want to be Debt free ASAP

optimistic-mummy

can some one please give me a gentle kick up the backside, went food shopping today and due to mis calculations and not enough money in my purse ended up putting it on the Credit card. i have cut the credit card up so no more spending on it feel better now ive done that. another step in the right direction

but my budget for this week has gone out the window, going to pay off as much as i can this week, and start a fresh monday xxx

EJG1982

OH DEAR O'MUMMY!!!!! :mad:

consider this your big fat KICK!!! Easily done but come on now you know you can do better...hmmm,.. naughty..

brill job on cutting the card though, lesson learnt. :T

are you not able to do online shopping? i pref tesco and its kept me within my budget so well. cant even moan at £2.50-5 delivery as you'll easily spend this not thinking if your in the shop. When you see your total adding up it really does make you think to take it a brand down or own brand. Even dropping of the sneaky treats :rotfl:

If you cant online shop, then make yourself wander round with a list, stick to it and add up on your phone/calculator as you go. Spend that little extra time looking for cheaper alternatives.

Your doing good elsewhere so put some of this positive thinking into YOUR BUDGET

it can be really :mad: at times with setbacks but use the to your advantage. I have faith in you and soon you'll be telling us your within budget :A

x

optimistic-mummy

£25.75p paid off the credit card x

after payments i have made so far this week my new breakdown is as follows

18th sept
Credit Card £1510.18
Littlewoods £231.08
Parents £107
Total £1848.26p

sorry i keep posting breakdowns but it makes it easier for me and helps keep me focused.

need to do this week:
pay in cheque
[STRIKE]finish sorting shed[/STRIKE]
downgrade mobiles
[STRIKE]food shop[/STRIKE]
[STRIKE]do a budget for the week[/STRIKE]
continue with selling stuff
pay at least £60 off debts (£130.20p since 17/09/12)
sort out under the stairs
box up Xmas presents already brought
make £50 by 23/09/12 (£6.90 made since 17/09/12)
[STRIKE]post parcel Monday[/STRIKE]

beanielou

It's your diary so you can post as many updates as you wish

optimistic-mummy

made another payment to the credit card. it all helps. xxx

optimistic-mummy

another small payment to the credit card made. hope everyone is well. hugs to those that need/want one xxx

have just done my budget and im aiming to pay off £150 next week. x
budget for next week:
Food £100
Petrol £20
Elec £30
Gas £20
Liams clothes £20
Tv licence £12
Water £12
Family member £20
Other £6
Curtains and lightshade off fb £10
Total £250.00

optimistic-mummy

really struggling today
spoke to DP last night and he said as long as the debt is clear we can try for a little brother or sister for our son, but im struggling to see the light at the end of the tunnel. although my debt free date in my signature is 01/03/12 ideally i would love to be debt free by the end of January if not before,
today im going to:
have a clear out
clean .... doesn't need doing but it will keep me busy
eBay list !!!!
clean pushchair and put up for sale
put stroller up for sale

better get cracking ... see you all later !! hopefully will feel better then x

beanielou

Its only 6 months.
Keep going~thats a great motivator

optimistic-mummy

beanielou wrote: »

Its only 6 months.
Keep going~thats a great motivator

didnt realise march is only 6 months away.... feel abit better now thanks hun xxx :T

optimistic-mummy

made 2 payments to the credit card so far this week. nice to see my balances slowly decreasing, i will be debt free ASAP!!!!

i have been really temped this week to buy stuff that i can't really afford... but have resisted temptation and not brought anything i wanted to :T although i did treat my self to a crossant this morning 75p but i had the change so its all good and 75p is better than £7.50 i needed abit of a pic up xxx catch up soon. hope everyone is well xxx hugs to those that need want one xx