Pay ALL your debt off by Xmas 2013

amr547

SpagBol wrote: »

I am the same, as Kerry says I am better when I use cash or debit card to when I really need to budget I go to Lidl or Aldi. Have you also tried the downshift challenge where you go down one brand level i.e. if you usually buy a brand (heinz etc) then go to shop own brand, if you usually go for that then go shop budget brand. They are all really good!

we normally buy whatever is on offer :rotfl: for example, the brand packs of pasta were on offer for 50p so we bought a few packs (and the value range is like 35p).... i think that's where we go wrong! we bulk stock and perhaps we shouldn't really.

farmfoods is our friend for frozen stuff! i think its mostly our packed lunches that set us back, biscuits, crisps, sandwich meat.... ive strted taking tins of soup or beans to work ha.

the only thing i refuse to downgrade on is bread and meat! :eek: nothing worse than stodgy, hard bread or gristly meat.

amr547

kerri_dfw wrote: »

Thank you I shall do the metadata today, then drop you a PM if that is ok?

Yeah, sure! :T

amr547

doing some sums ...... we're not too bad, should have quite a bit of cash left even after buying the car. but it will be a tight month next month.......might pay off the catalogue instead of the sofas, then at least ive got one out of the way (balance is half of that of the sofas!)

ooooh and its so good seeing only £225 left in my loan account! its actually slightly more because of interest, about £250, but it looks so low

32b3in2013

kerri_dfw wrote: »

We've found we're really good when we work in cash, the moment we switch to card we're terrible. So next month it's back to cash again, thank goodness the OH's dissertation is almost finished and we can really knuckle down again.

I'm going to work on the SEO today, I've googled the site and it is coming up but the descriptions are bad so that means I need to work on the metadata. When I've done that can I ask you all to google me?

Thank you I shall do the metadata today, then drop you a PM if that is ok?

Should be a SFD today, hopefully! Going to fleabay the rest of the box that's in the living room...although how does one send inline skates in the post if they sell?

In a box I think.Or you could skate them to their new owner :rotfl:

I have 2 pairs of inline and one pair of proper roller skates that I forgot I had. Thanks for the tip!!

I stand ready to do some googling when appropriate

triple_choc_chip

I've just reconciled the last card statement to add back interest - I'm going to target this card from next month because it's my Tesco one and I like to use it to earn points but I previously did a balance transfer and now when I use it I always pay interest - I've learnt from that now.

So final scores on the doors is: No.74: 1935 / 7860
It's been a bumper month and I've been doing ooodles of overtime so next month should be just as good - fingers x'd

SpagBol

amr547 wrote: »

we normally buy whatever is on offer :rotfl: for example, the brand packs of pasta were on offer for 50p so we bought a few packs (and the value range is like 35p).... i think that's where we go wrong! we bulk stock and perhaps we shouldn't really.

farmfoods is our friend for frozen stuff! i think its mostly our packed lunches that set us back, biscuits, crisps, sandwich meat.... ive strted taking tins of soup or beans to work ha.

the only thing i refuse to downgrade on is bread and meat! :eek: nothing worse than stodgy, hard bread or gristly meat.

I agree with bread and meat. Pitta breads and englsh muffins are fab however in the economy range (from Mr S and Mr M) and we just eat less meat. We also cook extra (bulk out with veg, lentils etc.) and take for our lunches. We often do a huge batch of chickpea curry or 5 bean chilli from a dried pulses bag and that makes LOADS of lunch and dinner portions for a few pounds.

triple_choc_chip wrote: »

I've just reconciled the last card statement to add back interest - I'm going to target this card from next month because it's my Tesco one and I like to use it to earn points but I previously did a balance transfer and now when I use it I always pay interest - I've learnt from that now.

So final scores on the doors is: No.74: 1935 / 7860
It's been a bumper month and I've been doing ooodles of overtime so next month should be just as good - fingers x'd

Nearly 25% :T:T

amr547

SpagBol wrote: »

I agree with bread and meat. Pitta breads and englsh muffins are fab however in the economy range (from Mr S and Mr M) and we just eat less meat. We also cook extra (bulk out with veg, lentils etc.) and take for our lunches. We often do a huge batch of chickpea curry or 5 bean chilli from a dried pulses bag and that makes LOADS of lunch and dinner portions for a few pounds.



Nearly 25% :T:T

yeah, pittas and muffins we happily go for the value range! :T can't argue with 20p!

unfortunately my OH doesn't like beans and pulses....... i quite happily eat them though

affordmylife

hello everyone. hope you are all ok. im still plugging away at the debt. i get paid on tuesday so will pay another chunk off. sadly not as much as id like too. why is normal life so expensive.

anyhow happy sunday everyone and onwards and upwards x

SpagBol

affordmylife wrote: »

hello everyone. hope you are all ok. im still plugging away at the debt. i get paid on tuesday so will pay another chunk off. sadly not as much as id like too. why is normal life so expensive.

anyhow happy sunday everyone and onwards and upwards x

I totally agree, I'd be DF by now with no bills to pay :rotfl::rotfl:

amr547

have to say, i was surprised at much bills were when we moved out:rotfl: our expenditure is around £1300 not including debt repayments.......