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if i make a start . then there has to be an end right ?!

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  • mumof3.12kindebt
    mumof3.12kindebt Posts: 1,474 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    Did the food shop. With a list and meal plan.
    Have budgeted £70 a week.
    This week it works out at 2.10 for each of us (4) a day. I don't think thats too bad. We didn't fill the trolley full of rubbish and came in on budget including formula and pudding for the 2 kids. (jelly and icecream). It maybe more than some but the fact we stuck to our list and in budget I'm happy.
    June 17 £16,000 debt ~ nov 18 DEBT FREE •June 21 £16,308 debt / july 22 debt free •Original mortgage free date 01/06/2059 current mortgage free date 01/05/2046
  • mumof3.12kindebt
    mumof3.12kindebt Posts: 1,474 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    Wow I haven't posted for a month.
    Fell off the wagon slightly.
    Good news is. I've sorted our budget and plan of action
    I should be debt free completely in 18 months from Sept.
    Now let's stick to keeping track.
    After the debt is gone I'm saving up a deposit for a mortgage / house. We are considering moving further afield where property prices are cheaper providing we can transfer 2nd born to another sen school.
    We originally planned to buy no later than 35. We are hoping to bring this forward to before 30 and mortgage free by 50.
    Let the fun begin
    June 17 £16,000 debt ~ nov 18 DEBT FREE •June 21 £16,308 debt / july 22 debt free •Original mortgage free date 01/06/2059 current mortgage free date 01/05/2046
  • mumof3.12kindebt
    mumof3.12kindebt Posts: 1,474 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    july
    car £9072
    credit card £3500
    catalogue £1300
    total £13872

    October
    Credit card £2900
    Car £7900
    Catalogue £1300
    Total £12100


    We are trying even harder this month than all the months previous.

    Let's get this debt gone
    June 17 £16,000 debt ~ nov 18 DEBT FREE •June 21 £16,308 debt / july 22 debt free •Original mortgage free date 01/06/2059 current mortgage free date 01/05/2046
  • mumof3.12kindebt
    mumof3.12kindebt Posts: 1,474 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    October nsds
    1st nsd
    2nd food shop in budget
    3Rd nsd
    June 17 £16,000 debt ~ nov 18 DEBT FREE •June 21 £16,308 debt / july 22 debt free •Original mortgage free date 01/06/2059 current mortgage free date 01/05/2046
  • mumof3.12kindebt
    mumof3.12kindebt Posts: 1,474 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    4th Oct £23 in nursery fees
    Plus made £4 selling a pair of shoes
    June 17 £16,000 debt ~ nov 18 DEBT FREE •June 21 £16,308 debt / july 22 debt free •Original mortgage free date 01/06/2059 current mortgage free date 01/05/2046
  • mumof3.12kindebt
    mumof3.12kindebt Posts: 1,474 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    Lots listed for sale.
    Avoiding eb@y to try and avoid charges.
    Lots more too list too

    Aim to try and save 200 this month. Not sure it will be possible without sales. But I also aim to pay about 200 off my debt not including car direct debit. I will update with debt totals at the end of the month / first of every month to keep track.
    Nsd today (5th November)
    June 17 £16,000 debt ~ nov 18 DEBT FREE •June 21 £16,308 debt / july 22 debt free •Original mortgage free date 01/06/2059 current mortgage free date 01/05/2046
  • mumof3.12kindebt
    mumof3.12kindebt Posts: 1,474 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    October nsds
    1st Oct -nsd
    2nd Oct -food shop in budget
    3Rd Oct -nsd
    4th Oct - £23 spent for nursery fees
    5th Oct - nsd
    June 17 £16,000 debt ~ nov 18 DEBT FREE •June 21 £16,308 debt / july 22 debt free •Original mortgage free date 01/06/2059 current mortgage free date 01/05/2046
  • EssexHebridean
    EssexHebridean Posts: 24,376 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Going well there then! :T
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • mumof3.12kindebt
    mumof3.12kindebt Posts: 1,474 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    TOTAL debt June 2017 £14898
    Total debt October 2017 £11940

    Total paid off £2958
    June 17 £16,000 debt ~ nov 18 DEBT FREE •June 21 £16,308 debt / july 22 debt free •Original mortgage free date 01/06/2059 current mortgage free date 01/05/2046
  • mumof3.12kindebt
    mumof3.12kindebt Posts: 1,474 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    Average of £591 per month :beer:
    June 17 £16,000 debt ~ nov 18 DEBT FREE •June 21 £16,308 debt / july 22 debt free •Original mortgage free date 01/06/2059 current mortgage free date 01/05/2046
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