Pay ALL your debt off by Xmas 2014!

Applecider_2

Thank you for lovely welcome. I got an evening job as well as my main job so saving tips and wages in a jar. Don't get loads of shifts but it helps. Last time I opened the jar there was £1600 in there!

So I've bought a jar now to start again, putting in it
Tips
Wages from second job
As much as I can save from my regular wage (£50-£100 a month if poss)
eBay selling

And I'm going to do the 'do I need it or want it' when going to shops. If I decide against buying it I am going to put that money that I was going to spend in the jar.

I am basically living off £50 a month after food and petrol which is pretty ok but it means not doing much ha.

I've managed to get 20% off childcare using work scheme and get a few of my bills down a couple of quid as well. These savings I would have carried on paying if I wasn't in debt so I've decided to put that money in debt jar as well (split between both our jars) because it's in our budget anyway!

I'm also doing the £2 coin jar, going to buy one this week. Rule is.... No spending £2 coins.

Anyone got any savvy ideas please let me know! I'm already on Asda value digestives and bulk buying tea bags

Thanks

Applecider_2

Toomuchdebt wrote: »

Sorry been MIA for a while as been so busy-kids got ill first with chicken pox and then with scarlet fever and things got on top of me-I've been paying the minimums but no more so the total now is 1110.28/4000 #165

I'm not going to hit my goal-not a chance-we're in June and there's only 6 months left but I will do as much as I can.And it's nice to be under 10K

Under £10k is great news! congrats!

amr547

ive given up trying to stay in the green this month, ive already transferred a chunk out of savings and it looks like it still wont be enough!!! bah... its mostly some unexpected spends but nevermind.

Mat_Lock

I'm going backwards this month. Since I bought that TV I have spent loads on cable management, ordered SKY TV and new blu ray films haha any money I could have had to overpay on my credit card I have spent. 2 weeks to payday so have to knuckle down after that, holiday is next month though so not going to expect any big payments until after that.

amr547

Mat_Lock wrote: »

I'm going backwards this month. Since I bought that TV I have spent loads on cable management, ordered SKY TV and new blu ray films haha any money I could have had to overpay on my credit card I have spent. 2 weeks to payday so have to knuckle down after that, holiday is next month though so not going to expect any big payments until after that.

yes, we've been saving for our holiday spends instead of making overpayments - however, i expect we should have some left over from the holiday, which will overpay with when we get back.

amr547

ok, just turned out the £2 jar. had £64 in there plus £30 in notes so that pays for one day trip on the holiday!

minichick31

Had a bit of a set back, so can you update my total. :eek: :mad:

098 £1273.37/£6540 19.5%

Oh well, mustn't let it get me down.
Back into the swing of things now though.

minicooper272

I know the feeling with saving for holiday spends! I still have about 5 months to go though... But I'm trying to save from my daily spending pot, which means tightening my belt and saying 'no' a lot more.

32b3in2013

minicooper272 wrote: »

I know the feeling with saving for holiday spends! I still have about 5 months to go though... But I'm trying to save from my daily spending pot, which means tightening my belt and saying 'no' a lot more.

Me too, I have 5 days to go though. I don't expect to use all the money I am taking, so hopefully I will have a lump sum to pay off when I get home. If i do spend it all, I saved it for that reason, so I won't worry too much about it. What will be will be.

BritAbroad

108 here.

More payments made today. Now I'm at £6796.71/£10,000.