want to be Debt free ASAP

optimistic-mummy

Elle83 ..that's cool. so we could be both starting to TTC together if all goes well. i've used CEX before many times and i've never had a problem they are quite picky tho and thoroughly check anything you take in. hope that helps xx
i've also used cash converters there quiet good. i've never used mazuma mobile or music magpie myself but i know people that have and they haven't had a problem xx

optimistic-mummy

need to do this week:
pay in cheque
finish sorting shed
downgrade mobiles
food shop
do a budget for the week
continue with selling stuff
pay at least £60 off debts (
sort out under the stairs
box up Xmas presents already brought
make £50 by 23/09/12
post parcel Monday

beanielou

TTC is ???

optimistic-mummy

TTC = trying to conceive

optimistic-mummy

made a payment of £20 to parents today. x

optimistic-mummy

have updated my signature as debts were more than i originally thought and had statements through so they are the exact figures.


September 17th update (exact figures as on latest statements)
Credit card £1564.09p/£8.45 paid
Littlewoods £318.84p £204 if paid off before BNPL interest is slapped on
Parents £127.00p/£20 paid
Total£1957.49p/£28.45p PAID
today i have paid £8.45 off the credit card and gave parents £20. each time my statement comes through i will do a monthly update to keep me on track. my aim by 17/10/12 is to have the credit card down to £1200 and littlewoods down to £300 so i need to pay off a total of £331 this month at least.

EJG1982

evenin :j

dont be so down over your new figures, change the frown to a positive hard hitting im gonna sort it once and for all face (a smile will do tho!):p

be more determined and GET YOUR BUDGET DONE!! wasnt that a weekend task??:think:

well done on your payments so far though, chipping them of is what matters..

I got a lil bit on ebay this week and to my suprise couple bids already.. not expecting massive amounts but its clears what i would have previously taken to tip or charity shops..

good idea with the sig, thats what im doing, i want to see my progress, jsut got to wait few more days for them to update

are you setting realistic goals, say your £331, is this including ebay sales etc and making cut backs elsewhere or is it a figure you know you can allocate.. when i set unachievable goals on payments im on a downer if i dont hit it & loose my momentum in staying positive..

whats your task for tomoz then x

optimistic-mummy

hi hun thanks for your post. my £311 goal is without any extra income. and i have placed it slightly lower as i need to do a food shop soon. so i know (hope) i can hit this target. maybe more we will see. but didn't want to put an un-realistic amount and then feel s*it when i don't meet the target for the month. i've worked out that littlewoods is around £100 lower than the total above as long as i pay off the BNPL before the interest gets slapped on which is next may for one product and next august for 2 other products.
i love eBay ... and as you said its great for making money on things that would have other wise been given away or gone to the skip... good luck with your eBay sales.
just doing budget now for the week, starting tomorrow.
tasks for tomorrow:
[STRIKE]post parcel[/STRIKE]
list more stuff for sale
downgrade mobiles - DP needs to do this as it is in his name
can't think of anything else at the moment
need to do this week:
pay in cheque
[STRIKE]finish sorting shed[/STRIKE]
[STRIKE]food shop
[/STRIKE][STRIKE]do a budget for the week[/STRIKE]
pay at least £60 off debts
sort out under the stairs
box up Xmas presents already brought
make £50 by 23/09/12**£6.90 made so far

my budget for this week is £50 (£15 of this will be spent on a xmas present im collecting weds) starting today (18th) will add to sig now so i can keep track. then im going to finish my cuppa and snuggle up in bed... night night all. hugs to those that need/want one xxx and thank you for all of your support xx

EJG1982

Moooorrrrnninng!!!

Thought id check in your way first and see what todays plans are...make sure that parcel gets posted, keep the ebayers happy LOL!

Thats great its a realistic amount you set, just keep it mind and look forward to monthly statements. I can access mine online but it so annoying have 4/5 all at different times!! By the 24th i should have all mine in and see a fair chunk off..6 more days!!

optimistic-mummy

made £1.90 after postage for eBay sale
made £5 on gumtree
so thats £6.90 made towards my £50 target by the 23rd