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Making changes to become debt free

Poppy1984
Poppy1984 Posts: 628 Forumite
Fourth Anniversary 500 Posts Name Dropper I've been Money Tipped!
edited 23 November 2019 at 10:59AM in Debt free diaries
Post deleted
19-02-18 Total Debt £30,322
17-12-21 I'm Debt Free 🎉🎉🎉🎉
«13456710

Comments

  • MeenaM
    MeenaM Posts: 320 Forumite
    Debt-free and Proud!
    Hi and welcome

    good luck with your journey , I know the teenager with hollow legs syndrome!

    do a budget where you allocate every single £ will def help and do your best to find extra money to pay towards your debts , for me paying min on debts and attacking the smallest one first has been successful so far , can you sell anything? extra money from any where eg over time etc?
    paid off £27,527.47 debt free journey began Nov 2017 DEBT FREE 13.09.2019!! EF £3500/£5000
  • Why are apostrophes showing as !!!8217;s ?
    I am posting from my iPhone
    19-02-18 Total Debt £30,322
    17-12-21 I'm Debt Free 🎉🎉🎉🎉
  • Morning I have been a busy bee this morning and raided my money box and penny jar.
    I have counted it all out and there is £100 I am going to put into the bank and pay off my next. I also have a couple of things I can return that mount up to £90 so I!!!8217;m going to take £10 out of my spending money budget so I can round it up I £200 off my next balance taking it down to £400 I!!!8217;m pretty chuffed with that.
    19-02-18 Total Debt £30,322
    17-12-21 I'm Debt Free 🎉🎉🎉🎉
  • Decided to get back into doing surveys I did a few earlier on in the year earned £30 in amazon vouchers over a few months then got fed up. I logged into valued opinions just now and completed a £1 survey to my surprise I had £10 on there so I'm pleased with that, I think I will use it as a bit of a Christmas savings account and whatever I have earned up until xmas cash in for amazon vouchers and use it to supplement my cash xmas savings.
    I usually end up going massively over my budget at xmas and putting things on my next or buy now pay later very account but I wont be able to do that this year.
    As soon as I have paid the accounts off I'm closing them.
    19-02-18 Total Debt £30,322
    17-12-21 I'm Debt Free 🎉🎉🎉🎉
  • I cant sleep im exhausted but my minds whizzing.
    I worked out today I spend approx £370 possibley more on family, friend and children for birthdays this doesnt include my own DS (whos bday and Xmas I save for)
    The thing is Ive never saved for the others just bought people regardless of whether I could afford it or not as I always felt it was the right thing to do.
    I am going to have to approach people and explain I cannot do this anymore. The thought of doing that makes me feel like crying and also feel sick. I feel so guilty as there are friends who have always bought my DS when they were childless and now have children. So I feel as though I am saying you!!!8217;ve bought my DS all these years now you have children I can!!!8217;t afford it anymore. Also there are friends that we all always club in as a group £20 each to buy a joint gift and give it to the person when we are out celebrating their birthdays so I!!!8217;m going to feel the ultimate Scrooge when they open their present that I!!!8217;ve not contributed towards. Also going to their childrens bday partys empty handed feels rotten.
    I know I have no choice but to do it but I really dont know how Im going to Broatch it. A couple of my single friends have mentioned several times how they dont have husbands / bfs to buy them presents so every present they receive is precious. I am in tears just writing this but I know its something I have to do and should have done a long time ago
    19-02-18 Total Debt £30,322
    17-12-21 I'm Debt Free 🎉🎉🎉🎉
  • Hi diary, I know no one is reading but it!!!8217;s helping me just getting my thoughts out.
    Surveys are dripping in slow and steady.
    Haven!!!8217;t spoken to people about money yet still scared about that but it needs to be done.
    I!!!8217;ve downloaded the car boot selling app so hopefully can sell some bits n bobs on that as I!!!8217;ve used eBay a bit but find the fees crippling. My plan is anything I earn from selling to pay off my next account.
    Still feeling very anxious and struggling to sleep and concentrate at work.
    19-02-18 Total Debt £30,322
    17-12-21 I'm Debt Free 🎉🎉🎉🎉
  • Just popping in to say hi and good luck!
    Are you just going to be taking your pennies into the bank? I have loads but paranoid about walking into the bank with bags of change :rotfl:
    Just trying to make up for past mistakes and work towards the future I want :hello:
  • Hi thank you for popping by. I bagged them up in money bags from the bank. But my bank will only let you deposit ten bags a day x
    19-02-18 Total Debt £30,322
    17-12-21 I'm Debt Free 🎉🎉🎉🎉
  • Poppy1984 wrote: »
    Hi thank you for popping by. I bagged them up in money bags from the bank. But my bank will only let you deposit ten bags a day x

    Glad you said that you got the bags from the bank - I was going to buy some but have now been in and picked some up from them :rotfl:
    Just trying to make up for past mistakes and work towards the future I want :hello:
  • Oh good, let me know how much you get bagged up x
    19-02-18 Total Debt £30,322
    17-12-21 I'm Debt Free 🎉🎉🎉🎉
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