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2014 is turn around year
debtfree2014
Posts: 85 Forumite
Hello, I need to get my house in order. Not a lot of cash coming in, so I need to be very frugal, get completely debt free and learn to make do and mend and live within my means.
I am ready to rock 2014 and shake every last penny out of it.
I am ready to rock 2014 and shake every last penny out of it.
4 - 6 month loans
500 payday loan canceled continuous payment, have to wait for it to default to set up a repayment plan
£600 to brother
500 payday loan canceled continuous payment, have to wait for it to default to set up a repayment plan
£600 to brother
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Comments
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I am not waiting till January to start living within my means. I am starting that right from this moment. I will question all my spends. I have downloaded a spending app on the my phone. My phone contract finished in August. I did not upgrade but changed to Sim only contract. Would have been nice to have a new shiny phone. But did not NEED a one 4 - 6 month loans
500 payday loan canceled continuous payment, have to wait for it to default to set up a repayment plan
£600 to brother0 -
No time like the present! The sooner the better,hey? Welcome to the DFW diaries :beer:0
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Go for it debtfree2014!!!!!
Good luck with your debt free journey!!!
Best wishes
C-R xDebts @ LBM (May 2013): £25,250.27 | Debt Free: May 2015 :j:j0 -
Thank You Eyebright and C-R for your good wishes and popping in 4 - 6 month loans
500 payday loan canceled continuous payment, have to wait for it to default to set up a repayment plan
£600 to brother0 -
Just in from night shift. I did not take my purse to work, so could not call in the shop on the way there or back :T 4 - 6 month loans
500 payday loan canceled continuous payment, have to wait for it to default to set up a repayment plan
£600 to brother0 -
At work tonight, I am going to put together a plan. My loans, utilities, rent, council tax, sky, TV licence etc are set amounts and are already accounted for, so need to work out a budget for food, house expenses, garden, car, petrol etc. At the moment no buget for any of these I just go to the whole in the wall and draw out ( usualy more than I need too) . Thats going to stop too. I will put up my budget etc when I get it worked out 4 - 6 month loans
500 payday loan canceled continuous payment, have to wait for it to default to set up a repayment plan
£600 to brother0 -
I identify with your sentiments entirely! 2014 is debt free year for me too.
I have a large loan that finishes this year which will mean f I divert it straight to the credit card I can clear that too but my mind set tends to be "ooh £410 a month spare now......what can I spend it on" :eek:
I think the budget is a great idea though and definitely saving up for things is a great motivator! Will be watching!Can I ever learn this budgeting lark? So far it's not looking promising
Lloyds loan - gone forever! :T
Bank of Mum and Dad gone forever!
Emergency Fund £1500 :T0 -
Happy shiny new diary I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 20 months left.0 -
I've spent all afternoon tweaking my budget to cover all bases, so definitely think it's a good idea to get one sorted for yourself!
Hope work goes ok for you tonight:):) 0 -
Archer0710 wrote: »
but my mind set tends to be "ooh £410 a month spare now......what can I spend it on" :eek:
I think the budget is a great idea though and definitely saving up for things is a great motivator! Will be watching!
Hiya Archer, thank You for reading and posting. The above is so me too. As soon as I have some spare cash, I have to spend it, instead of putting it to better use, like my debts. But we are not going to do that again, until are debts are clear and we have savings and an emergency fund........are we ? 4 - 6 month loans
500 payday loan canceled continuous payment, have to wait for it to default to set up a repayment plan
£600 to brother0
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