£50k to zero - made it across the finish line

Drawingaline

Fantastic news! We had to get a new boiler in 2012. We paid to have it moved upstairs, found a fantastic plumber in checkatrade who charged 2k for boiler and installation. Which was fantastic as other quotes were between £3500 and £5000. And we have had no problems with it since.

I hear you re the debt repayments. We have paid off a large chunk since January, but with life getting in the way and wanting to actually enjoy the extra time I now have this will scale back until after the summer.

Debaroo

I didn't get any help towards bills/food etc for 6 months off my husband. I made him sit down and discuss. Turned out he was £37k in debt. I have managed this by taking on a total of 3 jobs to ensure my wage meets our joined income. We have reduced the debt by over £10k in 12 months and both of our credit scores are over 970 with Experian. I am under pressure with work to seek legal advice and give up my 2 other jobs. I am concerned that this will affect our credit scores, take longer to pay off and have a greater sum to pay out over time. Please advise

One-step-at-a-time

Debaroo wrote: »

I didn't get any help towards bills/food etc for 6 months off my husband. I made him sit down and discuss. Turned out he was £37k in debt. I have managed this by taking on a total of 3 jobs to ensure my wage meets our joined income. We have reduced the debt by over £10k in 12 months and both of our credit scores are over 970 with Experian. I am under pressure with work to seek legal advice and give up my 2 other jobs. I am concerned that this will affect our credit scores, take longer to pay off and have a greater sum to pay out over time. Please advise

Hi, I think you'd be best off starting your own thread on the Debt-Free Wannabe board or asking a moderator to move this one, you may not get many views buried in this thread! I've never heard of the number of jobs you have affecting a credit score, but that wouldn't be my first concern if I had no intention of applying for more credit.

One-step-at-a-time

Good evening!
I went to Sbury to buy that onion after work, checked our shopping list on Google docs and DH had added to it because he was in the mood to make a chilli. I never object to this as it feeds us for three evenings, so I bought the extra stuff (soured cream 24p courtesy of a trusty yellow sticker) £14.47 left in the month!!!8217;s grocery budget. It!!!8217;s going to be tight! However, that little bit of shopping yielded a £15 off a £50 online grocery shop voucher. It has to be used by midnight on the 26th and I get paid on the 27th, so we can use it to keep the freezer stocks up, and technically it will count as part of the May food budget as the money will go out on payday.

Another MSE win is that after a good search I found a photo sales site for my small print gallery with a free hosting plan that fits my criteria (including lab fulfilment, commission-free, simple interface, good branding options), so next month provided that testing is satisfactory, I can point my site URL at it and save myself £23.36/quarter, which will probably be redirected to the priority CC.

Two wins today totalling more than £100 less spending over the next year

One-step-at-a-time

Evening diary!

A few days have been spent in the real world - with friends staying, the computer has been switched off other than the five minutes per day of account checking. We had a really nice time, and barely spent a thing all weekend! We were also treated to dinner as a thank you for hosting and being tour guides. I would say that I feel refreshed today, but that's not *quite* true as we had a ridiculously early start to get them safely on their way. I was about ready for my bed by morning teabreak and will be very surprised if I last for more than half an hour after dinner tonight

Absolutely nothing MSE-ish to report - normal service will resume tomorrow. I hope everyone had a good weekend.

Drawingaline

Sounds like a lovely weekend

One-step-at-a-time

Drawingaline wrote: »

Sounds like a lovely weekend

It really was

One-step-at-a-time

Ahhhhh, I was expecting this to happen at some point. There's an event that DH and I adore, that we justified to each other a couple of times pre-LBM (and is responsible for a not insignificant part of our debt due to enormous travel and accommodation costs involved). This year it's looking better than ever! I have breezily managed to pretend that it doesn't exist for the last three years, but this year some of my regular clients are involved and the "are you going" messages have started already. I'm just going to have to get very, very good at turning a blind eye. There is no danger of me having a fiscal relapse though. In the past I would have seen enough space on my credit card as an opportunity, now I see it as the danger it really is! It's also so spine-chillingly expensive this year that even pre-LBM me would have balked at the numbers.

One-step-at-a-time

Morning all!

I have splurged on food today. Found £5.40 in a drawer the spare room and spent nearly all of it in Sbury on the way to work on breakfasts and lunches for the next week. Bagels, lots of lovely salad, an enormous vat of natural yoghurt (yellow stickered) and some reduced-price granola bars. I am still on course to make it through to payday without raiding the EF. Just about!

Really nothing else to report. Things get dull when I have no totals to update!

One-step-at-a-time

Happy Friday everyone!

Just checking in while I'm here as popping back regularly helps me with accountability. Preparing for a very frugal last few days before payday, and a weekend of putting some ducks in a row making sure my May and June budgets are as watertight as they can be. They are both extra travel months due to a couple of long-awaited events, so I'm going to have to be ~very~ careful. I think that £95 BT reward card is going to be a bit of a godsend!