This is it *ping* lightbulb!!!

kindofagilr

£13.70 made on ebay tonight yay xx

kindofagilr

Ok I've just done the snowball again, I was getting low cos we've really not attacked this as well as I had hoped.

I snowballed everything except the overdraft (I don't know why I didn't add that in) and the loan (as that is sitting at 0% forever so seemed pointless as that will be the last one we attack)

And if we can overpay £80 a month then all the CC's and store card will be gone in 45 months, so 3 years and 9 months.

What I have decided to do now is add a line into my bills spreadsheet and put the £80 on it and tell myself that that is a bill just like the others that has to be paid, the last few months we've had more than £80 excess and and have just squandered it, so as soon as our pay hits then that is going to get paid like a bill, and if we have more than £80 I will try my hardest for us not to waste it and use that as well.

I usually do my shopping at asda as they have £1 delivery slots and online ordering and sticking to our meal plan for the week has really been working out for us, then I started thinking about ordering through tesco instead and getting clubcard points, I don't know much about clubcard points or if tesco are expensive though so I need to look into that

Anyway onwards and debt free we go xx

kindofagilr

Just saw on a frugal fb group I'm on that everyone is getting a £12 electricity rebate this October and next October great that's two free weeks of electric

kindofagilr

Today has been a good day

OH has been doing some extra work and got paid £100 for it today with more coming soon.

And his boss came to see him yesterday to ask if he would be interested in doing a new job for half of his week, so it's been decided that 2.5 days of the week he will do his normal job then the other 2.5 days he will do this new job which is 2 payscales higher than his current job so that's great news

And my son just finished his first term of swimming lessons and got his first award (there were some very jealous mam's there who's children have been going longer saying to me "my son hasn't had an award yet how come yours has??) I guess I better get used to competitive mam's!! Xx

kindofagilr

Just requested £52.50 of funds from topcashback, this will go towards Christmas present, I'm still waiting on £50 on quidco for car insurance it's still not available from April!! I've had messages from quidco to say it has been confirmed and I will be getting it, I hope I get it before Christmas!! Xx

CAFCGirl

WOW thats all awesome!
Well done you xx

midlander81

Just read through your diary entries and though I would post to say good luck!


Your debt level is similar to ours and I can relate to a lot of what you have said, especially the feelings of sadness etc. Hopefully this site is making you feel more positive. I know that it has totally changed the way I think about my debts.


let support each other through this

kindofagilr

Thanks midlander

I hope you are doing well do you have a diary? I will have a look and subscribe

Bought some Christmas presents today, need one more thing for my son then that's the kids done and I've bought half of my nephews, I'm going make gift baskets for the older relatives, me and OH are just asking for money off people cos we need new tyres on the car and the exhaust may be on it's way out, bit naff but hey ho lol needs must xx

kindofagilr

Also I'm very pleased that this year for th first time in as long as I can rememner we have managed to save for Christmas and not put it on credit cards xx

kindofagilr

Hey guys, sorry ive been so quiet.

I'm still here were still plodding along nothing massive to report, gonna push even harder come the new year, right now I'm just concentrating on Christmas xx