Lunars Debt Free Journy!!!

lunar

Do you have a DFW diary trying, im finding its really motivating me with my debt free date so far away.

MissKJ

Lunar,

Why are you keeping back £100 per month? While you are in right frame of mind, put the full amount into the snowball calculator, you can increase your payments by 33%. Then you have incentive to make extra cash with shifts or selling stuff to make sure all your £300 goes off your balance. Don't forget, wages go up each year, your balance comes down and it all gets easier.
(I am new at this aswell, so that's what I am telling myself)

ltm07

lunar wrote: »

Trying,

im going to go out shopping tomorrow, i will make out a list tonight and stick to it. I am also going to replace the expensive brand names i usually buy with the shops own, im sure i wont even notice the difference in taste.

Hi Lunar,this is exactly what we did when we felt our shopping bill was way too high. Nearly everything we buy now is Asda's own brand & the savings we have made are amazing. Most things cost half the price of top brands & taste just as good. Also it is worth trying some economy brands,there will probably be some things that you don't enjoy,but other things that you won't notice the difference with. Good luck.

lunar

I was keeping back the £100 as i feel guilty that my OH is paying fof so much, he pays all the house bills the rent and is saving for a deposit for a house for us in a few years. He is so good with money, I only pay £150 towards our living expences plus the car (which i cant change for 2 years). I thought i would keep the £100 back and then I can pay for food and petrol. Anything I dont use I will pay off at the end of the month

My OH is so supportive, I told him about my debt when we talked about moving in together, and he was so good about it. He took the car out earlier and has put £40 petrol in for me! this will last at least a month.

lunar

Itm, i didnt notice that morrisons were doing any economy brands, i may have missed them though. Im going to try out other spermarkets over the next few weeks and see where is cheaper. I will check out the economy brands then.

FrugalJo

Hi Lunar
Just wanted to say well done so far. I'm in a similar situation ie same amount and DFD of 2012ish.
Will follow your diary with interest.

I did a similar thing at Morrisons last week had £25 cash - no cards and spent £24.83, however didn't catch many useful BOGOFS. Best bargain was a sack of potatoes for £2.49 classed as seconds but much better quality than local farm shop, and cheaper too.

Tescos/Somerfields seems to be best value for my lot, however I always spend less shopping online.

lunar

FrugalJo

This just shows how bad my spending really was, I was nervous taking £60 out shopping when i had no cards as backup! There are only two of us in our house and ive only just realised how bad my spending habbits have been.

lunar

I intend to have a nospend day today, this will be a real challeng as i have to go to the bank and its right next to boots which is my weakness. Im also going to pay £100 off my barclay card.

I will be strong!!!

lunar

Sticking to the money and food diet today, hope you fellow dieters are doing the same. I am really pleased to have payed an extra £100 off my bc today, my new aim is to get rid of it by christmas. The balance is 1880 so it will be a real challenge.

I have sent messages to all 3 cc companies requesting lower interest rates, not sure if it will work but i thought it would be worth a go.

I also found out today that I have got the agency job i applied for, i just need to wait for my CRB to come back.

Even though my snowball date is 2012, i want to get my debt free date before my 30th birthday, which is in 2010. If i can work lots of extra shifts then i should be able to achieve this. Im feeling really positive about things today, just need to avoid boots this afternoon!

FrugalJo

lunar wrote: »

FrugalJo

This just shows how bad my spending really was, I was nervous taking £60 out shopping when i had no cards as backup! There are only two of us in our house and ive only just realised how bad my spending habbits have been.

Oh yes, heart in mouth at the checkout just in case I didn't have enough cash ! Good training though.

Congrats on the job too :T .

My weakness is Superdrug, soo many BOGOFS ..so little money .