Getting my bum in gear. Ranting redhead ALERT!!

10yearstoclear · 28 February 2015 at 7:55AM

Well helloooooooo :beer:

Guess I should introduce myself. I'm K and I'm far too close to 30 to even THINK about it :eek:

Got me a cool dude 12 year old DS. He's ace but high school is really testing my patience all over again haha. Woke up at 5 this morning, thought I was being robbed. Turns out DS had been up all night playing playstation and was STILL UP :mad:

Broke up with my fianc! about 4 years ago. That's when the money became an issue. Mortgage solely in my name which is a godsend really but halving the income while doubling most bills was a nightmare.

Defaulted on a lot of stuff, really struggled but now I've managed to get finances under control. I'm now earning enough to cover what needs to be covered and finished a loan last year which really helped! To be fair I'm just stupidly lazy. I think about looking at finances but previously just lived month to month and couldn't be bothered making any changes. I've got direct debits I don't even know what for!!

Now that's all done, I wanna kick some serious debt rear end.
Only got 3 things really. Credit card of about a grand, store card of about the same and my mortgage.

Oh and an overdraft. A 500 overdraft I'm in and tasting the bottom of the darn barrel literally every month

I'm giving myself a year to pay the 2 cards and then it's mortgage time.

Keeping a cheeky diary is for my own benefit really but if you pop in, why not pop your feet up, have a cuppie (or a wine!!) and say hi!

The more I know people are keeping an eye the more motivated I will be!

Anyway, I'm off to gander at some challenges. See what I've got myself into :-)

Today's goal... DO NOT GO TO SUPERMARKET AND SPEND TWENTY QUID ON FOOD YOU DONT NEED JUST "BECAUSE ITS THE WEEKEND"

10yearstoclear · 28 February 2015 at 8:54AM

Sealed pot challenge ... Accepted!! That's my overdraft sorted if all goes well :-)

SOA is done. Apparently I've got lots of money left over, I wonder where that actually is. Perhaps DS has a secret basement full of pound coins that he swims in, laughing gloriously??
More likely I spend with zero brain cells activated.

On a positive note, I don't necessarily need to increase my earnings (would be nice though hehe) to start clearing some of this nonsense. Found another store card I haven't used in years but am still paying minimum payment on. Went from 3 debts to 5 in about half an hour.

* must organise life in some way