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Reeling from the Reality Check
Comments
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Two days of no alcohol...v good. Spent more than I intended on the food shop yesterday, £44. As I was going round I kept noticing things that had almost run out or we needed, so I got them and now should not have to buy anything else till the end of the month apart from essentials like milk and bread. I've started bagging up the loaf of bread into bags of four slices and freezing it to save it being wasted...good MSE. I really want to be more frugal with the food shopping, though. I have got the amount down a lot! But I could spend much less. It's really hard being consistent. NSD today. 12 days till payday. Surviving.Feb 2014 to now
Unsecured debt at highest £56,511/now £9,328 83% paid.
Mortgage £85,342/now £28,846 66% paid
2018 overpayment total - £5,500
Mortgage and debt free by August 20200 -
Just received the latest CC default paperwork. Just the loan and overdrafts to go now, but they are still marked as up to date at the moment.
Had a quiet morning getting on with paperwork and thinking about how I can earn some more money. I've decided I'm going to do some weekend market stalls with some handmade gifts and greetings cards. With Christmas coming up, there will be markets and craft fairs etc, so I'm going to have a go. I chose greetings cards because a) there are loads of occasions and b) everyone buys them. I had a look at a party plan greetings card thing, but you had to buy the cards from them and they were too expensive. I'm sure I can do it much cheaper. I'll spend a few weeks making and gathering stock and aim to do the first market by mid October. If it ends up not being worth it daughter can always take the stuff for her stall.
Right. Now back to work.Feb 2014 to now
Unsecured debt at highest £56,511/now £9,328 83% paid.
Mortgage £85,342/now £28,846 66% paid
2018 overpayment total - £5,500
Mortgage and debt free by August 20200 -
Historybuff wrote: »Just received the latest CC default paperwork. Just the loan and overdrafts to go now, but they are still marked as up to date at the moment.
Had a quiet morning getting on with paperwork and thinking about how I can earn some more money. I've decided I'm going to do some weekend market stalls with some handmade gifts and greetings cards. With Christmas coming up, there will be markets and craft fairs etc, so I'm going to have a go. I chose greetings cards because a) there are loads of occasions and b) everyone buys them. I had a look at a party plan greetings card thing, but you had to buy the cards from them and they were too expensive. I'm sure I can do it much cheaper. I'll spend a few weeks making and gathering stock and aim to do the first market by mid October. If it ends up not being worth it daughter can always take the stuff for her stall.
Right. Now back to work.
Have thought about doing something similar so many times HB, as love doing crafty (as in art...not sly
) things. Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
Wombling Free Cash May2016 £510 -
I love making things as well NOA. I'm definitely going to have a go to see if I can sell some.
OH is feeling good! He's just had a £500 win on a scratch card. He only buys the £1 ones now and again and he's struck lucky! Yay! The weekend entertainment is on him! He already paid for tickets to the gig earlier in the summer, now he can pay for the diesel and food and drink as well. Brilliant.
Another NSD for me!Feb 2014 to now
Unsecured debt at highest £56,511/now £9,328 83% paid.
Mortgage £85,342/now £28,846 66% paid
2018 overpayment total - £5,500
Mortgage and debt free by August 20200 -
How exciting - that's fantastic winning on the scratch cards:j:j:j:j!!!! Just in time for the weekend - you can really have a well deserved fun weekend now:) grinning from ear to ear - I can go to bed on a good note
xxFeb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
Wombling Free Cash May2016 £510 -
Woo hoo! Go Mr HistoryBuff :j:j:jMust use my stash up!0
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Thanks guys! Happy days!
Three days of no alcohol and another NSD on the cards today. Looking forward to the weekend. Yay!
Also one of the overdrafts has gone below £5000. Now I need the loan and one of the CCs to get below the £10000. That will be a psychological motivator!Feb 2014 to now
Unsecured debt at highest £56,511/now £9,328 83% paid.
Mortgage £85,342/now £28,846 66% paid
2018 overpayment total - £5,500
Mortgage and debt free by August 20200 -
Today's positives:
1) It's Friday!
2) Building up stock for the stall
3) Got enough diesel left to last into next week
11 days to go till payday. I must get the big stuff I want to sell up on the selling sites on Monday.Feb 2014 to now
Unsecured debt at highest £56,511/now £9,328 83% paid.
Mortgage £85,342/now £28,846 66% paid
2018 overpayment total - £5,500
Mortgage and debt free by August 20200 -
Got home early. Feeling happy the sun's out and having a little glass of wine on the patio...it counts as the weekend. Getting ready to go see daughter tomorrow, then gig on Sunday. Parking the finances and debt situation until Monday. Have a good weekend everyone!Feb 2014 to now
Unsecured debt at highest £56,511/now £9,328 83% paid.
Mortgage £85,342/now £28,846 66% paid
2018 overpayment total - £5,500
Mortgage and debt free by August 20200 -
Enjoy youre weekend too, still sunny out there.:)Visa £[STRIKE]5063 [/STRIKE]now 0. Loan 1 €[STRIKE]4885[/STRIKE] now 0. Loan 2 €29,590 now €0 as of 22/02/2016 Mgage €55000/ €23,639 at 01/02/18
Proud to be dealing with my debts - DFW Nerd 1209 Keep on keeping on folks DFD FEB 2016 MGE FREE 2024 (hopefully earlier)0
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