Adding to my life - Subtracting the debt!

lilmissmup

Sooooooo I am preggers

Very early days but obviously this means I need to sort out my loan ASAP.

I have called and canceled the Fluid card and transferred both my credit
cards with balances onto the barclay card which means I don't have to worry so much about that until 2016.... can solely focus on paying off the loan!

Sooooo I am going to have to cancel our cineworld unlimited subscription saving £15 a month (can always go with Tesco vouchers), will have to cancel DSDs guide dog sponsorship and that means my only direct debits will be my phone sim at 7.50 a month and my cat insurance which i wont cancel.

Can probably pay another £4k off loan before baby arrives but that means I need to try and make another £4k before baby arrives to clear loan......

Gonna be a mission but I will try and see what I can do!!!!

killerpeaty

Wow, massive congrats!

Yesterday there was a thread in DFW proper about a 1 earner family which had a bit of information about reducing the costs of raising a kiddlywink. It went a bit awry by the second page but an interesting read.

I didn't realise that you could go to the cinema with tesco vouchers, I wish I did though. Oh and good call on the pet insurance, cats are wonderful but are jerks so will deliberately hurt themselves if they sense no insurance. :rotfl: (I love cats and am totally going to become a cat lady later in life).

Congrats again!

lilmissmup

I would love to be a crazy cat lady with 100 cats when I am older

Soooooo I have worked out I can pay off £400 a month of my loan before baby is due.... which means I need to find an extra £4k before baby arrives to clear my car loan.

Which will then only leave my credit card debt which I don't need to worry about clearing until baby is nearly 18 months old.

Soooooo this diary is going to be all about overpaying my loan/making extra cash to overpay the loan before baby arrives!

I did a bingo offer through TCB today which should net me £26.75 as long as it all tracks ok.

Got a few bits I can sell on eBay in New Year but not a lot.

We still need to spend cash on decorating the house too......:eek:

Trying not to stresss about cash, what will be will be hey?

killerpeaty

You sound like you're doing great!

Try not to stress about money, you have a plan. It sounds reasonable. Once you start making those steps and seeing how they are making the difference, you'll feel less stress.

With regards to the decorating, have you made a list of what needs to be done?

I need to decorate my room too, there's no paper on the walls at all, the carpet is older than I am (and is showing it) and my bookcase is falling apart. I've found some lining paper for £2 so I'll paint that cream, I'm looking in charity shops for my new bookcase and I got a rug for £25. I'm hoping to keep the entire endeavour to £50 (disregarding the rug).

mariagti

Helloooooooooooooooooooooo!!!!

OMG! Big congratulations on your pregnancy!!

Im sorry i havent read the first part of your diary yet, i will in a bit just saw the 'im pregnant' part and had to type a quick reply! lol

xxx

debtfreeoneday

Congratulations on being pregnant. What lovely news - when are you due?

wendz86

So happy for you about the news ! Great incentive to sort the debt out too.

I need to sell a few things on ebay too so we can help each other.

lilmissmup

Thanks ladies!

I am not due until August so got a while to clear my debts but do need to get on with it!

Happy new year to you all. Will defo be on MSE a lot more this year whilst clearing debts etc.

I have a couple of bits to eBay but not enough unfortunately!

lilmissmup

Well loan is under £8k now! God knows how I will clear £8k in 8 months but we will give it a shot hey?

Although being preggers is defo playing with being able to make any extra money, if I am not at work I am feeling rough as or asleep!

dawnybabes

Wow missed that bit, congrats xx