The kick up the a&£e diary for debt busting

tattycath

Hi anybody who may read this. I've been inspired by so many people on mse since I joined and I've ummed and aahed about starting a diary for a while now. I"m brilliant at deciding to set myself financial challenges...problem is when push comes to shove I come up with all the excuses under the sun as reason for why I've constantly fail miserably. So I decided to start a diary to give me the kick up the backside I need.If I log everything down I"ll have to do it right? That's the thinking anyway.
I'd like to achieve certain things but often stall due to lack of motivation. The main things I want to achieve this year are:
Pay off holiday-£400
Pay £3,000 off the mortgage
Pay a catalogue debt-£600
Save £3,000
As you can see there are a lot of things I want to achieve.
Now I have written them down I need to get on and implement my plans.
So far this year I have paid an extra £92 off mortgage in January and so far this month £53. So still got a long way to go there.
Will make a payment on catalogue next week and the same with the holiday.
Wish me luck and if anyone has any ideas or hints and tips on how I can achieve my aim please shout up.
If you got this far- thanks for reading.

Update18th May 2015
Need to set some up to date targets.
Even though we are almost half way through the year already, here are some targets I would like to achieve this year:
Decorate 3 rooms
start sorting garden out
save 3K
grow the business to achieve higher income
Reduce the mortgage by 3K
Reorganise my limited work space so it's more practical & things are easier to find.
Right, best get to work.

tattycath

Just found a sweet tube full of change in cupboard. Will count it up and report back...£18.70 in loose change. Good find. I'm sure there'll be more loose change kicking about around the house.
Not been food shopping for a while so tonight I used up some sausage meat from freezer and an onion, I made sausage meatballs and served with potatoes and carrots with gravy out of freezer.

tattycath

Aims and objectives 2013

Pay off holiday £400
Pay £3,000 off mortgage
Pay catalogue off £600
Save £3,000I

may add to it as and when objectives are achieved.

tattycath

Just totted up I have £7,000 to find... i don"t have anything like that as disposable income-not that I've checked should keep a spending diary. I need to think of ways to stretch my cash or raise some more...

jwil

Good luck

tattycath

Thank you jwil.

Been rummaging through old handbags etc and now I have another £12.00 making a grand total ot £30.70 in change so far.

tattycath

DH went to Icel@nd for me today and spent £38.15.He bought:
lamb shanks £5.50
4kg potatoes £3.00
Sliced sausage £1.00
Grill steaks £2.00
240 Tea bags Yorkshire £4.00
Lamb chops £4.00
56 chicken dippers £3.00
8 baking potatoes £2.00
Cucumber £1.00
Iceberg lettuce £1.00
Smoked bacon economy x 2 £2.00
Bacon grill £1.50
8 pints milk £1.90
1kg cheddar £5.00
A dozen eggs £1.25


Just need to work out some meals now...

tattycath

Been sorting through some stuff today... I need to seriously start ebaying. .. Open to any advice and suggestions. My house is literally bursting at the seams with items no longer required. Would cs them but to be honest the money would be very handy to pay some bills.

tattycath

Checked bank account this morning and managed to pay £8.00 off catalogue and another £12.00 off mortgage.
Baby steps ...

tattycath

Just checked bank account-again, Paid £14.00 off mortgage.
Expecting money in account tomorrow....so hopefully I can pay some more bills and/or start savings.
Just trying to sort out some junk-if it's organised it won't look so bad until I decide if i can bear to / how to dispose of it.

claire0788

Hey, just wanted to pop by and say you sound like you are doing well.

Just thinking though, would the extra payments maybe be better spent on other debt than your mortgage at the moment ?

Obviously I don't know your catalogue debt % for interest or even it is has any but might be a thought ?