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This time I will grip onto the wagon and not fall off again

the.new.me
the.new.me Posts: 195 Forumite
in Debt free diaries
Well as the title says I come here with all these really good intentions of becoming debt free then I fall off the wagon time and time again. This time I have a seat belt and harness firmly attached so I am determined this will be the last time of falling off.

Debts will be in my signature and I am going to start the following for the next year starting 29th December when I get back off my holiday:

Meal plan: this will be done every 4 weeks and put on the fridge before the start of the new month.
Only shop once a week: I go in for one thing and feel like I've bought the whole shop, no more of this.
Start baking more: I am going to start making cakes fortnightly again and freeze some, it'll save gas and money.
Pay off debts: any spare money will be thrown at my debts and get them down asap.
Start a housework rota: this is something I really need to do and stick to it.
e more organised at uni: do my homework the night I get it and stop rushing last minute.

Right that's about it for now but this time I WILL NOT fail.
Saving for Xmas 2015 #84 £163.00 ~ £365
SPC 2015 # 43 (£340.28) banked + (£3.86) in SP £344.14 Total ~ £500
NSD J 19/19 F 7/10
Lunches to Uni F 6/16
Loan: [STRIKE]£2000[/STRIKE] £1000 50% paid, Mum [STRIKE]£7800[/STRIKE] £4900 33.7% paid, [STRIKE]CC £200 [/STRIKE] PAID ,[STRIKE] DWP £740.16[/STRIKE] £544.16 26.5% PAID, Over draft £2000 Total [STRIKE]£12740[/STRIKE] £8444.16 33.7% paid
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Comments

  • the.new.me
    the.new.me Posts: 195 Forumite
    edited 12 December 2014 at 7:15PM
    This post will be my update post.

    Plans for debts are:
    Mum 5th January - £200
    12th January - £2600
    6th April - £2500
    5th October - £2500
    Then should be paid
    Loan 12th January - £500
    6th April - £500
    Then should be paid
    DWP £20 minimum payment from December 2014 to October 2015
    £220 paid £520 to be paid 5th October
    Over draft 5th October - £2000
    Then should be paid
    Saving for Xmas 2015 #84 £163.00 ~ £365
    SPC 2015 # 43 (£340.28) banked + (£3.86) in SP £344.14 Total ~ £500
    NSD J 19/19 F 7/10
    Lunches to Uni F 6/16
    Loan: [STRIKE]£2000[/STRIKE] £1000 50% paid, Mum [STRIKE]£7800[/STRIKE] £4900 33.7% paid, [STRIKE]CC £200 [/STRIKE] PAID ,[STRIKE] DWP £740.16[/STRIKE] £544.16 26.5% PAID, Over draft £2000 Total [STRIKE]£12740[/STRIKE] £8444.16 33.7% paid
  • the.new.me
    the.new.me Posts: 195 Forumite
    Oh forgot the most important thing I paid the CC off in full today so here i go one debt at a time :)
    Saving for Xmas 2015 #84 £163.00 ~ £365
    SPC 2015 # 43 (£340.28) banked + (£3.86) in SP £344.14 Total ~ £500
    NSD J 19/19 F 7/10
    Lunches to Uni F 6/16
    Loan: [STRIKE]£2000[/STRIKE] £1000 50% paid, Mum [STRIKE]£7800[/STRIKE] £4900 33.7% paid, [STRIKE]CC £200 [/STRIKE] PAID ,[STRIKE] DWP £740.16[/STRIKE] £544.16 26.5% PAID, Over draft £2000 Total [STRIKE]£12740[/STRIKE] £8444.16 33.7% paid
  • beanielou
    beanielou Posts: 96,612 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy shiny new diary :)
    Enjoy your holiday.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • chevalier
    chevalier Posts: 7,937 Forumite
    Part of the Furniture Combo Breaker
    good luck with your journey
    I want a job that is less than an hour driving away from my house! Are you listening universe?
  • the.new.me
    the.new.me Posts: 195 Forumite
    Thank you both :)

    Well today I spent ages finding the best exchange rate for my holiday money and now I'm all set to go hopefully I can come back refreshed and ready to go. I need this I feel like I'm running on empty at the moment.
    Saving for Xmas 2015 #84 £163.00 ~ £365
    SPC 2015 # 43 (£340.28) banked + (£3.86) in SP £344.14 Total ~ £500
    NSD J 19/19 F 7/10
    Lunches to Uni F 6/16
    Loan: [STRIKE]£2000[/STRIKE] £1000 50% paid, Mum [STRIKE]£7800[/STRIKE] £4900 33.7% paid, [STRIKE]CC £200 [/STRIKE] PAID ,[STRIKE] DWP £740.16[/STRIKE] £544.16 26.5% PAID, Over draft £2000 Total [STRIKE]£12740[/STRIKE] £8444.16 33.7% paid
  • the.new.me
    the.new.me Posts: 195 Forumite
    Today is MOT and how did I ever think it would just sail through all happily with no problems? My car I swear has a devil inside it laughing at me I have spent so much on it in the last year it's ridiculous but lets hope this is it now.

