Little steps to be debt free

Steerpike88

Congrats on the promo! and esp for baby 2.
you're doing so well.
subscribed.

lav1979

Hi all - Thank you both for popping by

Today back is feeling better though getting in and out the car an interesting experience !!!!

16 week check with midwife all well Hubbie treated my to a mcds coffee - I know romance not dead.

New phone charger 9 pounds but so needed especially with my darling dad in hospital but on the mend. The joy of social services, the wheels turn so slowing.

Lots of washing done, beautiful day here in Liverpool. I also brought some maternity jeans and two tops for 19 pounds first maternity clothes this time round !!!

Ebay paid so ready to post in the morning - 5.50 but all adds up nearly a fiver after fees.

Chicken curry rice and oven chips for tea. YUM x

Have a relaxing evening

lav1979

Missing in action again - no excuse just real life getting in the way.

First scores - starting point of 5931.82 down to 4816.10 so have paid off over 1000 pounds and interest free. Also brought a new car which has hindered the debt repayment but a necessity not a want . The debt is down which is the main thing.


Christmas 90% done without adding to cards - just food - though have a box of non perishables on the go exciting things like loo roll bin bags etc. Have done 99% of christmas shopping online and haven't paid full price for anything so the retailers tell me!!!! as nearly 28 weeks pregnant - it is my idea of hell fighting the crowds.

I'm hoping to knock off another 200 pounds of the debt by christmas day - to get it to 4600 ish mark.

Mat leave looms in Feb so payments will be the minimal plus any extras. I do have savings which would reduce the debt by a 1/3 but it is interest free. And i'm a believer in having an emergency fund so I am comfortable with the decision to leave it where it is.

Did get back pay this month though didn't feel it after paying 750 in tax alone may get a rebate who knows ?? Still waiting for 6 months of part time secondment pay promised will be paid on the 19th. Not holding my breath.

Midwife appt tomorrow will get mat B 1 form so can sort out mat leave been holding off till I was getting paid properly .

Have been lurking on diaries and reading but hope this finds you all well xx

lav1979

Sneaks back in scores on the door debt now 5890 all 0% creeping up no excuses just over spending in and out of hospital with diabetes and high bp with this pregnancy - officially on mat leave from 9/2/15 and induced on the 12th xx So need to get a grip !!!!!

1. Top cash back have paid so in 18 months give or take 253 pounds gained in drips and drabs - so one to continue

2. Think will get tax rebate from when being paid the correct wages from work - Ring tax office April time

3. Switched mortgage - so saving 36.65 a month

4. 100 pounds already banked in vouchers with Park So xmas 2016 underway.

5. 17 pounds odd in sealed tin - ? think for xmas food

6. Need to get back to Ebay a PITA but does help with PAD and therefore motivation

7. Another emergency fund commenced - Totally with Elaine mortgage free in 3 fame on this - have saved us when washing machine etc have died so aim 500 in this before end of year.

Hope this finds you all well xx

lav1979

Wanders in
Beautiful baby boy born 13.2.15
all well
however debt not - major car issues - could cry !!!

DEBT NOW 8241.63

All on 0% min payments being made on mat leave so juggling money

Hope this finds you well xx

lav1979

Emergency fund now 3.69 aim again for 500 every Sunday will round the current account down

Penny Jar now 3.28 - going to use for Christmas food as per original plan and will take any loose change from purse.

Hopefully these will build up very slowly but will make an impact not necessarily on debt reduction but my peace of mind.

Dobbibill

lav1979 wrote: »

Wanders in
Beautiful baby boy born 13.2.15
all well

Congrats lav

lav1979

Thank you Dobbibill - Hope this finds you well and have you got a diary ?.

On Wednesday spends 1.40 on ice lolly for DD and 62.22 on food.

Yesterday £5 spends on window cleaner. Lawn mower in repair shop as the string pull thing snapped DH can't fix it so waiting for quote and I have a half cut lawn!!!!!!!

Today DD wants to go back to the park - so think an ice cream will be brought and more ducks to be fed.

Projected spends for the weekend -
£6 on DD dance class
£10 on bark to tidy garden up
£10 on shopping need milk, bread,washing up liquid,bleach so far

Veggie soup in slow cooker for lunch

Penny Jar now £3.71

lav1979

will update spends later

Need to list a few bits on Ebay for Sunday start
Ironing !!!!
Get DH a box out of the loft to sort shred and bin

lav1979

Penny Jar now 5.31

Lawn mower fixed - 25 pounds now the dishwasher stopped working but under warranty needs a new motor awaiting phone call when this will be.

Lovely weather here so lots of time in garden and washing galore. Spends yesterday 10 pounds on 3 bags of compost - spuds now in !!!

17 pounds today - baby milk, fruit cous cous and cheesecake DSD coming for tea. oh 5 pounds also if the window cleaner turns up for his money.

Shredding ongoing - then into compost.
Ironing in shock actually up to date
No new listings on ebay must do this - sat or sun

On count down to payday which is the 29th

Sent off the relevant forms for child benefit for DS so hope to hear back soon and money back dated.