want to be Debt free ASAP

beanielou

Do you have a 'free' council tax month in Feb?
You could use that too

optimistic-mummy

no hun. i have my payments split equally over 12 months xxx

im going to town with a friend tomorrow i have some vouchers so will see if there is anything i like if not will keep them till a later date

vouchers i have from xmas:
£20 next
£20 one 4 all
£20 new look

plan for tomorrow:

housework
sort more stuff to sell
meet friend at 1.30
go to the bank
get LO's birthday cake
get dog food
do LO's lunch box for preschool Friday

thats all i can think of ATM .... catch up tomorrow

optimistic-mummy

morning all, so i decided late last night that today was the day i was going to quit smoking ..... its about time ... been just over 5 and a half years ... i really want to do this my health and for my family.... i want to be in my sons life for as long as possible not die at 50 or even before because i couldnt resist the little white stick, wish me luck im gonna need it xx

made another payment of £40 ..... OMG WE'RE SO CLOSE I CAN ALMOST TOUCH IT X

optimistic-mummy

evening all nearly had a NSD today until i realised we were low on milk so DP popped to the shop this evening and used vouchers :money: so it was only a 48p spend ..... i have spent the evening listing more stuff for sale, need it all gone its taking up too much room..... next thing to takle is LO's toys .... and under our bed and the bottom of our wardrobes.... so might find more stuff we no longer need that can be listed. going to get DP to declutter the shed too...

so far i have sorted :

LO's clothes that no longer fit him
My clothes that no longer fit me
the bathroom... sold a unit to a family member waiting to hear when they have the money so we can take it too them.
kitchen

rooms i need to sort to see if there is anything we no longer need worth selling:

our bedroom
living room
hall and under stairs
LO's toys


its LO's 4th birthday on saturday (tomoz) ive already got his present just his cake to buy today will upload a pic of his present as soon as i have worked out photobucket

optimistic-mummy

Morning all, LO had me up at 5.50am hes opened his presents from family members but hasn't seen the present off us yet, as its still dark and its in a hutch outside so he will have to wait until it gets a bit lighter. my dad and brother are coming over this evening and we are going to pop and see my partners parents later today.... one of my best friends is also popping in to bring a present for LO i haven't spent that much really

birthday cake £10
candles £2
balloons £1
banners £2
card £2
badge £1
present £45
Total £63

will catch up with you all soon,,,,, hope you all have a lovely day. x

optimistic-mummy

evening everyone. hope you are all well? ok so yesterday was a no spends day.
this week is bill paying week. and ive decided from tomorrow till when the debt is paid im going to keep track of every little spend so i can within the next few weeks see where i can cut back further and save money and also after the debt is paid im not sure if i have mentioned it before but i don't want to go back down this road so will will be saving for everything and try and grasp the attitude of if we can't afford it we dont buy it ... if we don't need it we don't buy it. i would like to try and cut down on my grocery shopping more so will try and do a meal plan for the next 2 weeks .... and figure out what we can use in the freezer and what we need to buy.... and stick to a list ....

i was wondering while i remember to ask ...once i have paid the debt off could i carry on with this diary to keep me focused on not going back into debt and start saving ? are we allowed to do that or not ?? if anyone could advise me on that one id be very grateful,,,

as a general update ... we have been keeping spends to a minimum as much as possible
ive been keeping on top of the housework alot better :T
ive stayed focused on achieving my target to become debt free before march .... most of the time

im off to bed now ..... speak soon take care all hugs to those that need want one x

beanielou

Of course you can continue your diaqry & what a great idea to do so to keep you out of debt.

optimistic-mummy

hi everyone, my cheque cleared the other day into the bank and i have made some payments between last posting and now so we have £200 left to pay woohoo ..... xxx hope everyone is well, everything is going great here at the moment hugs to those that need/want one TTFN xx

rubyinamountainofrocks_2

Hi

Just wanted to say well done on all the progress you have made - you are so close - looks like u will deffo make your planned date too

Good idea to continue with the diary!

I see your TTCing again now so pleased for you, I am sure it makes it all worth it, hope all goes well for you.

Good luck with the smoking too!

Don't always get round to posting on other people's diaries much but lovely to see all the progress made after following someone's journey and how they got there

optimistic-mummy

hi thankyou for your post/message rubyinamountainofrocks. yes we are now officially TTC a little brother or sister for DS. i have £50 left to pay and then we are officially debt free !!!! i will then be starting a savings diary following on this .... hope everyone is well, hugs to all that need/want one. and thankyou to everyone for your support and advice along the way (((massive hugs to you all ))) xxx