I need to be debt free !!

danilee2312

SO! i am new to here and not really sure what i am doing..
about 2 years ago i was very silly with credit and racked up a huge amount of debt. i have not alot to show for it as most of it was clothes and also a shiny new pram at £1100 :eek:
i have now managed to sort out what i owe and make a dent in it and get it cleared !!
this diary might waffle on a bit but i am aiming to be debt free within 18 months !!
the total i owe is :
£4445.69 next
£4,335.24 very
£2554.59 littlewoods
£766.06 woolworths
£2950 lloyds overdraft
£700 natwest overdraft
total = £15751.58 :eek::eek::eek::eek:

this will hopefully be a good way to write down all my spends and see where i am going wrong and where i am going right !

danilee2312

forgot to say , i started debt busting at the end of march with my total at £17000.

today has been a NSD , managed to get some washing on the line and make myself busy with kids. payday in 13 days, looking forward to paying a big chunk off !

mumstheword***

Good luck with your journey!!!! ��

danilee2312

thankyou mumstheword ! finally worked this site out on the laptop, will soon get the hang of it

danilee2312

day 2 of my diary feeling like i know what i am doing a bit more now !
had a good nights sleep which is always a bonus with young children , infact we are all still laid in bed now DH came home with free cake last night fom work which is always a bonus so he doesnt pig out when he gets home! today wont be a no spend day as we need electric and lunch stuff !
mum is coming over later with some new wellies for DD (she works in clarks ) and also some toys she picked up off facebook for free weather looks ok so will get a load put out

abba1772

Good luck in your debt busting journey this place is wonderful as we are all in the boat xx

danilee2312

Thank you abba1772. Can't wait for payday to pay off a chunk !

killerpeaty

Hi Danilee, is hubby on board with the debt busting? (I'm just nosey)

Good luck! I may not post much but I will be lurking and cheering you on.

danilee2312

Yes he is on board fully ! He gets about £40 in tips a week which he uses for elec / top up shops so I can use money in the bank to pay extra off

Spends today is £20 in co op for electric and lunch top ups for this week , mum came buy with new wellies for DD1 and a new play keyboard for them all to share so they've been singing all afternoon

theuphillstruggle

hey danielee! good luck with your journey! i started my own diary yesterday after lurking around reading everyone else's for the past few weeks. We have fairly similar goals, I need to clear £16,700 in the next 22 months! £759.09 a month....I just realised that sounds a lot, tried to break it into days...£55.29 per day for 22 months, not much better :rotfl: but it is £2.30 for every hour until then, that sound more manageable!

I am going to start by really cutting back, food, buying lunch at work, meals out, takeaways etc and then hopefully try think of ways to start bringing in a bit more cash!

anyway, just thought i would send a good luck message to you x

abba1772

danilee2312 wrote: »

Thank you abba1772. Can't wait for payday to pay off a chunk !

I'm the same hubby gets paid next Monday.........feels. Like it's been a really long month xx