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  • kittycatfan
    kittycatfan Posts: 210 Forumite
    Tenth Anniversary 100 Posts Combo Breaker
    Your are doing great wish i was as good as you lol
  • student-mum-2
    student-mum-2 Posts: 32 Forumite
    its hard going ... but ive been 'careful' and savvy since my first son was born 5 years ago but ive never saved enough in an emergency fund for those unexpected expenses etc. so we have been in and out of debt mainly in a small amount of debt for the last 3 years. and now im on the road to my second debt free challenge but this time hope to save up enough for emergencies so we don't get back into debt.


    had an eye test today ... ive got to wear glasses all the time now ... rather than some of the time. got some nice glasses to pick up next week though ... which was another expense but had the spare cash in the bank so didn't have to put it on the credit card like I would of done in the past. :)




    thank you for all your support so far :) please say hi if your reading ... I don't bite :) take care all. have a great weekend
    xmas £53.82/£500
    holiday £140/£600 emergency1 0/£1000
    £10 a day x 556 days = £5560 / £12.63 (after postage and fees)
    house fund £50000 + £10,000 fees + £10000 renovations
    emergency2 £5000

  • student-mum-2
    student-mum-2 Posts: 32 Forumite
    spending update : £200 (including glasses)
    Debt UPDATE

     catalogue all on BNPL (Breakdown below) total £869
    £130 0% interest free period ends 18/07/2014 PAID 22/06/14
    £295 0% interest free period ends 7/11/2014
    £444 0% interest free period ends 17/5/2015


    Credit card (currently 9.9%) £956.91 actual (22/06/2014)
    new balance (28/06/2014) £859


    Total Debt : £1825.91 (22/06/14)
    Total Debt : £1598.00 (28/06/14)
    xmas £53.82/£500
    holiday £140/£600 emergency1 0/£1000
    £10 a day x 556 days = £5560 / £12.63 (after postage and fees)
    house fund £50000 + £10,000 fees + £10000 renovations
    emergency2 £5000

  • student-mum-2
    student-mum-2 Posts: 32 Forumite
    NSD today :)


    just working out budget for the coming week :)
    xmas £53.82/£500
    holiday £140/£600 emergency1 0/£1000
    £10 a day x 556 days = £5560 / £12.63 (after postage and fees)
    house fund £50000 + £10,000 fees + £10000 renovations
    emergency2 £5000

  • student-mum-2
    student-mum-2 Posts: 32 Forumite
    quick update £120 paid off credit card

    Total Debt : £1478.00
    xmas £53.82/£500
    holiday £140/£600 emergency1 0/£1000
    £10 a day x 556 days = £5560 / £12.63 (after postage and fees)
    house fund £50000 + £10,000 fees + £10000 renovations
    emergency2 £5000

  • in_need_of_direction
    in_need_of_direction Posts: 7,696 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hiya, just had a quick read. You're doing really well. Maybe you should think about reducing what you're aiming for in Christmas savings given that you already have a clatter of things bought in the sale.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • student-mum-2
    student-mum-2 Posts: 32 Forumite
    Quick update for everyone
    Have had a few NSD's
    Should come in at £200 or less for food shopping this month
    Payed some more off credit card
    Been listing on ebay so hopefully will get some sales
    xmas £53.82/£500
    holiday £140/£600 emergency1 0/£1000
    £10 a day x 556 days = £5560 / £12.63 (after postage and fees)
    house fund £50000 + £10,000 fees + £10000 renovations
    emergency2 £5000

  • student-mum-2
    student-mum-2 Posts: 32 Forumite
    hi everyone. wow i just realised i havent posted for nearly a month. alot has changed . our debt is more i think due to unexpexted expenses which included dp's motorbike (which he needs to get to college) needing some expensive repairs .... its just becoming a nightmare.... i try and live as frugal as possible and yet we are still struggling.

    i will update on the debt later,

    im in the middle of working out a realistic budget until the end of next yr and hopefully we can get some savings and pay the debts off :(
    xmas £53.82/£500
    holiday £140/£600 emergency1 0/£1000
    £10 a day x 556 days = £5560 / £12.63 (after postage and fees)
    house fund £50000 + £10,000 fees + £10000 renovations
    emergency2 £5000

  • student-mum
    student-mum Posts: 9 Forumite
    managed to get on with my original login :)

    quick update
    Total Debt : £1598.00 (28/06/14)
    total debt : £1300 (26/08/14) (will update with actual figure when kids are in bed)

    im shocked it has decreased as we have had lots of unexpected but expensive expenses lately
    Total Debt £1700 *** grocery challenge 1-30 sept £0/£368
    make £10 a day 1st sept 2014 -31st dec 2015 £0/£4870
    emergency1 £0/£1000
    emergency pot 2 £0/£5000
    Forever Home Fund £0/£70,000 (by July 2025) (£135pwk)
    wedding fund £0/£10,000 (by Dec 2016)(£42pwk)
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