    Well onwards I have joined two challenges and I am going to try and stick to them and make small payments towards each, the SPC is going to be used for my years tax next December and the xmas 2015 is going to be used for Christmas presents/treats. It will be nice to know its all saved ready for payments and I will know its not going to put me any more debts.
    Saving for Xmas 2015 #84 £163.00 ~ £365
    SPC 2015 # 43 (£340.28) banked + (£3.86) in SP £344.14 Total ~ £500
    NSD J 19/19 F 7/10
    Lunches to Uni F 6/16
    Loan: [STRIKE]£2000[/STRIKE] £1000 50% paid, Mum [STRIKE]£7800[/STRIKE] £4900 33.7% paid, [STRIKE]CC £200 [/STRIKE] PAID ,[STRIKE] DWP £740.16[/STRIKE] £544.16 26.5% PAID, Over draft £2000 Total [STRIKE]£12740[/STRIKE] £8444.16 33.7% paid
  • the.new.me
    the.new.me Posts: 195 Forumite
    I have set up savings goals on my bank I didn't even know I could do that so I know if I'm on track for the things I aiming to save for. I am going to set all my targets for my non bill spending on the money manager system on there later today so I can really keep track of my money once and for all then any extra can either go in the savings pots or to debts. I am quite lucky that non of my debt has any added interest now my CC has been paid.
    Saving for Xmas 2015 #84 £163.00 ~ £365
    SPC 2015 # 43 (£340.28) banked + (£3.86) in SP £344.14 Total ~ £500
    NSD J 19/19 F 7/10
    Lunches to Uni F 6/16
    Loan: [STRIKE]£2000[/STRIKE] £1000 50% paid, Mum [STRIKE]£7800[/STRIKE] £4900 33.7% paid, [STRIKE]CC £200 [/STRIKE] PAID ,[STRIKE] DWP £740.16[/STRIKE] £544.16 26.5% PAID, Over draft £2000 Total [STRIKE]£12740[/STRIKE] £8444.16 33.7% paid
  • the.new.me
    the.new.me Posts: 195 Forumite
    this week me and DD have had some strange dinners as I have been trying to use up all the food that will go off while we are away. I was just making sure everything was used when I realised had loads of potatoes left so in true SME style I have boiled all of them and made mash potato and portioned it up and froze the lot. I have 7 meals worth of potatoes now that would have been wasted.

    I have earned some extra money today by putting up flat pack bedroom set for my neighbour who couldn't do it themselves. It was fun I am the strange breed that loves building furniture lol.
    Saving for Xmas 2015 #84 £163.00 ~ £365
    SPC 2015 # 43 (£340.28) banked + (£3.86) in SP £344.14 Total ~ £500
    NSD J 19/19 F 7/10
    Lunches to Uni F 6/16
    Loan: [STRIKE]£2000[/STRIKE] £1000 50% paid, Mum [STRIKE]£7800[/STRIKE] £4900 33.7% paid, [STRIKE]CC £200 [/STRIKE] PAID ,[STRIKE] DWP £740.16[/STRIKE] £544.16 26.5% PAID, Over draft £2000 Total [STRIKE]£12740[/STRIKE] £8444.16 33.7% paid
  • the.new.me
    the.new.me Posts: 195 Forumite
    I have sat and worked all my budget out today and I should be debt free by November 2015 :eek: that seems such a long way away right now but in the scheme of things it's a small amount of time.

    I leave for America on Sunday which I felt guilty booking but my mum told us to go and enjoy it as my daughter has looked after mum through cancer for 9 months but the guilt does hit me a lot. I have printed off lots of vouchers for food places over there so I should have money to come back with.

    I have planned all my food and meals out on a four week rota so i will know what needs to be taken out of the freezer when. I am going to plough through the debt this time.
    Saving for Xmas 2015 #84 £163.00 ~ £365
    SPC 2015 # 43 (£340.28) banked + (£3.86) in SP £344.14 Total ~ £500
    NSD J 19/19 F 7/10
    Lunches to Uni F 6/16
    Loan: [STRIKE]£2000[/STRIKE] £1000 50% paid, Mum [STRIKE]£7800[/STRIKE] £4900 33.7% paid, [STRIKE]CC £200 [/STRIKE] PAID ,[STRIKE] DWP £740.16[/STRIKE] £544.16 26.5% PAID, Over draft £2000 Total [STRIKE]£12740[/STRIKE] £8444.16 33.7% paid
  • the.new.me
    the.new.me Posts: 195 Forumite
    £20 paid off DWP today so that's me almost up to 2% paid off little steps at a time. I feels good to finally be paying my debt off and each little bit adds up.

    i can't wait for my holiday tomorrow then I will be focusing fully on debt bust and the SPC and £1 Xmas challenge. Well this will be it for two weeks but this time I will be back and I will be become debt free.
    Saving for Xmas 2015 #84 £163.00 ~ £365
    SPC 2015 # 43 (£340.28) banked + (£3.86) in SP £344.14 Total ~ £500
    NSD J 19/19 F 7/10
    Lunches to Uni F 6/16
    Loan: [STRIKE]£2000[/STRIKE] £1000 50% paid, Mum [STRIKE]£7800[/STRIKE] £4900 33.7% paid, [STRIKE]CC £200 [/STRIKE] PAID ,[STRIKE] DWP £740.16[/STRIKE] £544.16 26.5% PAID, Over draft £2000 Total [STRIKE]£12740[/STRIKE] £8444.16 33.7% paid
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