Slimming down the debt and the body in 2013!

mandz1

Hello.

Today i have made a couple of payments to the debt to reduce it slightly again. Have also put a few quid in my saving pot

Kids are staying at their dads saturday night so need to sort out a bag with their bits in tomorrow.


Today is my 9 month aniversary from when i quit smoking. YAY go me

wannabee_in_credit

Well done Mandz - 9 months is fantastic.

mandz1

whoops havent been updating. naughty mandz.

Have been plodding away payments to the debt. lots of payments this month. still on course to get rid of smallest debts by end of march.

Diet not been too good. Had an induction at a gym on friday, just need to sort out what membership i can afford and haul my fat a$$ to the gym.

mandz1

Great news
Im under £7.5k

Ok it would be better if it was 0, but little steps and achievements keep me going. Going to try and pay off my smallest debt by the end of this month. Which works out as about £5.35 a day. So no unexpected spending can be done, need to be strict with myself.

Yesterday i decided to get my son a bus pass, if ive worked it out properly it should be cheaper. He only goes on the bus with me on a saturday to his dads and back again. At the moment i pay £2.50, so with the bus pass it should be £1.96. I know its not a big saving but every little helps.

Looking into which debt to throw extra payments out after i have cleared smallest, and i am thinking it will be my 2nd biggest £2130. I get charge no interest or fees on any of my debts so doesnt really matter which one goes next but it will be nice to try and get a fairly biggish one down.

Mockingjay

Good luck Mandz! I'm doing the same, cutting the calories and spending! I'm using myfitnesspal app on the iPhone so count the calories. It's very useful and motivating....and free

mandz1

Good luck to you too mockingjay.
I too use MFP, although not been logging food recently.


So need to get the slimming down of the body back on track. Gym is going to cost me but think even going once a week will help me snap out of this horrible snacking i do.
So starting Monday, i am going to work out a proper meal plan, eat breakfast every day and exercise

mandz1

£20 in payments made on smallest debt yesterday(£10) and today £10). Now at 130 with 24 days left to clear it

mandz1

£30 paid to smallest debt today.

Waiting for someone to pay for 3 items they've brought on ebay and then i can release all my money from my paypal. 7 items were sold, 4 paid and sent off just waiting on this last woman. grrr

Should definately be on track to clear my smallest debt by end of feb, with only £100 left.

mandz1

Just cancelled my water direct debit. I am over £200 in credit to them and i am still paying them £30 a month. Going to wait till the balance decreases a bit and then reset up the DD. So £30 a month saving made.
Decided to take what i have in my paypal and withdraw it, and when the lady pays for the items she has brought, i will withdraw that at a later date. Some of my paypal money(£15) is from surveys.

Also have about £30 in change bagged up, so will take that to the bank.

mandz1

dun,dun,dun
Another debt bites the dust!!!
Took money to bank, paypal money went in straightaway and i have cleared my smallest debt!!
lots of these needed
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