A new start

snippy

Hi everyone , feeling a bit better today than yesterday i have a lovely hubby and 2 wonderful children both got good jobs but sadly we got ourselves into a mess with our money .
We have a BIG loan that's got another 2 years to pay which is like us paying 2 mortgages , we also have the credit cards which once that loan is paid off we hope to get another one to cover them and we're going to pay of the car and next bill early next year when my hubby gets his bonus normally we use it for a holiday but no more !!
We're both in our early forties so really want to be totally debt free by the time we are 50 , It is and still going to be a long hard slog but will be worth it eventually
I budget our money the best we can with 2 children £50 per week is my strict food budget and i only leave £10 in my purse for basic essentials very difficult when we have Christmas coming up and no spare cash already decided our children get one main present and stocking fillers that's all they are both teenagers do they do understan
we akso just buy for children in our family have done for years but i will be cutting down on them as well .
Been looking at this site for a long time and feel ready to start posting as i'm feeling so determined to have a better life and stop worrying every day

Money_mayhem

Good luck wih your debt free journey. I'll be subscribing to keep an eye on your progress. It may be useful to post a Statment of Affairs, usually lots of good advice is offered up.

Best of luck.

Mm

snippy

Thanks Mm really motivated to do this and hubby just phoned to say there's an extra £20 left from month might not seem a lot but it sure does help

snippy

Debt
Loan was 24,000 next payment will be under 12,000
B/card 5, 000
next 1,500 to be paid of Feb 15
Car loan 2,000 paid of march 15
hubbys C/card 5, 000
Already teaching my children never get what you can't afford wish i had listened

snippy

Great just found out we need 2 new tyres for the car really don't know where the money will come from but we will have to find it from somewhere
Saved money today baking chocolate cookies instead of buying them using all the stuff i already had in the cupboard and hubby says it's the best I've baked ever

Aloofdragon

Awww gutting when that happens eh find a penny spend a fiver x Good luck on your new start and WOW to the loan repayments that's massive x

snippy

Good morning
It's a lovely Autumn day here in Scotland
now looking for something to do with my son that doesn't cost anything as it's October holidays up here and I'm not staying in just because i have no money as i will just sit and worry !!

snippy

Well had a lovely afternoon we went to our lovely park and collected conkers and skimmed stones in the river and i didn't spend a penny It's a good feeling x

snippy

Hi just me again !!
I have decided to go and make my son a Halloween costume as i don't have a spare £15 or £20 to pay for one it's getting ridiculous how much they are like everything so commercialized .
Wish me luck never made anything like this before

macpumpkin

Good luck on the Halloween costume. I have started my Christmas shopping as we are moving cities again at the start of December. I buy for my friend's children and have decided that they are all getting Christmas pyjamas this year. Mothercare have them at 2 pairs for £10 and so I bought all the children the reindeer ones! I also used T8pcashback and so got cashback on my purchases using a cashback credit card so it works out even cheaper.




I don't know how near you live to Edinburgh but The National Museum of Scotland is free and the racing car simulator is amazing, I'm sure your son would love it. There is also a spelling mistake on one of the signs so my challenge to you is to find it...

snippy

Thanks that sounds good about the pyjamas
delighted the Halloween costume workec and has not cost me anything

I have been to the museum quite a few times and we love it but i would have to spend extra money on petrol so sadly we'll not be going just now

Just so determined to get out of this debt as quickly as possible i think i will feel a bit better when back to work next week as much as i love being on holiday with the kids i do feel under more pressure and missing my tips i make at work they can give me an extra £20 ish per week which i'm planning to put them away for the debt instead of in my purse x