What is x2 + y3? .... Who cares? I just wanna be debt free!

beanielou

Certainly worth considering.

tibawo

Just realised how long it is since I updated this but consequently how close I am to finishing the five years! As mentioned earlier by the end of 2013 I should only have the nursery fees to pay off and am still deciding whether to have another semi tough year and get it done or increase payment slightly as they don't charge interest but would be nice to remove chains from my neck IYSWIM.

I did not go for the job interview in the end as the term dates would have made child care impossible. However I have a few bits in the pipeline so will see how these plan out.

Must admit was money tight yesterday as dd1 broke tooth and had to go to a place where they charge for parking. Luckily from being on here I plan my budget now and had enough petrol in the car as I try to put a £1 in extra in each week in case of emergencies (not much but all i can afford at the mo) and with my frozen veg and stock cupboard have managed to keep to the budget.

Tidying is on the agenda this weekend as with going back to school have not quite got the routine going again!

tibawo

Well, yesterday went ok.

I had two vouchers for mr t so let girls get on item from sale and a treat each. So nice not to have to say no all the time and the bonus was the baby bel they wanted was on promotion. So too where most of my staple things so strangely enough I only just spent the fifty for the voucher to kick in with 12 off and a few others from latest points post out.

I wanted to treat the girls as both passed their dance exams with flying colours and the look on their faces makes me feel I might the right decision in including their clubs in my budget and cutting bits elsewhere.

Starting to plan Xmas so I can see what bits I need to look for when on special offer!

beanielou

I take it your littlies are no longer at the nursery you owe the fees to?

tibawo

No, they are now at school, I was in arrears when I left and mutually agreed a weekly amount that I pay by standing order until done. They were really nice about it and I have since found out that it is something they have done with other people. I'm just worried if I increase amount too much that I might over stretch myself. Am toying with getting one of those sealed pots and putting bits in there and giving a lump sum. Then if I have over scratched I can get at it but not easily IYSWIM.

beanielou

Right ok,got you.
How long do you still have to pay do you think?

tibawo

Sorry for slow response... Been hectic this end.

It will be another two years before thru as I pay a tenner a week as at the time this was all I could afford. I could easily double this but when I've paid was thinking of paying even more.

I've also found a cheaper car insurance and Internet phone deal which I'm looking at the fine detail for as it would save another £30 a month.

Loads to do this week end as well so going to have to have a glass whilst I sift thru it all!

tibawo

been a long time ...

Well, over the coming month I have a few stressful moments to work thru but I can't face talking about them just yet as I feel so embarrassed, ashamed and a complete failure.

However, as the new approaches I am determined to focus on improving my job prospects, being completely debt free,doing them jobs that I always mean to and to lose some weight.

I've been a long time between posting on my diary and was going to start a new one but must admit could do with some encouragement to keep me in a positive place.

I have now got my completion certificate for my IVA, it's still in an envelope in the pending drawer, ready for when I have the energy to do the next steps.

in the midst of switching phone and internet but never quite finished that too! now maybe you see what I mean about unfinished jobs?

So today, I have started to transfer over all my bits from my old phone to my new one. I say new but had it a while!! This also includes my diary.

I've restarted some daily clicks: swag, gift and rewardtv. Still doing shop and scan and niel. could do with some others but don't want to end up being all night on the computer.

going to blitz the house now. might lift my spirits!

beanielou

Keep plodding

tibawo

Back again...

Been busy resurrecting old daily click accounts to see if still active and what the balance are. Found my slice the pie which I'd forgotten about so can do that on tablet whilst watching vids on other! My aim is not to do more than 40 mins midweek as I need to exercise and daily clicks don't burn calories!

I've got a notebook from my stash and have been busy with budgets etc. wrote down my aspirations, wish lists etc. Also done a store cupboard shop list so that can keep costs down. Hopefully will get kids involved.

Signed upto 20p savers club and promptly found £1 in purse!

Still got the stresses to work thru but now IVA done it is one less pressure.

Had one exam board offer me marking for summer so have booked a cheap room for London for start of July hols. Youngest has never been. Sun 9.50 ones start soon so put some cash on one side for that too.

Also now going to wash up from bowl and not running hot water. It's something I cannot get out of but gas bill is really high. Once I 've mastered that then it's length of time in shower. My gas bill is around four times leccy and that includes dryer - eek!

Be back to ramble to myself tomorrow!