want to be Debt free ASAP

optimistic-mummy

EJG1982 wrote: »

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

thanks so much for the advice will be taking it all on board. LO is at preschool tomorrow so really hoping i can make a start at my lists. i've got another 20 items to list on eBay so going to try and get them on tonight and tomorrow every penny helps. and OH has agreed as soon as its paid we can start TTC a sibling for LO. so the sooner its paid the sooner my wish for LO to have a sibling will come true ... when i do loose motivation this is what pushes me to carry on, xxx

PHARR

Doing well. Keep it up and don't give up. Alot of people read these and you give others hope and inspiration just by even admitting your in debt and want be debt free.

Keep going.

optimistic-mummy

Paddy_H wrote: »

Doing well. Keep it up and don't give up. Alot of people read these and you give others hope and inspiration just by even admitting your in debt and want be debt free.

Keep going.

Thank you.

i really want to be debt free ASAP ... as the title says. i want to cut the credit card up but im not sure weather to wait until its paid and i've closed the account ??? does anyone know whats the best thing to do x many thanks for reading

EJG1982

Well my drive is 100% BABIES!! Recently turned 30 and our friends who have started their familys is making us feel a little left behind, there's 5 couples in our close group, 2 have already had a bunch of mini me's, 1 is due december and the other is planning for summer next year.. so we'll be the last and few years behind that. its a little frustrating as we are all in completely different situations, a few of them dont understand or truly respect the debt issue we have and resort to a bit of micky take about being the last. thankfully i have an amazing friend who's been dealing with her debt past 5 yrs, finally in the clear and going all out for saving ready for her 2013 baby making year as she calls it :rotfl:

i really think 1 of your first goals should be your budget. depending on how/when you receive the household income, have a review of your last few months spending and see where you can save. i found online statments brill for this. exported them to excel and filtered out the bills/dd's etc then looked at what we where spending and where. so much was going on litttle purchases for lunches, weekends, silly non essential shopping in supermarkets, TAKE AWAYS AND DRIVE THRUS!! once you can see it as a lump sum its a wake up call, we had something like £150 on mac'd alone, just £'s here and there adding up :eek:

now ive set up a budget spreadsheet and on a trial with a set weekly cash spend for those nonsense items. if i gave us nothing thats when i stress out at having 'no money' and try to make myself feel better by buying crap. Be realistic with it and work your way down

EJG1982

oh and with the cutting up card thing, decide whether you actually need it. i thought about ours like that, we have 5+ but im going for put them out of sight, dont carry them round, and see how you get on. if you can manage without touching them, it'll give you a positive boost that you're in control x

optimistic-mummy

EJG1982 wrote: »

Well my drive is 100% BABIES!! Recently turned 30 and our friends who have started their familys is making us feel a little left behind, there's 5 couples in our close group, 2 have already had a bunch of mini me's, 1 is due december and the other is planning for summer next year.. so we'll be the last and few years behind that. its a little frustrating as we are all in completely different situations, a few of them dont understand or truly respect the debt issue we have and resort to a bit of micky take about being the last. thankfully i have an amazing friend who's been dealing with her debt past 5 yrs, finally in the clear and going all out for saving ready for her 2013 baby making year as she calls it :rotfl:

i really think 1 of your first goals should be your budget. depending on how/when you receive the household income, have a review of your last few months spending and see where you can save. i found online statments brill for this. exported them to excel and filtered out the bills/dd's etc then looked at what we where spending and where. so much was going on litttle purchases for lunches, weekends, silly non essential shopping in supermarkets, TAKE AWAYS AND DRIVE THRUS!! once you can see it as a lump sum its a wake up call, we had something like £150 on mac'd alone, just £'s here and there adding up :eek:

now ive set up a budget spreadsheet and on a trial with a set weekly cash spend for those nonsense items. if i gave us nothing thats when i stress out at having 'no money' and try to make myself feel better by buying crap. Be realistic with it and work your way down

EJG1982 wrote: »

oh and with the cutting up card thing, decide whether you actually need it. i thought about ours like that, we have 5+ but im going for put them out of sight, dont carry them round, and see how you get on. if you can manage without touching them, it'll give you a positive boost that you're in control x

thanks. i find doing a weekly budget easier by splitting DP wages into how many weeks their is until he gets paid again. i've always done this so it will be weekly budgets. after he is paid each month i leave the money in the bank to cover the direct debits and pay most of our bills fortnightly. i have joined the weekly spend challenge where i am including everything except debt repayments and although i have gone over budget its made me more aware and im not parting with the money as easy ... unless its going on the debt repayments. but i am going to start budgeting alot better so hopefully can stick to the budget better. will be working out a budget over the weekend for next week. fingers crossed this time we stick to it or come in under budget. with the credit card i was going to put it in my FIL's safe so we cant use it... then cut it up x:o

optimistic-mummy

ok so ive decided i want to be debt free by new year ... that gives us 108 days :eek:

Debt on 13/09/2012
Credit card £1,311.45p
Littlewoods £312.65p
Parents £100
Total Debt £1,724.10p

^^ this is the total as of today!!
that works out to £114.94p a week :eek::(
not sure we will do it but im going to try my absolute hardest
will keep you all updated.
wish me luck think im going to need it

EJG1982

:wave:Morning O-Mummy...

are you on track for sorting one off the list today hmmm hmnm are you, i hope so as if not its very

how much would you save if you cancelled all those subscriptions you list?

the next few months will go so quick it'll will be brilliant of you can stick it out till then, and boom new year no debt :j:j

my plan is 2-3k by christmas, 1 c/c is on 0% until then and i want it clear, hence £550 going to it monthly :eek: and thats just one, think im just under a grand going a month :eek::eek:

We CAN do it, we CAN do it :rotfl:

optimistic-mummy

EJG1982 wrote: »

:wave:Morning O-Mummy...

are you on track for sorting one off the list today hmmm hmnm are you, i hope so as if not its very

how much would you save if you cancelled all those subscriptions you list?

the next few months will go so quick it'll will be brilliant of you can stick it out till then, and boom new year no debt :j:j

my plan is 2-3k by christmas, 1 c/c is on 0% until then and i want it clear, hence £550 going to it monthly :eek: and thats just one, think im just under a grand going a month :eek::eek:

We CAN do it, we CAN do it :rotfl:

good luck with the debt busting hunni.

im doing ok just on the phone to one of the companies now, i will get it all done by tomorrow. (i hope) im going to list the rest of my Ebay stuff tonight and tomorrow.

optimistic-mummy

thats £25 saved
£10 for laptop insurance
£10 for which subscription
£5 for mobile phone insurance

dp doesn't want me to cancel love film as he said it will cost more if we wanted to rest a dvd ... so thats staying ... but i have crossed it off the list so i dont cancel it .. else i will get confused. hope everyone is well, hugs to those that/need want one xxx