff to ebay/sell
  [STRIKE]
• take LO to preschool
  [/STRIKE]
• pick LO up from preschool

im off to bed now. really tired after a few sleepless nights. night night all thankyou to everyone for there support. hello to everyone reading. feeling really positive that i will hit my DFD or as close to it as possible hugs to those that need/want one xxxx

Homemadehappiness

Hi, just had a quick skim over your diary, i'm needing to dent my debt too so we can ttc for our second! hope you had a good day and you get a goods night sleep xx

optimistic-mummy

:mad: did a budget for this week and saved it on my laptop and now i can't find it anywhere ?? :mad:
will try and do it again tommorrow but i can't remember what outgoings i have this week urgghhh .... may be able to think properly once ive had some sleep will have a think and try and do a budget again tommorrow xx

quick budget i have put together (hope ive remembered everything)

TV Licence £12.00
Electricity £30
Gas £10
Water £12
Food and Household shopping £40
Petrol/Diesel £20
parents £20.00
Pets £10.00
Cigarettes £20 (this will last 2 weeks)
other £30
total £204

our total debt as of today (monday) before any payments are made is

£1721.11p

that hasn't come down very much since i started this diary. beginning to wonder if i will hit my DFD .... must try harder.... this is made up of our credit card which i cut up a few weeks ago after starting this diary. littlewoods, and debt to parents ..... we can do this we can!!! just need to be more focused !!!

optimistic-mummy

Homemadehappiness wrote: »

Hi, just had a quick skim over your diary, i'm needing to dent my debt too so we can ttc for our second! hope you had a good day and you get a goods night sleep xx

thanks for reading. good luck with your debt busting ... we will be TTC for our second once our debt is cleared too,
think i may have to go to the drs regarding my sleeping saturday night i didnt sleep at all, last night i slept for at most 2 hours and tonight i can't sleep either. will leave it abit longer but if it gets no better the dr's it will be. i know what the problem is im restless or what ever it is you know when you feel slightly tired but no matter how hard you try you can't sleep xxx

optimistic-mummy

hi everyone,
not much to update. my Littlewoods balance is at around £95 now, not sure on my credit card balance as i have made a few small payments but its not showing up online yet so will update with a balance when the payments have came off. hope everyone is well. yesterday was a NSD. OH has made, £35 just waiting for them to collect and pay for the item. we sorted out LO's presents today and their was alot less than we originally thought so will get him a few more presents over the next few weeks, trying to convince OH to not buy for each other this year,,, its not working so far, :mad:
hope everyone is well, hugs to those that need/want one xx

have just worked out our total Debt stands at £1662.00 more than i had hoped but i will have it stand at £0.00 hopefully within 6 months

beanielou

But you dont need to get LO more pressies just because you spent less.

optimistic-mummy

hi everyone, hope you are all well, hugs to all that want/need one.
i've had a few NSD's last week. and limiting myself to a £60 budget this week. tight but should be do-able. as i need to pay the mobile bill of £45 so that leaves £15 for food etc. just a quick update as i'm off back to bed now. night all, catch up soon.tc all

optimistic-mummy

hi everyone, hope you are all well, i havent updated for a while but have still be debt busting. if i keep on track we should be debt free as of 14 weeks today. maybe sooner if i can sell some stuff i have listed . feeling more at ease about it now... we will get there... we will become debt free!! hugs to those that need/want one xxx

beanielou

That sounds very positive ~ 14 weeks is not long :j

optimistic-mummy

hi everyone, cannot believe we are in December already, this year has flown by, busy week this week, appointment at dr's for me tomorrow. DP has a dentist appointment on weds, gas check today.
still chipping away at the debt, its coming down slowly. i will get there in the end, just hope DP doesn't change his mind about our plans once the debt is paid, not much to update on. will try and work out our total debt and update. speak soon xx hugs to all those that need/want one xxx