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

tattycath

Hi. Thanks Claire.
My catalogue is interest free as long as it's paid before December 2013-it will be long gone by then.
No other debts apart from holiday and mortgage
We owe CTC overpayment-also interest free but needs paying off. I am on a monthly repayment plan for that but plan to concentrate on that after paying off cat and holiday.
At the moment I'm on a mission to pay as much off mortgage as possible while interest rates are so low. We owe sub 80K but I would like it to be sub 50K by end of 2015-preferably even lower.
It's a big challenge really as it means over paying over £3000 extra a year for next 3 years.

claire0788

That's great that it is interest free at the moment.

That is quite a sum but you seem focused and have a plan you want to follow

tattycath

I've had one of those days today.
I got up alot later than I wanted to.
Then I couldn't get motivated
Once i got motivated everything seemed to take longer to do than it should.
Tonight a task I did took over an hour and a half and 3 computers-I am stressed and my head hurts.
I've decided to uninstall loads of !!!! from my lap top.
My picture programme is playing up-keeps saying link snapped. It's been alot worse since i downloaded swagbucks toolbar-so I'm unistalling it.

The only time success comes before work is in the dictionary!

So I've got to knuckle down and work as hard as I can in order to achieve my objectives.
Time for bed now. night peeps. xx

tattycath

Good morning. Just paid £100 off mortgage and £60 off the catalogue. Need to find holiday documents so I can pay something of that too. Off to update signature.

tattycath

Got to try and get some stuff ready to either ebay or car boot. Need to try and make some money and get rid of some junk asap.
Note to self-must check when free listing is on ebay...

Sessie

Hi, thought I'd have a nosey in your diary! I'm very quiet, I'll just sit in the corner and chew on my bourbons, I'll be no bother!

You seem really determined and that's half the battle IMO.

I don't know if you've got books or CDs you no longer need but I used Zapper for mine and did all right. You might only get 50p for some but if you've got a lot (I had TONS!) it all adds up! Hoping to get some time to sort a load more books out for them in the near future.

Meal planning - check the Old Style Board for topics like "What are you making for dinner tonight?" and other specific meal plan topics - (and, if you can, buying the ingredients from local shops/markets rather than the supermarket where you get distracted by lots of things other than what you went for!) is a good moneysaver too. I've just spent about £70 on ingredients that will make me (2 adults and twin 4.5 year olds) meals for at least a month. Also, I feel good that I've given my cash to local businesses rather than the big supermarkets.

Keep on keepin' on.. you WILL get there and imagine how great that's going to feel!

tattycath

Hi Sessie.
Thanks for stopping by.
I must take a look at the boards.
Part of my plan is to go to the butchers instead of getting meat from supermarkets-at one of our local butchers you can get 3 trays of meat for a tenner. So i'm going to go and do that at some point.
I am also thinking about buying my laundry detergent online-depending on price.
At the moment I think we spend about £350 a month on food (that does include cleaning stuff too.) for 5 of us! :eek: So i want to try and cut that down to about £200. We need to cut out some takeaways too. I did buy the takeaway secret book but i haven't done anything with it yet and I've had it for a while now.:o
Thanks for the tip re. zapper. :beer: I'll have a look.

tattycath

Ooh-exciting news. I've just found out it's free listing on ebay this weekend. Just got to try and remember my log in details and dust the cobwebs off my account so I can start selling some stuff.

tattycath

DH took a bag of old clothes to recycling today.-so that's some stuff out of the way.

tattycath

£55 paid off holiday.