want to be Debt free ASAP

optimistic-mummy

TOTAL DEBT £1252.03p

optimistic-mummy

hi everyone, hoping to get back on the debt free journey good and proper again as although i have still been chipping away at the debt feel i haven't been trying hard enough so im going to have a good sort out tomorrow and see if there is anything around the home i can sell, i have listed to items tonight as LO woke up and now i can't get back to sleep, will list some more in the morning xxxx

brummiebabe

optimistic-mummy wrote: »

Statement of Affairs and Personal Balance Sheet for 2 adults,1 child (3 years & 9 months),3 rats, 1 hamster and a lovely big dog (2 years & 2 weeks)
Monthly Income Details
Income from Employment (after tax) £2,023.77
Monthly Expense Details[/b]
Mobile Phone(s) (2 contracts with vodafone) £65.00 - have you tried contacting Vodafone to see if you can downgrade your tarrif?
TV Licence £26.00
Internet,home phone and bt vision £86.67 - this is huge!! Anyway of reducing??
Electricity £86.67
Gas £43.33
Water £26.00
Council Tax £80.00
Mortgage/Rent £400.00 - don't know if I've misunderstood but I thought you said you didn't pay rent/mortgage as your house was left to you?
Food and Household Shopping £200.00
Petrol/Diesel £86.67
car £200.00 (insurance,tax, and mot)(we are both under 25 so insurance is high it was the cheapest quote i could find)
CC Repayments £433.33 (minimum is £30 but overpaying to get it paid off)
littlewoods £30.00
parents £20.00
Pets £30.00
Laundry/Dry Cleaning £20.00
Play Group £10.00
Family Days Out £43.33 - is this necessary? Could you cut it back a little?
Haircuts £10.00
xmas,birthdays etc ---my soa is only short term (for the next 6 months max so haven't included this as i have already brought LO's xmas presents and as long as he has something everyone else knows we won't be buying for them this year)

cigarettes (myself and my partner are trying to quit but its not currently working very well) £43.33

Total monthly income £2,023.77
Total monthly expenses £1,940.33


ANYTHING NOT ON HERE IS BECAUSE THE BALANCE IS £0.00

would you say this is a reasonable SOA is there anything i've missed or that seems high to you please offer your opinions. many thanks xxx

credit card is 0% till june 2013 (or thereabouts)
littlewoods is £95 @ 0% (2 more payments of £30 and a payment of £35 and this will be paid off)

Have just caught up with your diary - wanted to say how well you're doing! I've put some thoughts on your SOA. Keep up the good work!:T

optimistic-mummy

hi thanks for your input.
i have already downgraded the mobiles they were around £45 each,
i haven't thought about reducing bt will get partner to phone its in his name. the cost covers line rental, bt vision, unlimited landline calls, and internet.
to be honest i dont think we have touched no where near that amount each month on 'family days out' so it has been going on the credit card instead.
you are correct i dont pay rent, this is what i put up to cover any household maintenance, but couldn't see a category for it so put it under rent, so it was easy to remember what it is for ... IYSWIM

hope everyone is well, sold 1 item so will make about £7 tomorrow hopefully

beanielou

£400 pm for household maintenence is very high.

optimistic-mummy

yes. it is but i want to make sure everything is covered, for instance, earlier in the year i had to have 1 of my walls in the living room stripped back to brick treated, re plastered etc. costing quiet abit as well as the bathroom ceiling falling down because of a roof leak that we couldn't get too. these were all expenses that i had put money aside for so therefore didn't run the debt up anymore that what it was. but i understand what you mean it could probably be lower, thanks will take a look at it,

the credit card is coming down nicely, littlewoods is looking OK. need to find out how much i owe the parents though

although i have still been paying the debt off i feel that i could be trying harder, so im going to have a look at where i can cut back some more ready for the new year... and carry on with eBay again, i've been trying Facebook but ended up letting a few things go for pittance so im going to start eBay listing again later on today, im up early because LO has been having night terrors/ night mares most of the night so have been up and down all night, but after i last saw to him about 20 mins ago i don't feel tired so just going to chill out for abit and wait for little one to wake up. will let you know how i get on later today . take care all

optimistic-mummy

hi everyone, how are you all?
its been really cold here the last few days .... but no snow .... i love snow.
i had a NSD day today. had quiet a few lately. only been spending money when we need to not when we want to which is good.
took LO to the drs today to get him checked over as hes had a cough for just under a week but it seemed to have got worse last night and this morning ..... hes ok his chest is clear so just got to wait for it too pass (hes 4 )
had my hair cut today ..... for free by a family friend thats a hairdresser and love it! it feels so much better now.
also got to have cuddles with my partners cousins baby which was nice, shes so tiny like a little doll and so cute !!!

ive set myself a target to make £10 a day everyday in 2013.

ive already added a NSD thing in my sig, im not aiming for a NSD everyday in 2013 but haven't quiet figured out what i could aim at for the year

ive done a 1001 things in 101 days list for a challange on here i have joined

ive also done a 52 things in 52 weeks for myself to work at .... i cant find a similar challange on here
ive also joined these challanges for 2013:
1. sealed pot challange
2. virtual sealed pot challange
don't think there is anything else to update on.... will update you all if anything comes up or i think of anything.
im really looking forward to 2013 !! feeling really optimistic about it

if i don't post before i hope you all have a lovely christmas and a great 2013 !!!

take care all xxx

optimistic-mummy

morning all, hope everyone is well and you all had a fabulous christmas.

wow it's been a while since i posted. I'm still plodding along on the DFJ and on target for my DFD. i have had 3 NSD's in last 4 days which is good, i need to check the bank as i have some bills to pay and going to make some small payments on the debt.

9 weeks and 3 days left till my DFD target !!!

plan for the next few days :

[STRIKE]1. do a meal plan for the week and get what i need to get us through the week

2. buy pet food
[/STRIKE]
[STRIKE]3. make a CC payment[/STRIKE]

4. declare my current debt balance total £900

[STRIKE]5. have some more NSD's [/STRIKE]

6. find out when ebay has its free listing ! 26th dec - 1st jan
[STRIKE]
7. take the Xmas decs down
[/STRIKE]
[STRIKE]8. book a drs appointment for me ..... [/STRIKE]

[STRIKE]9. get back on track with the weekly fly lady thread [/STRIKE]

10. get some money bags and bag up change pot and pay in the bank ...

that's all i can think of at the moment..
Hope you all have a fab new year speak soon

beanielou

Not long now then

optimistic-mummy

£820 to go !!!!!