want to be Debt free ASAP

optimistic-mummy

i noticed i've had some views. please feel free to say hi, any advice is much appreciated. and i need encouragement to keep me going.... don't want to do it alone. hope anyone who reads this is well. hugs to those that need want one... xxx

:mad: £5 overdrawn because i miscalculated ... hopefully wont get charged too much. i don't get the standard fee of £25 because its an authorized over draft instead of un-authorized

beanielou

Good news on the ebay sales :j

optimistic-mummy

have brought a Xmas present for LO for £5. so that's all of this weeks budget gone, but don't need anything now so should be OK x

optimistic-mummy

beanielou wrote: »

Good news on the ebay sales :j

thank you

optimistic-mummy

have listed some more stuff on eBay. need to get rid of the clutter is aggravating me.... and hopefully make some money at the same time x
5 more items listed on ebay.
going to aim to list 5 items a day untill i run out of stuff lol. x

optimistic-mummy

made another payment on the credit card. ... i can see the light at the end of the tunnel now im finally seeing the balance go down instead of up. x

optimistic-mummy

i need to pay littlewoods monday. x
I Can't sleep... was going to make a small payment to the credit card but i cant because the internet banking is down for maintenance, until 3am. so unless im still awake in half an hour will leave it till the morning. got the dentist tomorrow for 2 fillings. last time i started chocking and kept gagging hopefully this time it will go OK because last time it took them twice as long as it was suppose to might pay another payment to littlewoods too, we will see. my next statement is released monday so may just make a payment then ... decisions decisions ... cc or littlewoods :undecided:think::think::undecided

optimistic-mummy

not much to report, a NSD so far. my bank's internet banking is still down so cant make a payment today. will try and do it tomorrow. OH said we needed petrol. because theirs only half a tank, i told him we dont need to go anywhere the next few days and even if we did theirs still half a tank so it can wait till next week, will be eBay listing again tonight. hopefully will get some sales. LO is at preschool so ive done all the cleaning so its now lovely and tidy. x
listed some more items on eBay currently have 17 items on there

i have a bid on one of my items that ends in 3 hours so thats sold. yeaahhy another sale

optimistic-mummy

have made another £3.80. but im way over budget this week. i must try harder next week. x
Friday i need to
[STRIKE]1. cancel my which subscription[/STRIKE]
[STRIKE]2. cancel my laptop insurance[/STRIKE]
[STRIKE]3. cancel phone insurance[/STRIKE]
[STRIKE]4. cancel love film[/STRIKE]
[STRIKE]5. chase up a parcel that i haven't received.[/STRIKE]
6. pay £15 cheque in
7. downgrade mobile contracts
[STRIKE]8. Do a weekly budget [/STRIKE].... and stick to it!!
9. list the rest of my pile on ebay
[STRIKE]10. sort my clothes out [/STRIKE]
[STRIKE]11. sort LO's clothes out[/STRIKE]
[STRIKE]12.post parcel[/STRIKE]

i have got LO a stocking for xmas. free off freecycle so thats one less thing to buy x

EJG1982

evening o-mummy << soz its just more affectionate lol :rotfl:

well done on efforts so far, and reading through it makes me realise i really must start my diary.. im never short of words to type and my head its constantly filled with stuff over stuff that stops me sorting other stuff so im going to get it done. even just to keep me on the right track.. this place has been amazing and filled with such like minded peeps..

i like tha your list is still going.. reckon you should attack at least one of them tomorrow, dont set out for all as if your like me you can sometimes feel down if you dont achieve even the smallest task..1/2 at a time and be proud as punch..

... especially one of the subscriptions.. tho hang fire on lovefilm or reduce it.. i found its been a money saver for me as when we didnt have it a sneaky sky film was bought or dvd hire from shop..

...and defo the weekly budget!!! DO IT!! im 2ish months into a budget for me and the fella, working so far and starting to feel guilty when i slip up

little steps and keep positive :T:T:T