Five years till I'm 50 - 60 months to get debt free!

newpennypincher

I don't know what's more frightening about the title of this new diary, the fact that it'll take at least 60 months to get debt free or the fact that I'll be 50 in 60 months :eek::eek::eek::eek:

Three and a half weeks before Christmas is hardly the best time to start a new debt free diary but I thought I'd try and beat the crowds and at least try to get myself into the right frame of mind. The truth is I'm fed up! BF and I both work really had yet there's never any money left for the fun things - all because we've been living beyond our means.

Its crunch time now, if I can't make serious inroads into this stupid debt next year, I'll have to sell my house and I love my home.

I should be at work today, but I'm off with a stomach bug which is making me feel extra sorry for myself :rotfl:

I'm not going to list my totals until after Christmas because unlike every other diary I've started, this time, once they've been listed, they will only be moving in a downward direction.

Things I've done so far to change my ways:-

1. Cutting down on my pressie shopping.
2. Making lists.
3. Planning Christmas menus.
4. No impulse buying.

I'm off to make a cup of tea now and snuggle up on the sofa, catching up on a few diaries x

beanielou

Happy shiny new diary
You can do this.
Hope you feel better soon.

LESLAMP

This is a great idea.

Whilst I am already 50 my Hubby isn't so maybe this is what we should be aiming for. Its a big ask for us but even if we can make a huge hole in the debt then it would make a great birthday pressie for him.

We have already made a dent in 2014 knocking nearly 4k off our total but we still have a way to go.

Good luck with you plan and will be watching to see how you get on. :beer:

newpennypincher

Thank you Beanielou and Leslamp. After countless tries I've finally realised that this is the point of no return - something's got to give!

I haven't moved off the sofa today, still feeling yukky

On the positive side, I've resurrected my Toluna account and completed three surveys. I've got a long way to go though, but if I manage one survey per day, I should be making inroads towards my first voucher before long

in_need_of_direction

You are truly committed if you are back with Toluna. I wish I could stick with it but I'm frequently sifted out and just get fed up.

newpennypincher

Morning! I'm still off work but slightly better this morning, thank goodness

At least while I've been home, I haven't spent anything. I did a few more surveys last night, but I've been screened out of two already this morning.

No Eb*y sales yet, but I've had a few questions - so fingers crossed!

Things to do today:-

1. Check my online banking.
2. Do a food audit and see what we have in the freezer.
3. Check the boards for any money off vouchers I can find.

I'll be back later with an update but first things first, time for a coffee methinks!

lcc86

I recently went through my freezer, it was amazing how many opened bags of chips and veg I found!

enthusiasticsaver

Haha yes I am living out of the freezer at the moment using up all the opened bags of veg etc, trays of meat etc.

newpennypincher

One day back at work done and dusted - bit of a struggle but at least I'm feeling better today :beer:

Not a lot to report really. Posted 5 parcels this lunchtime, so was Miss Unpopular in the PO queue. Only one sale today, and that's packed and ready to go.

I checked my online banking, no surprises there so far.

We ate out of the fridge this evening, we had bacon butties with brown fruity sauce - lovely

I've booked a home delivery slot with Mr T and Mr A for the week before Christmas and I've started to prepare a list of what I need to buy so I can hopefully avoid that expensive last minute panic.

There's plenty of food in the freezer so we should be ok for a few days without the need to shop.

I hope everyone else had a good day too x

newpennypincher

Good Morning - just a quick update now before I go to work.

Only one parcel to post today, so I won't be upsetting the locals in the Post Office this lunchtime :rotfl:

One thing is bugging me today about Eb*y. I checked my Seller Dashboard last night and had a look at my stars. Why do people leave you feedback like "brilliant" "excellent ebayer" "highly recommended" or "would use again" and then mark you down with 2 or 3 stars for "item not as described"? Why do people have to be so petty? They're obviously happy with their purchases going by the comments so why be so nasty just for the hell of it? I wouldn't do it! :mad:

Sorry, rant over :o

Should be an ok day at work today, boss is out all day so I can catch up on work that should have been done when I was ill. If I don't do it, nobody else does!!:o

I'd better go and put my face on - it takes longer and longer to fill in the cracks every day

Hope everyone has a good MSE day x

newpennypincher

I managed quite a thrifty day today and also managed to avoid buying a coffee this lunchtime..yay!

Feeling even more fed up with Eb*y tonight. I've just received a message about a garment I sold this week. It doesn't fit the buyer and he's accused me of washing the item and shrinking it, even though it was sold with tags still attached! I'm starting to wonder if its worth the bother if I'm honest.

I think I'm going to put my shop on holiday till after Christmas and start thinking of different options I'm so disillusioned with people