This Duo's debt free journey

Willowtree222

The 1% is to divide your debt by 100 and that gives you 1% of your debt.

Every time you pay off 1% of your debt, you celebrate it and that's what you aim for.

I have written 1% 100 times on paper and cut them out and put them in a jar. Every time I pay off £170 I take out a 1% card and pop it into another jar so I can see it moving. As this is a long term thing, it is easier to hit the little targets and I can see the empty pot start to grow.

Does that make sense? x

DebtFreeDuo

Makes complete sense, its a great idea to keep you motivated! Ooh you have updated your sig, I'm going to assume that this means you are more prepared to face everything which is fantastic, I know you were putting off the car but I think including the whole picture really helps once you're ready to do so, well done!

Willowtree222

I've just condensed the signature down, that's all.
I am ready to deal with the car. The car is going! I can't do anything with it till April, but it will be gone next year.

Pauper1

Just found and subscribed to your diary had a little read through. I use Pinterest to find free/cheap activities to do with my DS, usually season based, but it's a good starting point. I think a little pot for the holidays sounds like a good idea.

DebtFreeDuo

Thank you Pauper, I really should join Pinterest!

Today has been spent catching up on some household stuff and wrapping up some Christmas presents, DS wanted to stay in today so I could get a fair bit done.

I'm really tempted to pop out and grab either a bottle of wine or a couple of tonics for this evening whilst I study (DS at his dads), I will probably do more studying with a nice glass of something but then today would be a NSD if I resist the urge.

I am going to come up with a new budget for the next 2 months shortly and see how much damage this does to my overdraft.

DebtFreeDuo

Well I resisted yesterday which made it a NSD. Today won't be because I am going food shopping today rather than my usual Sunday as I have a busy weekend. I am so excited for this weekend, quality time with DS. It won't be a cheap weekend but I have put things into place to make it as cheap as I can.

Once this weekend is out of the way I will come up with a budget for Nov/Dec. I have £17.70 in my PA account, just waiting to get it up to £20 so I can cash out which means that it will have paid for my MOT. I am considering getting my car serviced at the same time as my MOT which will likely result in me putting that onto a card and paying it in January so I don't get charged any interest. My car is well overdue a service. 2018 will be much better budget wise as I will have the whole year to put money into pots and by this time next year I will have cleared all of my debts.

Willowtree222

Planning makes it so much better. That's one of the tings I didn't do this week, which ended up costing me a lot more than I wanted to spend.

Sounds like you've got a fab weekend planned, enjoy it.

I'd have been tempted by the wine I think and would have probably given in!

Have a fab day x

DebtFreeDuo

I agree Nicnak, planning definitely helps to keep the costs down. I am going to enjoy every second of it.

Spent a small fortune today but that was because I needed meat and I had gotten away with not buying any for the last couple of weeks, also bought myself some small cans of tonic which should last me a little while.

Forgot to add earlier that I had listed about 10 things on eBay this morning, one of which already has a bid so I am hoping I get more for that one. I will hopefully get some more things listed later, I have absolutely tons of stuff I could list if I could just take a whole day out to list them all, its just so repetitive and dull.

Pauper1

Well done on the ebay listing! I tend to just do two at a time because it's so dull, so ten is amazing.

Is this weekend the show? I am not sure if that was you, or someone else I've read that much on this site recently!

DebtFreeDuo

The weekend is Disney on Ice Pauper. Yeah I find eBay listing the most boring job ever, I think I'm going to set myself a target in November to list one thing per day but make it as a total of 30 in the month so I can list 2 on one day if I miss a day. This should help to bring in a small amount of extra cash hopefully and will really help to de clutter ready for Christmas.