IA's 'Does my bum look big in this Debt?' Diary

immoral_angeluk

:t :t :t :t :t :t :t

immoral_angeluk

The - pay everything off by the end of the year except the car unless something comes up and bites us in the bum and stops us saving as much as we originally planned - plan

Tax Credits
19 weeks x £22 a week saved = £418

Child benefit
5 x £120.80 = £604

Wages
5 x £91 leftover after bills = £455

= £1477
+ £85.77 in savings right now.
=1562.77

Debt as of today... £1773.59
Meaning £210.82 to make up through ebay, etc.

It is possible and if we save just an extra £10 a week we would end up only needing to find £30 BUT obviously this is all dependant on how much we can actually save and if anything else comes up... not even going to think about christmas!!! :eek:
Hmmmmmmm...:think:

Lucy1982_2

You can do it!! You are far more organised that I am. Once I've worked out this month's OD I think I might need some tips!!!

How do you stick to your budgets?!?

Fortheloveofmoney

Hi IA

I just wanted to say hi. I'm new around here (joined today) but have been lurking for ages.

Your thread is always the first I read, I love it!

You've done well!!

immoral_angeluk

Lucy1982 wrote: »

How do you stick to your budgets?!?

uh...... god knows! lol!

immoral_angeluk

Fortheloveofmoney wrote: »

Hi IA

I just wanted to say hi. I'm new around here (joined today) but have been lurking for ages.

Your thread is always the first I read, I love it!

You've done well!!

Aww thank you!

Lucy1982_2

immoral_angeluk wrote: »

uh...... god knows! lol!

I was hoping for some flash of inspiration then!!! Ah well back to the drawing board.

earwig

ia how do you live day today with no money i spend about 5 per day on bread milk stuff for kids ect what do you do how do you manage not to spend daily

immoral_angeluk

Now... the plan is set out.. so how the hell are we going to do it??? lol...
Currently this is how we're splitting up the tax credits..

£102
food £50
petrol £10
Ste £10
saved £32

so in theory we could easily do it if nothing else came up.... but between now and 31st dec we have..
Blackpool meet up
MIL's birthday
Ste's birthday
2 friend's birthdays
CHRISTMAS :eek:

My first thought was that we could cut the food budget down to £40.... but how we'll do that I don't know... HANG ON..... internet shopping!!!! Plus I can go through quidco! lol! Then I can see exactly how much everything is coming to and meal plan and I wouldn't even have to leave the house.. LOL. It'll save petrol AND time.... then if I can get a free delivery code.... hmmm...... so if we could save £42 a week that would come to £798 which would bring the total by 31st december to £1857 meaning we could have everything paid off PLUS extra..... then you got ebay, quidco, etc....


hmmmmm....... :think:

immoral_angeluk

earwig wrote: »

ia how do you live day today with no money i spend about 5 per day on bread milk stuff for kids ect what do you do how do you manage not to spend daily

Well I don't go anywhere to spend money. Ste goes to work and gets £10 a week but whatever he doesn't spend rolls over to the next week and if we need bread milk etc he gets it out of his money.
If it comes to it where we need something desperately but literally have no money we'll use the savings. But that will only be if it's absolutely essential.