I want it now.....2014 debt busting/money saving the year away!

wendz86

That is great about the nectar points smarter_and_harder , the ad points will help !

I am still off work as work Monday to Thursday so thought I'd take today off! My lo is at nursery is going to spend the day sorting things for loft - lo's old toys and Christmas stuff. Also put some stuff aside for car boot which I am hoping to do in May time .

mariagti

I done the same with toy sorting the other day ..it never ends!

Has anyone ever used this site all clothes £5 it's called https://www.everything5pounds.com or is it a con?

starshinning

well i started working on a statement of affairs to work money out. Someone help me. Apparently I have an income of £1,758.56 a month!!! how the hell can that be right?????

Breakdown is

Wages £650 a month
Child tax credits £194.44 a week so £777.76 a month?? how can that be right??
child ben £33.10 a week £134.80 month
CSA for oldests ex £196.00 a month (49.00 a week)

That is bloody mad? isnt it? There is me an 11 year old and a 2 year old. I pay £60 a week nursery for the youngest

Rhi2

Hello thought I was a newbie but when I went to make an account It turns out I all ready had one :rotfl: So... Semi Noob!

Loving the thread! I find it really encouraging just coming on the forum everyday and not feeling completely alone, and having decided that 2014 was our year to get debt free I am going to make a more active attempt to come online everyday and to take part in a few of the challenges etc

Really is actually less of a decision and more tough luck to be honest though. We have so much in the way of catalogue debt that it eats up almost ALL of our excess income; have managed to get them to agree to freeze the interest and have set up new payment plans that will mean we will be free of them by november 2014! So long as we make the payments every month :eek:

starshinning

my outgoings on just bills, nursery rent etc not including food, clothes petrol etc is just under £1k

Rhi2

^^ congrats on the bump

Rhi2

mariagti wrote: »

I done the same with toy sorting the other day ..it never ends!

Has anyone ever used this site all clothes £5 it's called https://www.everything5pounds.com or is it a con?

It's legit. I have used them before and I have them on f.b (people seem happy enough)

freebiz14

Finding new opportunities to earn extra and working smarter is definitely what I have to do to reduce my debts this year. I'm sooooo tired of being in debt and I see that as my only way to getting in the green :jagain.

freebiz14

I'm new and still trying to find my around here, but I have to say congrats :rotfl:to all the baby bumpers on this thread. It must be such a great feeling anticipating the arrival of your little bundle of joy. I just know debt or no debt this is a great time in your lives. I'm sooo jealous.

wendz86

Hello to newbies

Congrats it all those with baby bumps! Very jealous, hopefully will join you soon haha.

Not sure about the tax credits , does sound high but I have no idea on these things!