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Debt Free Year

edited 10 December 2019 at 10:08PM in Debt Free Diaries
3.1K replies 228.8K views
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  • NicnakNicnak Forumite
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    Part of the Furniture 1,000 Posts Photogenic Name Dropper
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    Today, I did okay.

    Got little one some clothes that cost £50.
    got some nails for £8 rather than getting them done professionally during the week.
    Got £20 for Christmas and so bought the meat, and Christmas day desert with it. That has reduced my food bill down to £60 maximum. Better than nothing, that will pay for the spray tan!

    Tomorrow we both have the day off so will be expensive :)
    On a super super diet this week too. Oh the joys of being the week of your wedding!
    September 6th 2017 - Updated December 2019
    Credit Card £0 now: £0 Consolidation £15,000 = £5,362 Total = £25,330 :(£5,362 79% gone EMF #252 = £1300/£1000
    Pay off all your debts by Christmas #071 = 2020 = £4400.90

    Decluttering target 2361/3500 items
  • AdventureWantedAdventureWanted Forumite
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    1,000 Posts Second Anniversary Name Dropper
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    Nicnak wrote: »
    Little one will be 5 in March and she seems to have no waist and really long legs. Nightmare getting anything to fit her! x

    I have the same problem with my son & daughter. Have you looked at vertbaudet? They do slim waisted trousers (& waist still has adjusters in), which are brilliant for my kids. Some of the trousers are quite expensive, but I got some nice trousers in the sale last year and as a new customer they usually have a discount code, so worked out at about £4.80 a pair. Might be worth a look when the sales start.
    LBM Aug 2017.
    CC1 - £0 😁 / Was £5,185 1/8/17. | CC2 - £0 😁 / Was £13,470 1/8/17. | CC3 - £0.00 😁 / Was £11,400 1/8/17. | CC4 - £6,646.60 / Was £13,000 20/11/17 | DH CC - £0.00 😁/ Was £16,798.59 31/3/18[/i] | DH Car - £9,730.00 / Was £10,350.00 1/1/20.
    Challenges
    2020 1% challenge - #1 - 41% | PAYDBX 2020 -#29 Pd £4,943.40/ £12,000 | PAYDBX 2019 - Pd £16,945.60 | PAYDBX 2018 - Pd £15,010.60.
  • NicnakNicnak Forumite
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    I have the same problem with my son & daughter. Have you looked at vertbaudet? They do slim waisted trousers (& waist still has adjusters in), which are brilliant for my kids. Some of the trousers are quite expensive, but I got some nice trousers in the sale last year and as a new customer they usually have a discount code, so worked out at about £4.80 a pair. Might be worth a look when the sales start.

    Thank you, I hadn't heard of it. I can't get her skirts. which she loves because of her sizing, and she doesn't understand why. x
    September 6th 2017 - Updated December 2019
    Credit Card £0 now: £0 Consolidation £15,000 = £5,362 Total = £25,330 :(£5,362 79% gone EMF #252 = £1300/£1000
    Pay off all your debts by Christmas #071 = 2020 = £4400.90

    Decluttering target 2361/3500 items
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
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    It is an expensive month for you because of the wedding and Christmas, but in January you should be able to really tackle the debts :).

    I know what you mean about snacks and food generally going up in price. I think I may follow your example and go to Lidl or Aldi for our Christmas treats.

    You are so busy but it will all be worth it in the end :). What date is your wedding?
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £1,500/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300
  • NicnakNicnak Forumite
    3.8K posts
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
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    23rd - Saturday!
    September 6th 2017 - Updated December 2019
    Credit Card £0 now: £0 Consolidation £15,000 = £5,362 Total = £25,330 :(£5,362 79% gone EMF #252 = £1300/£1000
    Pay off all your debts by Christmas #071 = 2020 = £4400.90

    Decluttering target 2361/3500 items
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
    12.6K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    Wow not long now., you must be excited :j.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £1,500/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300
  • DebtFreeDuoDebtFreeDuo Forumite
    1K posts
    1,000 Posts Second Anniversary Combo Breaker
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    Your wedding is so close now, I hope you have a truly wonderful day.
    Change the way you see things and the things you see will change
  • NicnakNicnak Forumite
    3.8K posts
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
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    I know!
    Must control what I put in my mouth!
    September 6th 2017 - Updated December 2019
    Credit Card £0 now: £0 Consolidation £15,000 = £5,362 Total = £25,330 :(£5,362 79% gone EMF #252 = £1300/£1000
    Pay off all your debts by Christmas #071 = 2020 = £4400.90

    Decluttering target 2361/3500 items
  • NicnakNicnak Forumite
    3.8K posts
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
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    Evening,

    Today wasn't actually so bad. We had a coffee at a free refill place and hubby paid. We wandered round the traff ctr and just looked in shops. I had opened a card from my uncle for little one and he had put money in. I saw some sparkly amazing converse for her, so bought her them with it to wrap up. and a bath bomb as she loves them. Felt like i had spent loads, but actually didn't spend anything in there.

    We went in Tesc o for a meal deal for dinner. Hubby's sandwich was half pri e reduced, and I bought a massively reduced sushi pack. it came to £2.95 incl crisps and some reece's peanut butter things for 6p each. I used change in my purse to pay for it, which meant I did well on my card.

    I did have my eyebrows waxed for £14.50 so that has gone on the card. It could have been so much worse, so I am happy that it was as good as it was.

    Tomorrow is cleaning the house day, and Wednesday we are off into Manchester town, which will cost a little more. I think I will be trying for another meal deal!

    Still waiting for a refund for old car. It's been over two weeks now. 2nd Dec is when the payment came out.

    Still got so much to pay out, and I have no idea where my bank is up to as i have so much still to come out, and still to go in. It's all a damage control month at the minute!
    September 6th 2017 - Updated December 2019
    Credit Card £0 now: £0 Consolidation £15,000 = £5,362 Total = £25,330 :(£5,362 79% gone EMF #252 = £1300/£1000
    Pay off all your debts by Christmas #071 = 2020 = £4400.90

    Decluttering target 2361/3500 items
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
    12.6K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    Ouch I hate feeling like the budget is out of control and payments in and out always take ages to show up.

    Is the payment for your old car late? Did they give you an eta for the payment?

    Sparkly converse sounds great :).
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £1,500/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300
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