Determined diva's get outta debt diary!

Determined_diva

It is such a good feeling to actually pay my debts back - a leaf has definitely been turned over!

I have had shingles this week... No doubt caused by family stress :-(
Therefore I've gone back to good old mr hardy's Sauvignon blanc for company which was a £6 spend :-(

Need topick myself up pronto......

Determined_diva

Today i have started thinking about my 2013 budget and what I want to achieve.

These main priorities are:
- pay back all my debt (should start year about £9k)
- start a emergency fund. I have no savings in case of any emergency that should arise.
- still to get to weight target (1 stone to lose)

How am I going to do this?
I wanted to pay the whole debt off by dec 13 from my full time work and save the money for a year from my 2nd job...... However - after calculating in car running costs, big birthdays, anticipated rise in council tax,rent etc, it means that I can only afford today off £6.5k from full time work.

My new strategy is:

- pay back £6.5k from full time work ( means I am £2.5k short on my goal)
- currently saving £200 for petrol each month but as thread above states I now should be spending about £70 a month, this means i should have £1.5 as a final payment
- try and claw as much as i can towards the final £1k deficit doing eBay,car boots, ad hoc teaching jobs, selling my soul etc etc
- pray that I can come under budget several times in my categories to help towards that £1k deficit

ROLL ON 2013 !!!!!

Determined_diva

End oct 2012 debt - £11,586.61
End nov 2012 debt - £10,116.97

Determined_diva

This week focus . aims and priorities:

- get back on the diet!
- food shop tomorrow
- plan meals for the week so I can shop cheaply
- not drink as much... I will save a fortune!
- get friends birthday pressie out the way
- DO THE IRONING!
- finalise that 2013 budget
- keep the focus on why I am doing this... Hard slog : yes! ... Forever: no!
- get more bits onto eBay
- transfer money from PayPal into my account so i can pay a bill without going back into debt just paid off.

Think that's plenty to get on with this week!

Determined_diva

I'm back!

I haven't been around that much lately and also December Christmas parties have officially started! Grrrrrrrr

It's soooo expensive and I've taken my eye off the ball :-(

MUST DO BETTER now dd.... You can do it!

Want to be debt free by next Christmas? Gotta do it!
Want to not worry about money? Gotta do it!
Want financial freedom? Gotta do it!


Come on girl - take a leaf out of the other MSE members! You want to be on that debt free roll of honour don't you????

Determined_diva

I think I've got issues with my OCD on the challenges!

Re: £2 savers club

Had to go for a hospital appointment today and was running late. Didn't have cash for the carpark... Get out to get cash.... Go m&s to break £10 note..... Get 2x £2 coins change and a £5 note.

Heart sinks as I realise I need to use them for the carpark....

Get to hospital and the car park is £3 (no change given) think to myself " I am not losing my 2 coins!"

Drive to another car park that I can pay upon return

Finally get to appointment and get seen and go back to break the £5 note and get to keep my £2 coins :-)

Taking this to the extreme when you would rather be very late for hospital rather than give up your coins lol!!!!!

DDx

Determined_diva

Right!
Tonight I am working at my 2nd job so will be looking forward to potting that cash ( I decided to pot my 2nd income so that I have some savings when I am debt free next December )

I also get paid from my full time job next week!

Priorities for week ahead

- finish all the Christmas present wrapping DONE
- do the ironing
- tidy up DONE
- clean
- pay the bills on friday DONE
- pay some debt DONE
- highlight my % chart on my fridge when I pay off some debt DONE
- hang out washing DONE

Determined_diva

Very pleased of some milestones this month:

- not used pay day loans for a whole month!!!
- paid of 20% of my debt so far since I joined in end October
- now sub £10k (£9,762 to be precise!)

Well done me!!!!

Determined_diva

My tv is BROKEN :-( damn it! Why is it that luck never goes my way! :-(

abundant1972

Congrats on hitting 20% of your debts cleared too!!! I hope you didn't think I was being cheeky when I posted I'd got to 21%... SInce then I had to take 1% out so am back at 20% anyway lol...

Is good to know another person on that challenge and maybe we can encourage each other!!!

Great idea to do a diary too!

:T

Ps. Hope you get your TV fixed... but please - never say luck doesn't go your way... I really believe what we say can shape things... so instead say - you are a money magnet - and you are attracting money enough to pay for a TV repair