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I may have done something stupid!!
BubblyBo
Posts: 29 Forumite
Well here I am again!
I have been here a few times and last time I had my LBM I was quite successful in reducing my debt.
Then I had to contribute to a rather large purchase and started spending on C cards again
Anyway I have handed my notice in after a very long year gritting my teeth and holding my tongue. (This will be the 'maybe something stupid')
I know most people are looking for work but I really could not stay in that job any longer becoming more stressed and unhappy every day.
Since THE decision I am already much happier.
I will be looking for work again but for the time being I have pulled the belt in very tightly.
I have already up dated the budget spreadsheet to reflect no income from me and I have always made sure that I have the best deal on utilities and insurances. I know that I can meet the minimum payments but intend to cut back and try to earn extra money to makeover payments.
My last LBM, I tackled one debt at a time and cleared and snowballed while paying minimums to all the other debts. So this is what I am going to do again.
I have bought all the Christmas presents and I have one more pay day so now is a good time to start the frugality. I am going to start my frugal budget from 1st December along with my advent calendar and then hopefully won't need to touch my last lot of pay and that can be put away for birthday gifts through out the year.
Once I find a new job , the earnings from that can go straight to debt payment.
I have 4 debts. I know the outstanding balance on each one and I am going to tackle them one at a time.
First one - NEXT.
Sorry for the rambling first post but now it's out there, I HAVE to do it.
:-)
I have been here a few times and last time I had my LBM I was quite successful in reducing my debt.
Then I had to contribute to a rather large purchase and started spending on C cards again
Anyway I have handed my notice in after a very long year gritting my teeth and holding my tongue. (This will be the 'maybe something stupid')
I know most people are looking for work but I really could not stay in that job any longer becoming more stressed and unhappy every day.
Since THE decision I am already much happier.
I will be looking for work again but for the time being I have pulled the belt in very tightly.
I have already up dated the budget spreadsheet to reflect no income from me and I have always made sure that I have the best deal on utilities and insurances. I know that I can meet the minimum payments but intend to cut back and try to earn extra money to makeover payments.
My last LBM, I tackled one debt at a time and cleared and snowballed while paying minimums to all the other debts. So this is what I am going to do again.
I have bought all the Christmas presents and I have one more pay day so now is a good time to start the frugality. I am going to start my frugal budget from 1st December along with my advent calendar and then hopefully won't need to touch my last lot of pay and that can be put away for birthday gifts through out the year.
Once I find a new job , the earnings from that can go straight to debt payment.
I have 4 debts. I know the outstanding balance on each one and I am going to tackle them one at a time.
First one - NEXT.
Sorry for the rambling first post but now it's out there, I HAVE to do it.
:-)
Try to be Happy while saving money!
0
Comments
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Happy shiny new diary!! Good luck!Total debt at October 2008: £67,213.30
Total debt today: £0 - debt and mortgage free 29th November 2013 :T
Sealed Pot Challenge member 14
Save £12K in 2014 - £6,521.90/£6K member 138
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