Huge debt, kids, horses, chickens and a dog - oh and full time work :)

DebtFree2012

No I don't Just ibuprofen which helps a bit.

DebtFree2012

Evening

Sat with a hot water bottle to relieve my aches and pains after doing the horses. Tomorrow should be easier.

I bought DD her tea out tonight and also a cuppa for my friend so spent £6. Tomorrow I'm getting a few nik naks for DH to open for his birthday as he's has his main present - just something for him to open.

I've made a soup tonight so I'm pleased with that, feel like a half decent wife and mother actually having food prepared, clothes washed and a clean house whilst juggling the full time job and managing the horses. Long may it last!!

DebtFree2012

Afternoon

A lovely bright and sunny day here today. Work is preety awful as the redundancies are starting and people are being told their dates. Knew it was coming but obviously horrible atmosphere. Of course I am pleased that I have a position but I do feel out of it as I'm one of the few left. If I say anything I feel like I'm rubbing their noses in it.

I've been day dreaming at lunch time about being debt free and starting the livery yard up. I can't wait - it's so far out of reach at the moment that it doesn't seem anything BUT a daydream. The sooner I can get this debt shifted the sooner it may be more of a reality.

So next is to ebay some more items.

DebtFree2012

Yey got my info through - 5% ish rise so I'm pleased. Now to re forecast.

DebtFree2012

Always hate looking at the total picture.

I've re jigged everything so I should have everything onto 0% again (some were running out) and I've put the OD due to holiday and so on, onto 0% on my card so that balance has gone up but the OD gone down.

A clean slate and now it's time to stay in control as Christmas is going to be expensive as always.

I've re worked my forecast and can pay off some items earlier than planned however my main loan is fixed so the DFD stays the same. I just may have some savings in the mean time.

DebtFree2012

Morning me

Well I've started as i mean to go on and cleared my OD all be it with 0% balance. I'm going to make small payments every day to my card which I used to do just to round off my accounts.

First payment is 15p! Those were the days.

I'm still updating my budget and forecast but am back in the zone. Feeling so much more organised and with it now, loving it.

On a bad note the dog's not right - he's got a bad stomach so need to keep an eye on that. Might have to do chicken and rice diet if he doesn't pick up. He's not eaten anything to give him it this time, normally he raids the bin!

DebtFree2012

Morning me

Yesterday I was out for lunch and spent £7 which was cheapest thing I could get. It was from money in my purse so that's good.

Normally on a Wed we'd have tea at the show jumping but we had it before we left and I didn't even buy a cup of tea there so I'm rather pleased, I didn't miss it either.

Today I was so tempted to just buy lunch at work but instead threw together some sarnies and tonight I have mince out and the ingredients to make a lasange so we shall have that - all already paid for

I struggled getting up this morning as we'd had such a bad night sleep - I think there was something in the air as the horses seemed on edge too and were loonies at the show!!! today's another day though and a few cups of coffee wll sort me out.

I'm off to check my accounts.

DebtFree2012

77p sent to card today.

I've have 160 refunded from the big girls claim once all payments made so I shall keep that to one side and not allow it to be absorbed.

Just signed off the accpetance of my new contract - I don't feel the benefits until January's pay but something to look forward to.

My forecast now says I can clear the CC debts quite a few months earlier but as mentioned, the loan is fixed so I think I will save up the difference so when my loan's paid I have a little cushion towards the next stage of our lives.

I will have a business plan ready, contractors reviewed, applications ready to go and will just need to ensure creditors have me at zero on credit report before I start applying for the business monies. Soooo excited. (Ignoring the fact I don't have premises - a small matter)

DebtFree2012

Morning

Friday but a pain of a day for me. Not to worry, soon it'll be Saturday and long morning with the horses and my DD in store.

Went to Aldi and got a few things to tide us over. I'm wanting to do something different in the slow cooker this weekend so I'll have a think about that when I get chance. Something with coconut milk as I love it and have 2 tins.

I've noted down lots more points on the livery yard in the making. DH had some good thoughts last night so just keeping that on the slow burner.

Roll on paying this debt off but loving life in the mean time!

DebtFree2012

Afternoon

Having a breather as so busy it's unreal. I like it though as it makes me get organised and that makes me happy in itself.

DH is getting right into the dream with me, well not as much as me, but he's thinking about it and I'm so pleased - it is keeping me motivated to reduce the debt.

I've been savings money here and there in a little bag in my bed side table (sound like my Nana) and I have £50 in there now so that's my start of my emergency fund. I could have done with one this week as I've had a right carry on with gas and electric and long story short I'm £400 lighter which I could have done without. It's depleted my savings that I'd made (to pay other things) so I've not put it on credit but am so annoyed. I've put a complaint in for what it's worth.

No non budget spends otherwise. Really pleased.