Debt Free by Dec 2014!

Raggydoll85

Bye bye HSBC... thats such a good feeling...

now i just have the CC and my OD on my current account which will get sorted slowly as my CC goes down...

Great way to start the new year i think!!

Puzzcat

Raggydoll85 wrote: »

Bye bye HSBC... thats such a good feeling...

now i just have the CC and my OD on my current account which will get sorted slowly as my CC goes down...

Great way to start the new year i think!!

Well done rags, hope you achieve all you wish for in 2014. Happy New year....nearly. xxxxx

Raggydoll85

Puzzcat wrote: »

Well done rags, hope you achieve all you wish for in 2014. Happy New year....nearly. xxxxx

Happy New year Puzz!!! x

Raggydoll85

Happy New Years people!

Sooooo new year new goals... there are two i want to keep tabs on in this diary! My debts clearly and losing weight Im not dieting just exercising so will be a long slow process.

Plan is to be debt free by the end of this year and lose 10lbs...

todays a NSD... and I'm going to do 30 mins on the cross trainer

See you all soon!

Raggydoll85

Hi all,

Very slow start to the year so far! Lots of birthdays so i cant pay much off.. Will have to wait till payday to get the ball rolling...

Have saved £10 in the £365 in 365 days so far thought i start big for the months i cant save what i need to... Also have £100 to go in to my normal savings from december... am already on my goal for £1000 for a car... think i will aim for £500 for a holiday and the rest can go on a new mobile and laptop (hopefully)

Going to start ebaying up today and putting the xmas decorations down Also am going to try and do a bit of crafting to sell etc

Raggydoll85

So far...

Weight loss is going great (although i have been really naught today) and usually i am up and down weight wise!
Starting paying of the CC!! yay...

Raggydoll85

Scared myself now.. worked out i need to pay at least £300 to get rid of the CC this year.. i really want to be debt free but thats a lot and i don't know if i can manage that much...

Any hints and tips.... I do Mysurvey, Pinecone, Qmee, ebay selling, Quidco when i buy online, nectar card and adpoints.... anything else i could do???

Raggydoll85

EBAY RANT

Why is it people try and haggle on prices saying ive found it cheaper else where... if you have buy it off there lol...
Im selling some hen do things that i had left over from the one i organised as some people didnt show.. They are on their cheaper than what i brought them for including postage as well. Yet I have this lady haggling with me to get them even cheaper

rant over

I do get that hen do's are expensive so i am trying to get her to come up a little so im not losing loads... we all have to make the money back

Cleaning, knitting, exercise and ebay this weekend hehehe

Raggydoll85

Ok so annoyingly I've failed two exams... passed one. YAY.

So that means another £300 on the credit card plus the £103 i had to put on for my subscription...

AHHH do not think i will be debt free by the end of this year

Raggydoll85

Ok so trying to only spend £150 on groceries etc for the flat a month.. not sure if i will manage it as I never ever do... but we will see...

spent £63.31 this time.. that includes stuff i buy less often like bin bags, washing up liquid and bleach.... hoping that i can make what i already have last... and seen as im trying to lose weight i should be able to do that...

Any money I make on surveys or ebay im using to lower my debts... Im trying to calculate the amount of interest i have to pay so my paid totals take that in to account so i dont have to keep adjusting them...

slow and steady.. this is going to be ridiculously hard... how do you all do it when you have more debt than me.. people are paying of £700 a month... i really dont think i can do more than £200 not including the interest on the accounts