Debt free by 40 -- 19 Months and counting

StressedSteph

Morning,


Lots of my Skylanders finished on Fleabay last night. I have printed off the order details of everyone that has paid to get them all packaged up.


Logged into Payp#l and withdrew the £80 into my bank account. I have worked out that worst case scenario the postage costs will come to £20. So that leaves me with £60.


Have just made another immediate payment to Barclayc#rd of £60. That is £140 in total so far this March :T.


Barclaycard total is now £658.


Still got 10 items active on Fleabay and I probably have another 10 items I need to get listed today.


Fingers crossed I will be able to make another decent payment again next week. Think I might be able to bash this debt quickly with just selling items around the house.


Ds has a keyboard and an electric drum set that he NEVER uses. I am sooo tempted to list them on Fleabay, but worried he might get into them in the future and also abit conflicted selling the childrens items, In case I am being mean.
What are your thoughts on it???


Feels so great to be plucking these extra payments out of nowhere. Making sure I pay the debt immediately so that the fleabay sales don't just get absorbed into the account. Got to make this money work.;)

Magsnoodle

That's brilliant news. Well done x

clearmydebts

Hi Steph,

Haven't been on your diary in ages. You sound so motivated and focussed at the moment. I am trying to focus myself at the moment, and am finding you inspirational!

StressedSteph

Magsnoodle wrote: »

That's brilliant news. Well done x

Thanks Magsnoodle. :beer:

clearmydebts wrote: »

Hi Steph,

Haven't been on your diary in ages. You sound so motivated and focussed at the moment. I am trying to focus myself at the moment, and am finding you inspirational!

Hi clearmydebts

Thanks for stopping by and posting.
I have just cleared my first debt (Arg#s) and it has given me a small taste of success. Desperate to beat the amount of time my snowball calculation says it will take to clear these debts.
Fairly acheivable at the moment as tackling the small debts first, so Fleabay sales etc can have a big impact. Will get steadily harder as I get to the larger ones.

Thank you for calling my diary inspirational. Thought it was just full of my moanings and groanings :rotfl:.

Hope things are going well with you xx

debtfreewannabe321

Fantastic Steph! That BC is going down nicely!! As for selling kid's toys if they don't play with them at all I don't feel guilty selling them! My kids have far too much stuff anyway and don't notice half the time

FinanciallyUnsavvy

Morning Steph!

Just been catching up on your posts from over the weekend - good grief, you're on a roll! I'm VERY impressed with all the money you've been able to chuck at Barclaycard. Incredible! :j You go girl

I bet it'll be gone by the end of next month at this rate!!

Good going with all the ebay sales too. Glad to see the Skylanders did fairly well!

I don't see a problem in you selling the kids' stuff. Maybe ask them first? I suppose since they're technically your children's things, you could give them a little cut from the sale to sweeten the deal for them? But when it's stuff they don't use - it's just clutter in the house that needs clearing once in a while anyway. My parents would do it with our stuff when we were younger- except it'd get sold on a car boot sale for pence. It pains me to think of all the pristine lego sets that were sold for probably £1 back in the day that would now be worth a small fortune!!

StressedSteph

debtfreewannabe321 wrote: »

Fantastic Steph! That BC is going down nicely!! As for selling kid's toys if they don't play with them at all I don't feel guilty selling them! My kids have far too much stuff anyway and don't notice half the time

FinanciallyUnsavvy wrote: »

Morning Steph!

Just been catching up on your posts from over the weekend - good grief, you're on a roll! I'm VERY impressed with all the money you've been able to chuck at Barclaycard. Incredible! :j You go girl

I bet it'll be gone by the end of next month at this rate!!

Good going with all the ebay sales too. Glad to see the Skylanders did fairly well!

I don't see a problem in you selling the kids' stuff. Maybe ask them first? I suppose since they're technically your children's things, you could give them a little cut from the sale to sweeten the deal for them? But when it's stuff they don't use - it's just clutter in the house that needs clearing once in a while anyway. My parents would do it with our stuff when we were younger- except it'd get sold on a car boot sale for pence. It pains me to think of all the pristine lego sets that were sold for probably £1 back in the day that would now be worth a small fortune!!

Thanks for your replies DFW & Kim,


Think I will have a chat to Ds tonight and ask him about his drum kit and keyboard, he never uses either of them.


Maybe I will offer him 10% of the sales price if he agrees to sell them

StressedSteph

Afternoon all,


Just a quick check in to update.


Had a lovely morning. A gardening friend and I went to the local garden centre, she paid for a coffee :T, and then we stocked up on our veg seeds for the year.


We went back to hers and split them all in half. There is always too many seeds in a packet, so it was very thrifty to split them.


I used up my vouchers and only ended up spending an extra £8.
Veg seeds for the whole year for only £8 is amazing.


Got home and rang Arg#s and cancelled my account with them. So job done, debt and account GONE :j.


Had to ring Barcl#ys as requested by them last Wednesday, to check that the missing £100 has been credited to my account. After two tries to get through with people hanging up on me, I eventually got a woman who quite obviously hates her job. No sign of it yet and was told to ring back after 3pm :mad:. Whats the betting it STILL hasn't showed up. I will have spent another £100 on phone bills by the time I get this sorted.


Need to get dd some new Wellie boots before Wednesday, but might leave it till tomorrow now as haven't done anything in the house yet today and dinner needs preparing as well. The day has run out on me .


Hope you are all having a good Monday xx

StressedSteph

Had to pop into town this afternoon to get Dd some wellie boots.

Went to Brantano and got a few bargains.

Wellie Boots £4 (+£1.50 insoles)
Sale Trainers for Dd £11
Sale Trainers for Ds £9

The trainers were not planned spends but they were such bargains I couldn't resist. Both children are desperately short on shoes so are most certainly a need not a want.

This is also a big turning point for me. Buying shoes and clothes with cash not on the catalogue. If I had done that through Littlewo#ds it would have cost me a fortune.

Not really anything in the clothes budget at the moment, but have juggled YNAB and will definitely start putting £10 per week away.

maddiemay

Hi Steph
You are going great guns in so many areas, well done:j:beer::j:beer:

Probably too late, but is there an alternative cheaper number for Barclay*, try goo*ling "say no to 0870 or 0844" or whatever, there are several MSE guides for some of the numbers.

MM xx