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

edited 30 November -1 at 1:00AM in Debt Free Diaries
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  • mumof3.12kindebtmumof3.12kindebt Forumite
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    I'm determined to stay more focused so you will have to excuse my now hopefully daily. Weekly or monthly updates. To help me stay on track
    June 2017 £16,000 debt ~ Nov 2018 DEBT FREE
    June 2019 Homeowners ~ mortgage £123,500.00
    June 2021 DFW AGAIN £16,308 ~ mortgage June 2021 £116,901.97p
  • mumof3.12kindebtmumof3.12kindebt Forumite
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    No overtime available at work anymore. Will be getting a second job next Sept if not before when second born starts school
    June 2017 £16,000 debt ~ Nov 2018 DEBT FREE
    June 2019 Homeowners ~ mortgage £123,500.00
    June 2021 DFW AGAIN £16,308 ~ mortgage June 2021 £116,901.97p
  • mumof3.12kindebtmumof3.12kindebt Forumite
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    EssexHebridean

    Thankyou for your reply. Yes it seems we are hopefully finally on the right road for good.

    Haven't used my credit card since June either which is great.

    I feel I have completely changed my outlook with money. I no longer go into town spending stupid amounts on my credit card. I'm actually trying to pay more than my standard direct debit on my car.
    My ultimate aim is to welcome January 2019 with no debt. But if not then at least have it all paid off at some point in 2019

    Small steps.
    June 2017 £16,000 debt ~ Nov 2018 DEBT FREE
    June 2019 Homeowners ~ mortgage £123,500.00
    June 2021 DFW AGAIN £16,308 ~ mortgage June 2021 £116,901.97p
  • mumof3.12kindebtmumof3.12kindebt Forumite
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    I've actually paid off £100 more than I thought on my car.

    Also made another £6.

    Keep reminding myself small steps to bigger things.

    £21 spent on tobacco. I really would love to quit. Going to purchase a Vape when I have the spare money and use that to help me quit.

    I know we could save more if we didn't smoke but we aren't heavy smokers I don't think and we don't go out and rarely drink...
    June 2017 £16,000 debt ~ Nov 2018 DEBT FREE
    June 2019 Homeowners ~ mortgage £123,500.00
    June 2021 DFW AGAIN £16,308 ~ mortgage June 2021 £116,901.97p
  • wjr4wjr4 Forumite
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    You are doing so well and your diary has really motivated me to sort my debt out!!! Keep going :)
    I am an Independent Financial Adviser (IFA). Any posts on here are for information and discussion purposes only and should not be seen as financial advice.
  • SavertobeSavertobe Forumite
    36 Posts
    I have read your diary a couple of times now and it is inspiring - my issue is more keeping spending down now the debt has gone. I think you have done wonderfully and with a new baby too - attitudes to money really are the problem - I think it a treat now to have a new lipstick and unless I can really justify a spend then it does not happen. Money does not bring happiness and its a joy getting up not owing anything - I'd rather live off veg soup than borrow money now. Your in good place at 24 to really turn things around and have a great life. Hope your house dreams come true.
  • missymoo81missymoo81 Forumite
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    Hi I've just started reading your diary! Will keep reading, but just wanted to post, sounds like an amazing mission and you sound lovely, and full of love your family! Good luck. Will read through and post when I've finished!
  • mumof3.12kindebtmumof3.12kindebt Forumite
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    I've brought myself a little gift.
    It's a house fund money box.

    I have so far £86.50

    With a further £15 to go in it this week. All from selling stuff we no longer need. I was going to put it towards debt but we are on track with my plan atm so I will leave it where it is for now.

    Thankyou so much for all your replies it really helps to keep me focused on the challenge / goal
    .
    7th Oct was a nsd
    8th Oct I brought a coat for winter rrp of around £40 and a cardigan for the baby which would of been around £35 new and a coat for baby. Again would of been around £35 new all for a grand total of 9.95. This is why I am so glad I learnt to love charity shops. All the items were needed.
    9th Oct

    I'm so glad I have got to a point I know longer feel the need to waste money and I also always ask myself before buying something do I or my family actually need it if not we don't buy it.

    The money box was a need in my eyes. It's given me a place to put our spare cash and reminds me why it's there and stops me spending it because its visual. I'm so pleased with what we have saved in it since buying it on Monday
    June 2017 £16,000 debt ~ Nov 2018 DEBT FREE
    June 2019 Homeowners ~ mortgage £123,500.00
    June 2021 DFW AGAIN £16,308 ~ mortgage June 2021 £116,901.97p
  • mumof3.12kindebtmumof3.12kindebt Forumite
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    * I no longer feel
    June 2017 £16,000 debt ~ Nov 2018 DEBT FREE
    June 2019 Homeowners ~ mortgage £123,500.00
    June 2021 DFW AGAIN £16,308 ~ mortgage June 2021 £116,901.97p
  • mumof3.12kindebtmumof3.12kindebt Forumite
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    Debt
    6th June 2017
    CAR £9288
    CATALOGUE £1610
    CREDIT CARD 4000
    TOTAL £14898


    8th October 2017
    Car £7800
    Catalogue £1261
    Credit card £2900
    Total £11961

    Nearly £3000 paid off in 5 months!!
    June 2017 £16,000 debt ~ Nov 2018 DEBT FREE
    June 2019 Homeowners ~ mortgage £123,500.00
    June 2021 DFW AGAIN £16,308 ~ mortgage June 2021 £116,901.97p
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