Best put on my big girl pants! my saving for a deposit diary

debtaghh

Hope things pick up for you.

lindez

just read your diary you have done well getting rid of your loan well done !! I hope you all feel a lot better soon x

mumof3.12kindebt

Thankyou both.
Managed to sell some stuff today and made £30
Survived last nights shift. Back in tomorrow morning
Did some money shuffling so put some money in the savings account.
Eldest went to play at a friends so he's had a good day.
Going to list some more for sale once the youngest too are in bed. Then it's bath and early night for me.

Have a good evening all

mumof3.12kindebt

Giving blood for the second time tomorrow. !
Did a carboot this morning made £31 after our pitch fee. Doing another one on Saturday.
Sorted the boys bedroom out.
Need to Sort our room the lounge and kitchen this week while I'm on annual leave

mumof3.12kindebt

It's coming to the end of the month. And this month has made me realise I lost the focus on my goal a little.
Here is our currently financial situation.
Catalogue 585
Loan 140
Credit card 859
Emergency fund 2100
House 0
House money box 111

I could pay off my debts completely this month but that would leave us with very little savings and that gives me huge anxiety I don't want to go back to that place. So I'm going to continue to build the savings and pay some each month out the debt. The loan will be paid off after next months dd. Then I'll be concentrating on the cc and then the catalogue as it's 0% Interest.

I have all my target aims on each account name for my savings so I know how much I'm aiming for.
I also need to update my budget tonight and crack on with my diploma

mumof3.12kindebt

1st of septemeber



this month is my last loan payment

mumof3.12kindebt

my goals by the end of the year.
sell my little car
have £5k in emergency fund
be debt free
quit the fags !! (this is one i have been trying but not hard enough)
give blood once more before the year finishes
get ds2 settled in school

plan for now intill the new year
sept - pay off credit card and loan
oct - pay off catalogue + £500 in savings
nov - £1100 in savings
december - £500 in savings + £600 for xmas

plus any money from the sale of my car. (which i need to get valued).
plus any overtime money.

i also have a 6 month electric bill on its way as our meter was broken, so savings will drop when i pay that.

January 1st we start the deposit saving journey

zcrat41

Good luck with your goals.

I had a lot of success with nicotine lozenges many years ago.

mumof3.12kindebt

I have a vape which I've managed to quit with before... Going to give it another try.

Doing an extra shift at work today.

We have had a good first week to September.
All spends have been essential. (food petrol council tax etc)

Will pay the credit card Off in full at the end of the month
Then next month it just leaves my catalogue and then we will be debt free.
l

mumof3.12kindebt

Managed to get another extra shift on Friday at work.

Concentrating on getting rid of all our debt by next month. Then I need to build our emergency fund higher. After that it's our house deposit. And once moved I'll be continuing to save up so I can take the plunge in setting up my own business. In the meantime I need to concentrate on getting all my relevant qualifications.

I seem to never have any down time anymore. So last night my and the OH went out for a meal.