want to be Debt free ASAP

optimistic-mummy

have just sorted my christmas present list. we have decided we are only buying close family this year.
here is it :
partner
LO – 6 small presents so far £25
[STRIKE]Dad – £15.50[/STRIKE] done
[STRIKE]Ollie – £15.50[/STRIKE] done
Nana and great nana
[STRIKE]Grandma [/STRIKE]
[STRIKE]Trish – £15.00
Trevor – £15.00[/STRIKE]
[STRIKE]Mum[/STRIKE]
Off LO
[STRIKE]Daddy[/STRIKE]
Nanny
Granddad
Uncle Ollie
Granddad palf
[STRIKE]Great grandma [/STRIKE]

braddy970

Love your diary optimistic-mummy, will be keeping an eye on it best of luck with everything x

optimistic-mummy

braddy970 wrote: »

Love your diary optimistic-mummy, will be keeping an eye on it best of luck with everything x

thankyou .... im gonna need it :)

have replied to an email about an item i have for sale... hopefully will have a buyer. all extra money to help pay the debt,

EJG1982

:j:j well done to you £25 saved, and good move with the lovefilm. we got rid of sky and moved to that instead, £10 a month for 2 discs unlimited use but has saved loads in hiring films from blockbusters & £40+ on sky etc.. we make movie nights instead of going out!

with your first saving you could top cupboards and freezer up with as much as poss to cover the tighter times, then the rest to pay off. Amazing how much you can get in the offers.

i have a monthly food/petrol allowance and then a weekly cash fund for whatever we fancy/need. i like seeing the cash weekly then im less likely to spend it stupidly on rubbish as it doesnt seem like 'real' money on cards lol

ive run out of ebay stuff pretty much, went on clearing spree a while ago, even loads of SHOES :eek: which is shocking for me a shoe queen!

optimistic-mummy

EJG1982 wrote: »

:j:j well done to you £25 saved, and good move with the lovefilm. we got rid of sky and moved to that instead, £10 a month for 2 discs unlimited use but has saved loads in hiring films from blockbusters & £40+ on sky etc.. we make movie nights instead of going out!

with your first saving you could top cupboards and freezer up with as much as poss to cover the tighter times, then the rest to pay off. Amazing how much you can get in the offers.

i have a monthly food/petrol allowance and then a weekly cash fund for whatever we fancy/need. i like seeing the cash weekly then im less likely to spend it stupidly on rubbish as it doesnt seem like 'real' money on cards lol

ive run out of ebay stuff pretty much, went on clearing spree a while ago, even loads of SHOES :eek: which is shocking for me a shoe queen!

yeah i know what you mean with weekly allowances is easier. i find it easier doing it weekly. im going to do what you said with the food. ive got my chest freezer coming bk in the next week or so too, (it was at MIL's as we didnt have room), so will be stocking that up with some offers too, my fridge has the essentials .. and a few extras the freezer is still full ... and chest freezer round at MIL's half full. my larder cupboard is half full. i did get 1700 pg tips tea bags the other day for about £13 so thats around 3 months of tea bags sorted... i drink alot of tea.

i will soon run out of stuff to eBay, ... but im not going to loose hope. i will have the debt paid by new year ,,, or as close to it as possible

off to pick LO up from pre-school catch up later. xx

optimistic-mummy

i have some interest in one of the items i have for sale. just waiting for an email reply, also going to list the remainder of my stuff on eBay tomorrow night. so hopefully will have some more sales next week. trying to sort out the weekly budget for next week. but apart from petrol and a top up weekly food shop not sure if there is anything else we will need. will have to have a think as im going to try really hard next week to not go over budget so i want to make sure i've included everything

just realised ive had over 1,000 views .... :wave::wave::wave: everyone .... hope you are all well. hugs to those that need want one. and good luck to any one reading that is also debt busting

optimistic-mummy

got a lady coming after 4pm today to buy something so thats 1 less thing in my house and £25 made. need to list the rest of my stuff on eBay tonight. so far so good today x

another item sold on eBay that ends today. x

Ellie83

I'm so glad I found your thread! I do not have debts but your frugal lifestyle is making me even more eager to save for the baby fund (the "waiting to TTC" crowd is everywhere :rotfl: )

optimistic-mummy wrote: »

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

I have to admit, I agree with your OH. We decided against taking any TV package, and there is no cinema where we're moving to (so you have to add the cost of petrol to the cinema tickets) so we are probably going to at least try netflix or lovefilm online. They both have a trial period for free, we will see

I wish I were a keen ebayer like you! I'm yet to make the first step into selling on ebay. I'm always worried people will complain and leave negative feedback even if I describe the item properly... I have a few clothes that are now too big that could go on there...

Good luck with the ebaying

optimistic-mummy

Ellie83 wrote: »

I'm so glad I found your thread! I do not have debts but your frugal lifestyle is making me even more eager to save for the baby fund (the "waiting to TTC" crowd is everywhere :rotfl: )



I have to admit, I agree with your OH. We decided against taking any TV package, and there is no cinema where we're moving to (so you have to add the cost of petrol to the cinema tickets) so we are probably going to at least try netflix or lovefilm online. They both have a trial period for free, we will see

I wish I were a keen ebayer like you! I'm yet to make the first step into selling on ebay. I'm always worried people will complain and leave negative feedback even if I describe the item properly... I have a few clothes that are now too big that could go on there...

Good luck with the ebaying

thankyou hun and thanks for reading , I love ebay and its helping me to de-clutter too so its a win win....
ive got a new DFD of next march as i think it will be more realistic and know i will get really down if i focus on the new year and then it isn't cleared by then so march is my aim. may get it cleared before then... but once its all gone we are going to start TTC so i have something to look forward to although i am really worried that when the time comes DP will change his mind, so feeling a bit down today. i want it so much but i know ill be heart broken if DP decides to back down once the debt is cleared. hope you are well xx

Ellie83

optimistic-mummy wrote: »

thankyou hun and thanks for reading , I love ebay and its helping me to de-clutter too so its a win win....
ive got a new DFD of next march as i think it will be more realistic and know i will get really down if i focus on the new year and then it isn't cleared by then so march is my aim. may get it cleared before then... but once its all gone we are going to start TTC so i have something to look forward to although i am really worried that when the time comes DP will change his mind, so feeling a bit down today. i want it so much but i know ill be heart broken if DP decides to back down once the debt is cleared. hope you are well xx

Oh hunny, don't feel down Have you tried talking to your partner? In my experience, men need more time to get used to things that we women would not hesitate to do. And vice versa :rotfl: The more you talk about it (without sounding too obsessed), the more time he'll have to get used to it

So March is your ultimate DFD before TTC. So funny, because this is my ideal weight date before TTC So you're trying to earn £ while I'm trying to lose lbs Terrible pun, I know!

I am going to follow your example and put some stuff on ebay. The worst that can happen is that it doesn't sell! I'll wait for the free insertion weekends and in the meantime, I'll browse the ebay forum to gather some tips.

I am also listing some old games/DVDs with Music MagPie. I will also sell some phone to mazuma. I discovered CeX, which gives a much better price on phones, etc, but apparently, they have a very bad reputation... Have you heard of them?

Good luck to you. I'm subscribing to your thread because I want to follow your journey (and I find the DFW boards extremely educative as people are so resourceful on there! All I have learnt about budgeting, I have learnt from reading the DFW threads!!!!)

xxx