Debt free before 30.. can I do it?

SunshineBecks

Right this is the start of the new me, new beginnings and becoming debt free. I am determined to sort myself out financially before the big 30- only 3 short years away! I guess I have had my LBM, I start a new job in two weeks so it feels like a fresh start.

As of today my debts are as follows:
Halifax CC: 4570
Aqua CC: £300
TSB overdraft: £100
Santander overdraft: £500
Brother: £300

Total: £5770

and a grand sum of £0 in savings.

My goals for the rest of 2016-
- Get up to date with my Halifax payments to avoid any more charges etc
- Pay off TSB overdraft and stay in the black
- Pay off Aqua CC
- reduce phone bill
- Do not buy any more clothes, shoes or make up in 2016 :eek:
- Ebay the hell out of life
- start meal planning and spend less in supermarkets.

I will report back daily.

Here's to becoming debt free :beer:

Becks xx

Bobarella

Good luck with your plans SunshineBecks!

SunshineBecks

Day off today with the little one- my favourite kind of day.

I need to post 4 EBay parcels and that's the only money I'm going to spend. Will head to the park and go for a walk around the loch for free entertainment.

My goals for today:
- eBay 5 items
- weekly meal plan and shopping list
- ring EE to see if I can reduce my phone bill

Here's to a money saving day :T

Becks

SunshineBecks

Well it's been a disaster, yesterday was a write off. The only thing I managed was to post the EBay items. Little one was in a terrible mood, he must have been over tired after 2 full days at nursery. So that was draining, dealing with tantrum after tantrum. I ended up in Costa spending £7 and Boots spending £3. :mad: so angry at myself.

At least by admitting all my spends here I can see where my weaknesses are, one being coffee shops!

This morning I was already to get off to work when the OH phoned to say he has been in a car accident, thank god he was okay but the car is a write off. The insurance will cover it but the excess is £400 and we don't get a courtesy car. How on earth we will find that money I just don't know. I feel that we need cut a bit of slack, it has been a long run of bad luck for us!

As for goals for today. There won't be many as I just want the OH home to give him a big cuddle. I will try and do some Ebaying and we can sit and work out where we will find £400! Any ideas, please let me know??

Becks x

SunshineBecks

Not much happened today, apart from making sure the OH was okay after his little accident.

I have done a Meal plan for the week and we should be okay until payday which is this Friday.
I spent £16.50 in Tesco getting some bits for the week ahead and some treats to cheer us up a bit, that was an unnecessary spend but chocolate and ice cream are my weaknesses. I have 3 items finishing on Ebay this evening so hopefully they will all sell.

I am working tomorrow and will now need to get the bus to work which will be my only spend.
The plan for tomorrow:

- Take lunch to work from home
- Return Primark clothes for refund back onto the Aqua cc £15

Becks x

Jacko_amz

Hi SunshineBecks

I too am 30 in 3 years time and wish to be debt free before then I started a new diary today too.

It's crazy isn't it when you add up all the little buys (£3 here and there) I have been doing this as i work in the community and am out and about all day however now i have a office based job starting on Thursday and hopefully this will eradicate them little spends!

Good luck on your journey

SunshineBecks

So little one has been quite poorly over that last two days, he has had a chest infection the poor mite. I took the day off work yesterday to stay with him. which means I will lose a days pay but I have worked 2 extra days this month so I'm hoping it wall all balance out.

Yesterday was a NSD:T I also listed 6 items on Ebay and sold one item on Facebook.
I went through all of Little ones toys and de-cluttered 2 bin bags full of toys all to go the charity shop, a few items for Ebay and a bag to stay at Grandmas house. I love a declutter! I also downloaded the Aqua app to check the balance, this will also allow me to make payments.

Today I had to post 2 Ebay items which cost £5.20 (necessary) and £3.25 in McColl's which wasn't really needed. :mad: I have listed 2 more items on Ebay and put some Makeup up on a Facebook site to sell. Also a little more de-cluttering happened.

My goals for tomorrow:
- list 5 more items on Ebay
- Dust, hoover and clean bathroom.

Becks

System

Hi Becks, I have just come across your diary I'll subscribe after I post this!! I'd love to be debt-free by the time I hit 30, but considering that is just over 6 months away for me it's very unlikely Anyway, good luck on your journey! And yes, coffee shops are my weakness too :eek: Do you have a Costa points card? If not, definitely get one as at least if you treat yourself to one then you'll get points for it and after a few spends you'll have enough for a free coffee xxx

SunshineBecks

Quiet day again today, little one is still poorly and he has delightfully shared his germs with me!

It was another NSD :T I also sold some of the Make up I put on a Facebook site for a grand total of £7.50, every little helps though right!?
I received my pay check ready for Friday and it is how much I expected which is a rarity so that has put my mind at rest.

Tomorrow is up in the air as it looks like little one may have conjunctivitis so I am unsure weather his nursery will take him. I can't really afford to have any more time off but there's not much I can do.

I will update tomorrow,
Becks

SunshineBecks

Okay so the lurgy has well and truly beat us all, this week has been a write off!

On Thursday, Little one ran out of nappies and wipes so we headed to Aldi to stock up. I ended up spending £16.50 which was more than planned :mad:

Friday was Payday :j I paid £283.88 off my Halifax CC which brings that down to £4,300, I love a round number. The Halifax card is still over the limit by £300 so I want to get that paid off as soon as possible. I also put £45 into the Santander account to cover the overdraft fees and charges, it makes me feel sick paying the banks all this money- although it does make me more determined to pay it all off.

Todays goals-
- Have a NSD
- List 5 items on Ebay

Becks x

SunshineBecks

Back with an update

I was back at work Sunday, Is spent £4.70 in Tesco. I was still feeling quite poorly so brought some medicine, tissues and a couple of slow cooker sachets as they were BOGOF.

Monday was again a work day, I was supposed to be posting my EBay items but the post office was closed as they were on strike. I then walked to Primark to return some stuff I brought before the money saving stuck in, unfortunately I have lost the receipt so no refund for me! I ended up spending £4 in Superdrug as I ran out of time to make the porridge I had brought for my lunch! Bit of a fail. I did sell 5 items on EBay last night so now have an extra £15 to pay off the Halifax CC :j
My EBay fees were cheaper than what I had budgeted so I am going to treat myself to getting my eyebrows done as I start my new job next week!

Day off today and tomorrow so my plan is:
- ring EE to reduce phone bill
- EBay 10 items
- walk to the bank to pay money off CC
- [STRIKE]Write a meal plan for the week [/STRIKE] DONE

Becks