Debt Free by Dec 2014!

Raggydoll85

So it is payday!! woop! will update totals when i move my money around later

also i am now going to see if i can cut down my spend on food etc so going to keep tabs on my grocery spends for the flat It will look weird as i go from pay day to pay day which is the 19th!

Chat later im recovering from my first of 3 exams

beth2242

Hi Raggy hope your exams went well! What are you studying?

I have managed a few NSDs and a few good days so it's all balancing out. I've now paid another £20.30 of my debts off which is good! :-) This is the same amount that will pay off every Tuesday as I get my Child Benefit paid that day into the Barclays account which I am not touching so my O/D is slowly coming down!! :T

Hope you've managed to pay your Mum back - one less debt to worry about!

I have another 8 days til pay day! It can't come quick enough! I have plans to pay off lots as I'm expecting an extra £600 from an extra 15 hours per week I've worked doing my additional job! This should help cut a good chunk off my debts whether it be the o/d's or the wedding fund. But first will have to make sure Xmas presents are all sorted - only have adults to buy for now all the kids are sorted, but I find it difficult buying for adults :eek:

Hope you're having a good week.

Raggydoll85

hello!!

My CIMA exams! It is the strategic level... 3 exams in 3 days.. last one tomoz

Ive paid £115 off HSBC. Not paid mum off as I've not seen her. Paid some money in to my savings so now on £1000 for a car.. (hoping i can manage with out a car so i can just have those savings sat there....managed since july so far)

Woop... going to be expensive for the next few months so it will be sell sell sell make money make money make money for a while!

good plan with the child benefits if you can manage with out it

Love love love

beth2242

Oh well done! That's a good chunk paid off! Managed to have another big spend today (£41) at Ald* on things I could have quite happily managed without! I only 'popped in' for milk and bread! Same old story! So I'm a bit mad with myself but never mind onwards and upwards!

Are you hoping to manage without a car for a long while or just as a temporary measure? It's worth doing without as it saves a fortune. Just not very pleasant having to arrange transport in the winter.

I'm struggling to find things that I can sell on eBay although I've just sold a designer handbag for £65 that will go towards a reborn doll for my daughters Xmas present that will cost £75. She has plenty of dresses she's grown out of that are still in good nick so I might look at putting some of those on.

:T

Raggydoll85

Hey Beth

Yeah although have realised that this month is the first month i am in the pension plan so whilst im saving for my future i am now £69 short a month! AHHHH

haha dont worry i have done the same in poundland (although not to that extent) on wrapping paper etc.. I have lotsof wrapping paper i dont need anymore... but i brought lots...

I've managed without a car since the end of July. I work walking distance away from where i live and my parents are aound the corner.....So im trying to see how long i can last without one... Shouldnt annoy me till i have to go visit people but I'm on my mums insurance if i need her car....

yeah i will run out of things to put on ebay very soon.... That is one EXPENSIVE doll.. why are kids things sooo expensive. My neice loves sylvanian families they are ridiculous in price

Raggydoll85

Mum is PAID!!!!!!

Puzzcat

Raggydoll85 wrote: »

Mum is PAID!!!!!!

Well done rags, whose your next target? Xx

novagirl

Well done Raggydoll

Raggydoll85

Puzzcat wrote: »

Well done rags, whose your next target? Xx

Thanks everyone!

Next is HSBC... i hate them and they need to go Im hoping by the end of jan they will be gone fingers crossed...
and then its my CC!!!

So i am getting there...

Raggydoll85

Nothing to report.. making bits of money slowly via ebay and nectar points... most going on Xmas gifts lol

Nov and Dec may be quite slow on the extra payments.. but im hoping end of Jan will be HSBC gone and then i can concentrate on the CC... which is getting worse not better so that wont go donw for a bit as ive not increased it by what ive spent... I need to stop it