Advent-ures in the MSE Forum... Our Advent calendar is live, helping you discover a new corner of the community each day. Visit the homepage and scroll down

Clearing debts, keeping well and sorting myself out...

in Debt free diaries
242 replies 11.4K views
EmzillaEmzilla Forumite
3.8K Posts
Part of the Furniture 1,000 Posts Combo Breaker
Forumite
Thanks for clicking through to my new diary. I'm Emz, 31 years old, self-employed and live with my OH.

Money-wise, my debts currently stand at just over £42k. I really need to start making a dent in this in 2013. For the rest of 2012, I need to concentrate on Christmas, as I've hardly got anything and am in a slight panic about it now.

Health-wise, I have cystic fibrosis. It's not too bad - I'm not in and out of hospital loads anyway. As long as I do all my treatments and take my medication, I stay relatively well. I also need to put on some weight (around half a stone).

I know it's a bit early for goals and resolutions, but there are some things I would like to achieve in 2013:
  • Finally get my teeth sorted - I know this will cost money and will delay repaying my debts slightly, but it would give me so much confidence to have nice looking teeth. I'm not talking about a perfect Hollywood smile, just something that I can look in the mirror and be happy with. I've got an appointment booked for early January to have an initial consultation and get an idea of what needs doing and how much it will cost.
  • Get my debt to sub £30k. Challenging, but I think it can be done and would be a great start to 2014.
  • Catch up with my bills, keep on top of them once caught up and create a budget that I can stick to.
  • Start saving for Christmas 2013 so I'm not in such a mess next year. My mum saves money for some of her friends and family in a savings account, so I've decided that I'll give her any wins from the free game on JPJ and any money I earn from cash surveys.
  • Create a home office. I've got a desk and a broken chair stuck in the corner of our bedroom at the moment. It's very uninspiring and I don't tend to use them much (especially the broken chair!!) OH and I have agreed that we're going to get rid of our 'dining room' (part of the living room, which is separate from the main part) so I can create a home office. I've asked for some Argos vouchers for Christmas to help with that.
  • Make it a habit to post on here everyday, even if it's just to say hello and nothing is happening today.

Think that's it for now. Thanks for reading my long waffling post :)

Emz xx
«13456725

Replies

  • beanieloubeanielou Forumite
    82.1K Posts
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    Forumite
    Happy shiney new diary :j
    Take care xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    MFW. Finally mortgage free February 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
  • beanieloubeanielou Forumite
    82.1K Posts
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    Forumite
    I think the most important thing that you can do in 2013 is have a realistic budget & go from there really.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    MFW. Finally mortgage free February 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
  • EmzillaEmzilla Forumite
    3.8K Posts
    Part of the Furniture 1,000 Posts Combo Breaker
    Forumite
    beanielou wrote: »
    I think the most important thing that you can do in 2013 is have a realistic budget & go from there really.

    Hi Lou :)

    Definitely a priority. I need to get my bills up to date and sort the budget out within the first couple of months.

    Emz xx
  • MuffinTopsMuffinTops Forumite
    2.5K Posts
    Tenth Anniversary 1,000 Posts Name Dropper Photogenic
    Forumite
    Hello Emz,
    I do love a shiny new diary. Nice - subscribed.

    Your list looks very effective. I hope you get sorted on Christmas things so that you can start 2013 feeling really positive and on track.

    x
  • edited 24 November 2012 at 8:07PM
    StressedStephStressedSteph Forumite
    2.8K Posts
    Part of the Furniture Combo Breaker
    Forumite
    edited 24 November 2012 at 8:07PM
    Good luck Emz, I have just started my diary too and have a frugal 2013 to look forward to :eek:.

    Keep it going xxx
  • gothrockchic1gothrockchic1 Forumite
    2K Posts
    Part of the Furniture 1,000 Posts Combo Breaker Photogenic
    Forumite
    Happy Shiny New Diary :j:j:j

    I saved all of my Amazon vouchers for Xmas and then got a bonus and ended up getting myself some Doc Martens :D

    Still have some left for Xmas tho :)
  • EmzillaEmzilla Forumite
    3.8K Posts
    Part of the Furniture 1,000 Posts Combo Breaker
    Forumite
    MuffinTops wrote: »
    Hello Emz,
    I do love a shiny new diary. Nice - subscribed.

    Your list looks very effective. I hope you get sorted on Christmas things so that you can start 2013 feeling really positive and on track.

    x

    Hi MT

    Thanks, I hope I can get Christmas sorted too :xmassmile

    Emz xx
  • EmzillaEmzilla Forumite
    3.8K Posts
    Part of the Furniture 1,000 Posts Combo Breaker
    Forumite
    Good luck Emz, I have just starte my diary too and have a frugal 2013 to look forward to :eek:.

    Keep it going xxx

    Hi Steph :)

    I'll pop over to your diary in a bit to say hello.

    Emz xx
  • EmzillaEmzilla Forumite
    3.8K Posts
    Part of the Furniture 1,000 Posts Combo Breaker
    Forumite
    Happy Shiny New Diary :j:j:j

    I saved all of my Amazon vouchers for Xmas and then got a bonus and ended up getting myself some Doc Martens :D

    Still have some left for Xmas tho :)

    Hi GRC :)

    Well done on getting organised for Christmas. Wish I had done the same.

    Emz xx
  • EmzillaEmzilla Forumite
    3.8K Posts
    Part of the Furniture 1,000 Posts Combo Breaker
    Forumite
    Evening everyone :)

    We went to OH's parents today in Somerset. It was only a day trip, so I didn't have to stay over. Got a free meal out of it too.

    On the Christmas front, I'm going all out to get it sorted in the next fortnight. OH is at his mate's tonight, so I'm blitzing the surveys for Amazon vouchers.

    I've also received a cheque for £32 today so can spend that on some presents.

    Emz xx
This discussion has been closed.
Latest MSE News and Guides

Is your local HSBC closing?

114 branches to shut in 2023

MSE News

Advent Competitions

The countdown is on

MSE Forum

Baileys £10 for 1L at Tesco

When you scan your Clubcard

MSE Deals