Debt free by 40 -- 19 Months and counting

Mrs_Cheshire

Steph why don't you post your SOA here so we can all help to see where further cuts could be made to help you achieve your Debt free date.
I've recently started on the journey with CAP and already feel so much better!

Buffythedebtslayer

hello Steph,


I am also on the Frugal living challenge, am a similar age to you and would love to have a deposit for a house or a round the world trip(!)by then. So I am in! X


Got so many plans.


I have to pop out (scared!) to get guinea pig food! and a few bits...(could be fatal)


Best get on, the hoardes will be there already!


XXXX


ps excellent on the dinner/drinks swop XX

StressedSteph

Mrs_Cheshire wrote: »

Steph why don't you post your SOA here so we can all help to see where further cuts could be made to help you achieve your Debt free date.
I've recently started on the journey with CAP and already feel so much better!

Morning Mrs Cheshire,


I will post up my SOA, its been a while.
Trouble I have with my SOA, is that some of my bills looks large, but we are living on a small farm so House Insurance and other bills sometimes look larger than they should be.


Will definitely do it though. Thanks xx

Buffythedebtslayer wrote: »

hello Steph,


I am also on the Frugal living challenge, am a similar age to you and would love to have a deposit for a house or a round the world trip(!)by then. So I am in! X


Got so many plans.


I have to pop out (scared!) to get guinea pig food! and a few bits...(could be fatal)


Best get on, the hoardes will be there already!


XXXX


ps excellent on the dinner/drinks swop XX

Morning Buffy,


Thank for joining me on my little challenge. I need to sort out my totals for the Frugal living challenge, but I need to realistic. My spreadsheet is often based on "best case scenario" which doesn't often happen .


Good luck at the shops. I have to wait till Monday when the wages go in...Yikes xx

debtfreeoneday

Hello, popping in to say hello.. I reach that age milestone next year and my goal is to have shifted some weight by then..

Well done for taking control of the debt.. You can do it.. x

maddiemay

Sorry that you are feeling under the weather, you must be exhausted, but well done on all your money raising through December. The frugal living challenge sounds great and hopefully it will be great with each cheering the other along.


Finally got my act together and shopped for the fruit, veg, salad etc. this morning, just OH and I for Christmas day, my Ma declined an invitation this year and said as we are having a complete gathering of the clans on the 29th that she is happy to stay at home, ring all her regulars and watch what she wants to on TV, she came here two years ago and I made lunch etc. there last year, so we are going to slob out on our own with HRH the border collie.

wantabetterlife

How did xmas go steph...are you all set for the new year?

StressedSteph

Hi Diary


Sorry I have been missing in action. It ended up being a total shutdown of a Christmas. I haven't barely lifted a finger, it was fabulous.


We haven't spent any money, because we haven't been anywhere AT ALL. Its just what we needed. Its was such a hectic run up to Christmas, that a week doing nothing much at all was just what the Dr ordered.


I taught myself to crochet during the break which has been fun. All the decorations are down now and yesterday and today are house blitzing days. Want to get the house organised. Tidy house / tidy mind.


Finances are hanging in there. Early next year looks super tight. My snowballing calculations are all worked into the spreadsheet, but I think the extra payments to my first debt (B#rclaycard) are what is making my finances looks abit precarious. I need to get crafting to make that extra money needed to bump up the account. Childrens tax credit seems to have paid super early. I usually get it the first week of every month, but it has gone in already!!. Assume its not a generous extra payment???.


Got a night out at the pub tonight for new years eve. It is financed by cash we have squirrelled away, but the MSE'er in me doesn't really want to spend it. hehe.


Had a few strokes of luck/good friends recently. Hubby went to help a neighbouring farmer yesterday and came back with a huge back of turkey breasts for free. Yay. Also I have been invited to a spa for a cream tea and massage for a friends birthday this Friday, financed by her husband....Double yay.


I have good feelings about 2014.


Hope you are all doing well after the Christmas Break. Promise to check back in daily from now on xxx

debtfreeoneday

Happy New Year Steph.. good stroke of luck re the chicken breasts and spa day.. I must go check my tax credits now just in case I think I have more than I should in the bank.

Hope you have a nice NY Day whatever you have planned x

StressedSteph

Sorry that I haven't checked in for a week diary. But its has been a very busy time and lots has happened.


I very luckily got an invite to a Spa day with a couple of friends for a birthday treat. Its was wonderful.


Also my Little Craft business is taking off again. I was worried January would be a totally dead month with not an order in sight. but I have quite a few orders and my FB page is very busy.


I also have a stroke of luck that a local gift shop has offered to stock some of my products, so I am on a big push to get some stock built up to delivery to them end of next week.


I have got to be careful with my budget thought as I have bought the odd bits for the company from the internet, and I REALLY can't afford to. My budget it completely over-stretched without any misc spending being added to it. Eeeek.


Its very hard to run a business without investing a little money in advance. Must try my best to use materials I already have instead of picking a colour I don't have and incurring costs. before the items have sold.


Hope anyone reading this has had a good Christmas and New Year. I need to balance my bank account against my Spreadsheet after the Christmas Holidays, but the bank website is playing so will have to try later.


Also need to sort out my filing tray of bills etc and its over-flowing and looks really dis-organised.


Speak soon xx

debtfreeoneday

Hard isn't it as you have to speculate sometimes to accumulate.. great news about the local shop though! Good luck with that!