Debts, determination and my degree

nikki2002-2008

Ok a little about me I'm 36 with a dd 2 cats and I've decided I'm too old to be this much in debt. I was doing ok I was at uni doing my first year of my degree then the words I never ever wanted to hear came from my amazing mums mouth she had cancer. I felt my life fall apart and suddenly she needed me more than I could imagine. She now been given the all clear and I need to take control again.

Ok for the debt part:
Mum £6045
Dwp £710
O/d £2000
Loan £1500
Vc £290
Co £470
Hc £1020
Total £12033.19

That's scary to look but I will get rid of it.
Right the plan is to be debt free by this time next year so I need to pay £878.75 a month off and that's going to take some serious budgeting but I know I can do it if I keep strong. First that needs clearing is vc as the interest is high i plan to clear this on the 29th completely the od is interest free at the moment as its on my student account.
Meal plan this week:

Sat salmon pasta me crispy chicken hg potatoes sweetcorn dd

Sunday gammon hg potatoes hg salad

Monday left overs

Tuesday fish in parsley sauce mash peas

Wednesday veg and chicken korma with rice

Thursday leftovers

Friday hm pizza made with leftovers in the fridge

Ok that's enough ramblings for one day

nikki2002-2008

I've had a good sort out this afternoon I have enough cleaning products to last the rest of the year also enough toiletries to last as well. I've made two fruit tea loaves one has gone in the freezer and the other is for mine and dds lunches. I have found some spare change which has gone into a tub which I intend to put towards debts at the beginning of the month every little will help. I need to keep on track and remember what want which is to be debt free.

nikki2002-2008

Today will be a nsd and I've got an extra 4 days of work in august so september I should be able to throw the extra at my debts. The lady I work for said it'll be worth about £240 which I will give it to my mum. I will be pottering around the garden it needs a good weeding

nikki2002-2008

My first nsd today and got some work today so that should be £50 ish made today i need to keep earning and chipping away at the debt.

beanielou

Good news on first NSD

nikki2002-2008

Thank you beanie

Saved £1.46 on my shopping and got a 50p voucher off my next shop added the money to my jar also got a days work really looking forward to augusts payday so I can finally see my debt dropping rigt I'm off to make some banana and strawberry muffind

nikki2002-2008

Had a busy day decluttering I now have a huge box of items to sell at a carboot and my house is a lot less cluttered also have two loads of washing on the line. So here's to another nsd

nikki2002-2008

Sold pair of curtains on fb for £8 which has gone straight into my od account finally feel like im doing something the plan is to save all the bits of money I save in this account and then pay it over tomy mum everytime I have £50 so I'm not getting confused with how much I owe her. I have another days work Friday I really wish I could go fulltime over the holidays but I am good at what I do so I get quite a bit of work from other people

nikki2002-2008

My friend gave me the money she owed me tonight im going to keep it aside and keep paying debts off each month so i now have £26.17 to use at the end of the month im hoping to get it to a £50 total or at least the £43.19 to round off my mums debt. The vanquis card will be paid on the 29th so i dont need to throw any money at that. I feel bad about owing her so much i know she needs it. Im very proud of my little savings they mean more now as i have a plan and my lbm has deffinatly happened for me.

nikki2002-2008

Ive had a long hard look at where my money goes and dd pointed out i spend £3 a week just on drinks for work the new me is going to buy a large cheap bottle of pop and fill my water bottle up thatll be a £2.50 a week saving even more if i get extra work. My other love is coffee and i have 200 coffee pods so the old coffee maker has been dug out i wont need coffee for a good few months now. I need to use the things up i have and save what I would have spent.

mum2one

there sounds some good plans there, DD sounds like you have a little money saver in the making (soz if shes older).

have you thought of getting one of the keep warm cups, make a coffee and use it for the day. xx