The final count down:)

newlifeahead

Happy New year to all dfw's :beer:

I have decided to start a new diary for the final part of my debt busting journey.
This has been a very long process which started 8 years ago. The reality back then hit me very hard, I was 9 months
pregnant, newly single and £59,000 in debt. I never ever thought that I would be able to get my life back on track.

Debts as of 1/1/13
Barclaycard Visa £3993.69
Egg card £4961.59
Total £8955.28

My aim is to clear this by December 2013 - that will be 12 paydays. I have to pull out all the stops if I want to achieve this date and I am willing to do whatever it takes:D

newlifeahead

There are only 3 major things I want to achieve this year.
1) Clear the debt
2) Lose 2 stones
3) Declutter the house.

Every year these are always the things I want to change but I don't get very far and other things just get in the way.
I am so embarrassed to say that I joined slimming world 9 weeks ago and I am 2lbs heavier than when I first started :eek: I actually pay £4.95 a week to put weight on :rotfl:£44.55 down the drain.
I have decided that I have to find another and cheaper way to get rid of this weight. So I will do this slowly and over 12 months

Decluttering - I have been trying to do this forever so like the debt busting and losing weight I will do this over 12 months. I have 6 rooms to declutter 2 months per a room.

WantToBeSE

Hi newlifeahead- you could make the decluttering work for you, by selling stuff on ebay

Well done, you've cleared loads in 8 years

newlifeahead

This page is for my monthly goals, so I have somewhere to come back to easily. I will keep these very simply for my own sake

January
Pay Barlaycard £300
Lose 2lbs
Declutter office
Walk and do gentle exercise everyday 1/31
No buying from any shopping channel or Groupon.
Read one of the many unread books I have stored.
Bed by 10pm on a school night.

newlifeahead

WantToBeSE wrote: »

Hi newlifeahead- you could make the decluttering work for you, by selling stuff on ebay

Well done, you've cleared loads in 8 years

Hi WantToBeSE - Thanks . Yes, I really need to do this. I haven't really done much ebaying to clear the debt, so I will need to start this as soon as possible

Elena_Handcart

Hello NewLifeAhead,

I just wanted to wish you the very best of luck. My debt amount was very similar to yours, and I too am hoping to finally shift it in 2013.

Good luck with your January goals - I wanted to have a 'school night' rule too - but as you can see - I am breaking that rule already:mad:

Igamogam

Good luck

newlifeahead

Elena_Handcart wrote: »

Hello NewLifeAhead,

I just wanted to wish you the very best of luck. My debt amount was very similar to yours, and I too am hoping to finally shift it in 2013.

Good luck with your January goals - I wanted to have a 'school night' rule too - but as you can see - I am breaking that rule already:mad:

Thanks Elena_Handcart. Good luck to you too, I hope you get to clear it all this year. I am sure it will be a great feeling when we do.:D

The "be in bed by 10pm" is not working at the moment as the kids are off school and are staying up late. As from this Sunday I am hoping to stick to it. (fingers crossed)

newlifeahead

Igamogam wrote: »

Good luck

Hi Igamogam and many thanks :money:

newlifeahead

So far this morning

• I have been for a walk and done my exercises:j and
• I have listed the contents of my fridge/freezer and cupboards.
• Online banking checked
• Spreadsheets updated

Still need to

• Call Apple and cancel ds1 cloud storage
• Call QVC re returned item
• Post office visit
• Buy ds1 and ds2 new school shoes :mad:
• Need to get a birthday gift for cousin.
• Book ds2 birthday party for 26th Jan.
• Fill up with petrol.
• May need a few items from Tesco but need to make a list first.

I am trying to fit in all my spends today but also trying to not spend too much (I don't even think that can work :rotfl:)

welshdreamer71

Wow you've achieved amazing things already good luck for the last shove and loving the bed by 10.00 on a school night I think i'm going to do that too I'm fed up of being shattered in work for the sake of watching crap on the tele anyway good luck we've got a school shoe run too !!