Here I am in debt again. 2nd time lucky

rising_from_the_ashes

StressedSteph wrote: »

The small holding was always our dream. We have always wanted to eat fresh home reared food and could never afford to buy organic free range veg & meat.

2011/2012 year we raised pigs, lambs, chickens (eggs & meat) geese & ducks.
2013 we hope to get the polytunnel and veg plot sorted.

Unfortunately we also have 1 extension half finished and another one yet to be built on the house.

Well, let's see - you and hubby are still youngsters in the big scheme of things .... as long as the house is habitable, then you've years and years to build extensions etc - when money allows.

It sounds wonderful Steph - I'd love something similar but being single now, it's never going to happen on my wages unfortunately.

But, I'm sure it's not easy - raising aniimals, growing veg takes a lot of hard work .... who does this?

If it's mainly you, then that's work - yes, you might not get a physical wage for it but you're providing for your family just as much as hubby is!:T

Try to think of the debt as short term .... once it's cleared (I can't remember how long you think it's going to take - 2 years?) then things will be a huge amount easier.

You'll have that £700 to split between things - maybe a bit to a proper family entertainment budget (something you can all do together!), a bit to be saved for the extension etc etc ..... short term pain, long term gain

StressedSteph

Thanks Rising.

I don't think you realise how much help you have been. Without my mum about, I end up bottling alot of my frustrations, so it has been like therapy having this diary and getting yours and everyone else advice and help.

It really has kept me sane. I have probably driven you lot insane in the process but.....:o

I guess I have to look at the full picture....If I work really hard this year I can more than half the debt amount and then it will be easy to kill off the rest by snowballing.

Just got to keep my head down and keep going

Thanks again everyone, I really mean it xxx

hp48910

Hi stressedsteph, I'm back on here for another go at debt busting after an 8 month break. I wasn't debt busting during that time, just away from the site!!!

Anyway new year, new start. I've subscribed to your thread and will keep you company on your journey! Good luck
H :O)

StressedSteph

hp48910 wrote: »

Hi stressedsteph, I'm back on here for another go at debt busting after an 8 month break. I wasn't debt busting during that time, just away from the site!!!

Anyway new year, new start. I've subscribed to your thread and will keep you company on your journey! Good luck
H :O)

thanks Hp, really appreciate the company.

Good luck with your new journey. Let me know if you start a diary and I will look you up xxx

hp48910

I might just continue the one I started last year, I did consider the clean slate but would like to be reminded timescale wise of how long I have been slogging! If you search my profile you can see the thread I started :O)

hp48910

We have a few things in common too: A similar level of debt, similar incomes and we also purchased a larger property with more land and have the chickens, ducks and veg to manage. When you get the house of your dreams, it's hard not to want to get straight on with it. Prob is we can't even draw up plans for extensions until we have paid off the cards!

StressedSteph

hp48910 wrote: »

We have a few things in common too: A similar level of debt, similar incomes and we also purchased a larger property with more land and have the chickens, ducks and veg to manage. When you get the house of your dreams, it's hard not to want to get straight on with it. Prob is we can't even draw up plans for extensions until we have paid off the cards!

Wow thats fab Hp. I will definately search out your diary.

Where in the UK are you if you don't mind me asking? I have the same problem, I want it all to be up and running and finished, but it takes years. I DO really need to get rid of the debt though and then we will be more in control.

Look forward to getting you know you more hun.
Off to search for your diary xx

StressedSteph

Aaah just seen East Anglia. Abit far from me

hp48910

Yes, we're miles away from each other! I don't know how you cope with all the acres, our garden is 1/3 acre but it's massive compared to what we had before. The house had original sash windows when we moved in, you know, with the really brittle glass...Gave a nice breeze even when closed! We replaced them last year but there is so much to do to make it how we want! The couple before us bought it and completely did it up but on a limited budget. At least it saved us the expense of rewiring the old bakelite fittings etc etc...but they have rushed things and not finished them properly.

Even more reason to whack this debt off asap :O)

StressedSteph

Afternoon Diary,

Well all my plans for cleaning have gone out of the window today. My Nephew turned up shortly after I got back from taking the children to school and he has only just left :eek:. I ended up having to make him sausage sandwiches which we ear-marked for dinner tomorrow night:(. I finally got him out by saying I had to get on with the cleaning before the children got home from school. .

Anyway. Had a quick bite of lunch and thought I would check in here and balance my spreadsheet for the day, before I get on with scrubbing toilets.

Not much to report. Paid off a couple of hubbys business suppliers yesterday (£133 + £287). I had a bad habit of not paying them out of his wages cheque and then having to find the money at the end of the month. Next time he buys materials I will make sure I put that amount aside so I can pay their bill.
I had'nt included those last two business bills in my debt busting calculation so glad to get them gone, then the next payment I make I will be able to adjust my signature.

I should be able to pay Littlewoods £300 and Next £200 next week fingers crossed. Its enough to keep Next happy but not sure about Littlewoods. Hopefully the frequent large payments will be enough to stop them wanting to take further action. It will all be cleared in four months.

Hope you are all having a good day
Speak soon
Steph