Debt Free By 2020

MeenaM

debtfreeby2020 wrote: »

RANT ALERT

As you know, I plan to go to switch to a 12 month SIM-Only contract. For that reason, I thought I should overhaul my iPhone 6s. Any iPhone user will tell you that the battery life is shocking. Apple recently reduced the price of a replacement battery to £25 or thereabouts. I contacted Apple support to book an appointment and they told me that I could go to my appointment (next week) but the battery would take 5 WEEKS to come through. Urgh!!! I am happy with the 6s, it does what I need it to do, but seriously Apple?! Have a word with yourself!

I also have the iphone6s and I contacted them on twitter about this, they were totally unhelpful and suggested i could either send it off , wait 5-6 weeks or go into store and wait 5 weeks!! plus they wouldn't commit to agreeing to do it for £29 unbelievable ! :mad:

debtfreeby2020_3

MeenaM wrote: »

I also have the iphone6s and I contacted them on twitter about this, they were totally unhelpful and suggested i could either send it off , wait 5-6 weeks or go into store and wait 5 weeks!! plus they wouldn't commit to agreeing to do it for £29 unbelievable ! :mad:

Not alone then! I am guessing I will just have to suck it up and wait. But who knows what you are going to be doing in 5 weeks time?!

pidge04

Hope you are still feeling determined!
I am too. You asked where I am on my debt free journey ...
I’ve decided to set up a small business (I work full time) to try and boost my income. I will use that money to reduce my overdraft. I’m excited about that.
At the start of this year I had £250 on a store card. I’ve got that down to £33 by selling the stuff I’ve accumulated. Feels great to clear the stuff out and to be losing this debt.
My problem is this ... I have £2800 on one credit card and £2400 on another. I have 29 more instalments on a loan (£227 each month). I’ve increased how much I pay off the credit cards each month but I think when I can get that debt down to under £4000 then I will apply for another loan which is incredibly depressing but may ultimately be cheaper. I’ve cut up my credit cards and I am resolved that I will never ever buy something I can’t afford ever again because the feeling of being completely overwhelmed with debt has been so utterly stifling.
I want to live by my grandparents attitude to money - they always saved for the things they wanted, lived simply and within their means.
I am feeling positive after months - years of feeling completely bogged down by it and by my recklessness of living a life which I could not afford.
Great to connect with you! I wish you well!

pidge04

Oh, you’ve reminded me I need to set myself no spend days and I need to start an emergency fund.

debtfreeby2020_3

I am so glad you are feeling positive sweetheart. Debt is like a millstone around your neck and you are facing it head-on, which is fantastic! Well done. I hate this feeling too.

Huge well done on the store cards! That’s a big step forward. Think very carefully about consolidating. There’s lots of advice in the loans forum about it.

What kind of business do you have?

debtfreeby2020_3

As the snow has gone - HOORAY - I thought I would go and pick up my prescription (I get this for free because I have epilepsy). I also did the weekly shop. It is just a top up shop, as I have a full freezer. I bought quite a bit of meat at Costco last month and I am still working my way through it. I went to Iceland and Tesco to stock up on non-perishables.

Diced onions - £1.29
Broccoli and cauliflower floret mix - £1
8 pk of Banisters roast potatoes - £3.00
1 Fanta Orange and 1 Coke - 2 for £2
Garlic tiger bread - £1.25
Pizza Express pepperoni pizza and doughballs - £3 deal
Tin of Heinz beans - £0.74
Bag charge - £0.05

Total: £13.61

I couldn't get everything in Iceland, so a quick trip to Tesco was in order:

Spaghetti carbonara sauce mix - £0.85
Frozen mushrooms - £1
Huge pack of Jaffa Cakes (36) - £1.69

Total:: £3.54

This will do me the whole week.

Meal Plan

M: Slow cooker beef casserole with roast potatoes and cauliflower/broccoli
T: Spaghetti carbonara with garlic tiger bread
W: Naked burgers with chips and beans
Th: Mince and tatties with cauliflower/broccoli
F: Spaghetti Bolognese
S: Swedish meatballs in gravy with mash

Tonight we are having the Pizza Express items as our equivalent of a fakeaway. We will wash them down with the soft drinks.

I plan to have jacket potatoes with beans and/or cheese and butter for work lunches. We are having a pizza day on Friday.

So I don't think I am doing too badly! £17.15

debtfreeby2020_3

A word to the wise: steer clear of the Pizza Express pepperoni pizza from Iceland. It is not very nice. Hardly any meat and it has a chemically taste to it. The dough balls were spot on though. No vampires will be visiting this house for a while!

As all of today's purchases came out of the budget, this is officially No Spend Day No. 2.

debtfreeby2020_3

Oh my gosh guys, I am so unbelievably thrilled this morning. I am into the £3000s of my Tesco Loan. Seeing the start of the number change from a four to a three makes me feel like I am making progress. I know it is a relatively small amount but I am chuffed to bits!

Tesco Loan: £3,877/£5000

I hope to enter into the £2000s on my Barclaycard later this month with an overpayment. Wish me luck!

Lilith1980

We bought a couple of pizzas from Aldi this month. Not tried them yet but it might be worth considering....I think they were £1.69 each

Lilith1980

debtfreeby2020 wrote: »

Oh my gosh guys, I am so unbelievably thrilled this morning. I am into the £3000s of my Tesco Loan. Seeing the start of the number change from a four to a three makes me feel like I am making progress. I know it is a relatively small amount but I am chuffed to bits!

Tesco Loan: £3,877/£5000

I hope to enter into the £2000s on my Barclaycard later this month with an overpayment. Wish me luck!

Yay well done!