The Ultimate Incentive Part 11 (or 10B) It's The Final Countdown

Dinah93

I joked in my last diary it was the last one in debt, unless we nattered too much and then it was 10B. Well we didn't natter that much but I did have a surprise in the form of a second baby which took the wind out of the debt clearing sails somewhat. Finally, at 7 months old today, and 4 months home from hospital tomorrow I feel with it enough to work out where our debts stand.

January 2015 we owe £13,391.77. To clear it in 2015 is a big ask but I'd like to take a good shot. To break it down into more manageable chunks that means clearing £1116 a month (well £1115.98 but lets aim high!) so threadies, lurkers and anyone new who would like to come along for the ride, please cheer, check in and generally don't let me pootle anymore. It's time to clear this and let real life begin.

Birdie85

Hello! :wave: I really hope you guys can get this debt cleared once and for all this year! It's a big challenge, but you've done so well in the past, I just know you can do it!

ruby_eskimo

I echo Birdie, you've had some big challenges in the past and you've come through them so there's no reason why you can't give this one a jolly good go (why have I gone all PG Woodhouse all of a sudden?)

Dinah93

My dad taught Grace to use the word 'spiffing' in general conversation the other week. Cracks me up every time

Dinah93

Just realised we actually owe an additional £1280. It's 0% and £160 comes out every month to cover it. 8 payments left.

clearmydebts

I'm wholeheartedly with you on this challenge. I want to get rid of my debt and let life really begin too. I know how hard it is with 2 smallies to get anything done. But I think this is my year, and yours too Dinah.

We'll get there!!!!

Birdie85

Aww Gracie saying things are spiffing sounds too cute!

Just thinking about your lack of time etc, can you apply some FlyLady techniques to getting stuff done? Or set a timer for x amount of minutes to get as much of your ebay pile listed? Breaking things down into lots of little jobs that can be done throughout the day and (hopefully) worked around nap times and baby/toddler entertaining each other times might be helpful.

MagicCat

Hi Dinah,

Long-time reader, just delurking to say best of luck with everything - it is an ambitious target, but knowing how amazingly you've hit targets in the past you can do it!

N.I.M

Birdie I WISH our kids would entertain each other. We kind of ruined Grace with huge amounts of constant attention when she was younger, now she wants mama and daddy to notice her ALL the time unless shes distracted by TV.

Dinah93

Not strictly true. She amused herself for a good ten minutes in the playroom yesterday. She returned to us looking like this:



Nice to meet you MagicCat

Grace often doesn't nap anymore, so 7am until 8pm is 100% focussed, Ben goes down at about 8.30... by which point starting Ebaying feels like a herculean feat. Only hope I have is when she's at nursery, I currently clean, tidy, iron and try to get work done for dad in those hours and I still struggle to keep up, something magical needs to change. I guess I could ebay one handed on my phone while feeding Ben, make use of sitting down time. Supermum to the rescue!

clearmydebts

N.I.M wrote: »

Birdie I WISH our kids would entertain each other. We kind of ruined Grace with huge amounts of constant attention when she was younger, now she wants mama and daddy to notice her ALL the time unless shes distracted by TV.

They will eventually entertain each other. It's much easier for me to get stuff done when I have the 2 of them. If it is just Evie on her own she wants my undivided attention!