30 months to no debt - an Optimistic Journey

Skint_but_Optimistic

The third one is the postive attitude I am wearing like a new dress! You too dear, I cant wait to get on with everything!

HeadAboveWater

Love the attitude

Skint_but_Optimistic

Cheers!

Tonights plan - which I have concocted and think is pretty good, is as follows.

1. Go to the other house and then the bloke will collect the bed.
2. go to the chemist and get DD prescription.
3. Go back to the house and paint the back room.
4 Go in my loft at home and make a start.

patman99

Good news on the tenant. That's one less issue to sort-out.

millionaire_in_training

Aww I love it when a mood like that comes over me............rarely happens mind you

Skint_but_Optimistic

Month 23 day 23 and hello to you all!

Breaking news today is that the CSA has come in. £216 pounds of it which I had hoped to use to pay a bill but because of my broken foot / eye off the ball / errant husband shopping alone its been swallowed up by bills and living expenses for the next 10 days to payday.

That’s going to change now he has his budget. - Or he will be in real bother.

My maximum balance of £300 hasn’t yet been achieved. I have made best efforts at the moment and am maintaining it at -100 in a 200 pound overdraft. I might try and increase that by 50 pounds a month.

In the next couple of months all my minimum payments will be on direct debt and I will just maintain my minimum balances.

My little mini goals will be my day to day focus and I will use ebay against them. If I exceed my balance for the month I will put that to the most expensive debt. I will be redirecting the money I am saving on council tax and popping that equally between my loan and vanquis I think. An additional £84.50 to both of those is going to help massively. Add that to the mini targets and it will be tumbling down.

My DH is going to set his budget on payday. He will have £600 with the £50 for animal supplies. He will have a remaining £350 and out of that he will pay back our mums £100 each and pay an additional £150 off his personal card.

Decluttering news, I sorted the loft a bit and got some more stuff to list on ebay. Luckily we received an invite to list 200 items over the weekend. I would have had to be a woman possessed!! I did manage, however to list 67 – these weren’t all new to ebay items some of these were relists.

I will continue to create some listings and then I can use it to save time the next time there are freebies. I am aiming to do at least a couple a day.

I am maintaining my good mood – JUST. I seem to have been infected by DS who fetches more home from nursery than painting. This time it’s the sniffles and a sore throat.

DH was out last night playing some form of wargame thing with some other nerds. This in itself wasn’t an issue. I performed marvellously, well ish. I did ebay packaging and I did enough ironing to see us clear for today. I had both kids washed and in bed by half 9. Trouble was when DH came in he was like a herd of elephants and woke both kids up and me at 11.45!!

In retrospect I should have stayed up and listed some more free ebay but I was so tired. We had worked on the other house on Saturday, did enough shopping to see us clear and I had completed the sale of that bed. We shopped in Lidl and did brands in Sainsburys using nectar points. We are going to Herons and tescos this week as they are both very local and we are going to run out of time if we aren’t careful with getting everything done for our let.
We are going to be cleaning tonight and doing some other bits and pieces as well as posting ebay and sorting out. We will need to be fairly smart as I am already tired its only 11am and I have pretty much mapped out constant work until 8pm.

Nothing worthwhile ever comes easy. Whether and I must say, I have been learning lessons for a long time now and the best things have been hardest fought.

One thing I forgot last night was to make myself some lunch. So I will need to get a chicken thigh and a beetroot salad. I love beetroot but its probably carby. My clothes feel slightly looser which is good so its not all bad.

I may be able to offload my fat trousers before long|!!

Skint_but_Optimistic

Question of the day:

Any ideas on what it costs to get connected to the main gas pipe? Its in the street, in fact, its next door.

millionaire_in_training

Not a clue but maybe ask on DIY board x

Skint_but_Optimistic

Month 23 day 24

Ebay at a paltry £2.97. Nowhere near minimum money in...

My work has gone from something marginally enjoyable to an absolute trial as I am so overwhelmingly tired. Luckily I can switch off for great swathes as many of my pieces of work are on a go slow. This is despite the fact my son slept all night which I can count on one hand since he has been born.

Spent some money at lunch yesterday, £2.60 for something to eat and £1 from the pound shop for some grass seed for my garden which suffered a little during the monsoon and subsequent heavy handling by the mutts.
I am hoping to manage a couple of NSDs this week. It was well worth the walk out yesterday though, the sun was shining and it seemed to have not brought out too many amblers.

It was pretty much the same today, but as I had DH in tow and we needed lunch and some things for the house we spent around £25

Hopefully that will help with burning some calories. I am looking forward to the summer and the future is still catching in my throat as I bubble up! I think I will need to get the rubbish cleared out of my garden and I can plod on with that to burn some calories too.

Saying that, I would absolutely love a chocolate bar right now. I would demolish it.

The bloke who bought the washing machine off us, -- oh oceans ago… had said he would collect it Monday. Hes messaged and said Wednesday.


Last night I was cleaning the house for the new tenant which is looming ever closer. I will be back there again Wednesday night and the remainder of the week, as I am aware time is running out.

I am starting to get a little bit concerned about the finances this month again with the car needing work doing and me needing to go to London with work and the cost of hotel being extortionate! I know I will be able to reclaim the costs but its really worrying. I will need to load about £500 onto my card to meet it.

Will just have to be a little more thrifty for now.

wannabe_credit_free

Hi, hope you don't mind me subscribing to your diary. I'm working my way through the diaries and I'm finding them inspiring and they are motivating me no end. I have been scrimping to get rid of CC debt since last year.

Thanks to the help of this forum and its members I applied for and succeeded in getting a 0% long term BT from Nationwide. Having no interest to pay makes a huge difference and I'm hoping to be CC and debt free just before this xmas.:j

I so admire people like yourself, who are regaining control of their wallets and their lives. You are doing great and remaining upbeat, through the hardest of times. Hopefully everything will become easier for you as time goes on...:D