Tips to save money to pay debt off quicker

Tilly_MFW_in_6_YRS

I promise Tilly Tidies help. I averaged £45 per month doing them.

Best wishes Tilly xxx

B17c

Thanks Tilly, I will look into it. Deffo sounds like a good plan
Sorry for the radio silence, my dad told me on sat night one of our cats died out of the blue... he wasn't old so was a shock. I feel devastated but my heart hurts for my dad, his cats are his children (fairly sure he loves his cats more than he loves me!)
I got a pay rise at work which I'm very pleased about, it's an extra £1 an hour which will make a big difference... I've done 50 hours this week so I'm fairly shattered. In bed watching Christmas Chronicles on Netflix with a bottle of wine. Will adult tomorrow. Tomorrow will be spent washing, cooking and taking my eBay sales to the post office, I'm very pleased to have sold a fair few items over the last week and made another £100 which will go to the Tesco cc bill that's due.

B17c

Oh, and things came to a head with my flatmate and we are currently negotiating changes in the household as the slamming doors and lack of cleaning etc around the house has gone far enough. I have offered to clean the house once a week if I'm paid some money towards it and cleaning supplies, we have said £15 a month so that £15 will go in a separate account of mine and will go towards either debt or an emergency fund as I don't have one yet and am thinking it's worth saving a months salary "just in case"...
I've said I will clean the house once a week but people still need to clean up after themselves, eg wash up and put away their own dishes, clean up spillages they've made, keep communal areas clean and tidy etc

B17c

Quick update, I won £130 on jackpot joy bingo tonight! I rarely go on it as I don't allocate money towards it but I had free tickets left so I got 18 lines and I won a line! The full house was£1000 which would've been nice but I'm deffo not complaining at £130 for free! That's me for online gambling for another month or so now, it's all too easy to lose more money than you win so I'll quit while I'm ahead! I opened a Monzo account the other week so when the £130 has cleared and gone into my paypal account I'll transfer it to Monzo. Then I will pay a big chunk off Aqua. My Monzo account is purely for side hustle or 'extra' money (like Xmas or birthday money) and is all dedicated to debt. My salary is still paid to my bank account for rent, bills etc then everything left is transferred over

Hope you are ok Monnagran? Have you moved house now?

monnagran

Hi there! Noooooo! I havent moved. Our chain of 4 is being held up by one person. His house is sold, his topUp mortgage has been approved and NOW he has decided that he must have a full structural survey done on the house he is buying, which happens to be the house of my buyers. Everyone is tearing their hair out. Anyway, with a bit of luck and a following wind it will happen in January. Needless to say Christmas won't be happening here.

B17c, you are doing really well. You must be knocking off the debt on the Aqua card pretty impressively. How much longer do you think it will take?

I'm glad you and the other flatmate have joined forces and confronted the irresponsible one. I hope that your weekly clean doesn't take much more than an hour because £15 is the hourly rate for a cleaner in a lot of places, Anyway, that is £60 a month and you are absolutely right to have an emergency fund but don't forget that getting rid of the debt is the priority. Still, this is extra money that you weren't expecting and an emergency fund will hopefully stop you getting into debt in the future. Go for it!

Siebrie

When I lived in London, in a small attic bedsit, I swapped my weekly £75 rent for cleaning the whole house, everytime my landlady couldn't find a cleaner. Do not undersell yourself!

Background: I was job hunting, house contained 1 landlady in 1 room, 1 student in 1 room, me in 1 room, kitchen, 2 bathrooms, 3 rooms with double beds and bunkbeds for letting to travel groups (schools on three day trips to Britain), lots of stairs. Cleaning and making the beds took me three hours.

B17c

Hi Monnagran and Siebrie, tbh I'd rather clean on my terms when it's suitable for me as the other two will clean during the day at the weekend and that's right when I need most of my sleep! They will clean/tidy/hoover their own rooms, I will hoover the halls and living room and mop the kitchen/bathroom/toilet floors, dust, clean surfaces etc etc they just need to maintain it and clear up after themselves.

I've realised that my signiture is wrong on here, I owe £13,000 not £11,000.
Aqua £4848
Capital One £2771
Marbles £2869
Tesco £2503
= £12,991

I've figured out to pay it off in 12 months I need to pay £1083 a month (without interest, so will need to make additional payments too) towards those 4 cards, so if my minimum payments are eg £500, that's an extra £583 I need to pay on top, so say an extra £583 on the aqua card until that's paid off, then on to the next one. That's approx an extra shift a week at work and selling some bits on eBay, and any birthday/Xmas money I get.
I'm hoping with all the overtime I've been doing I'll have a nice fat December paycheck and I'll be able to take a chunk out and add to the Monzo account, I've got nearly £700 in there now. I need to do a budget for January as we're getting paid early in December so January will be a long month and I don't want to run out of money! I'll do overtime in January too (if it's available, I'll speak to my manager tomorrow night about picking up the Friday overtime shift contractually if I can)

The_Lady_Sarah

So what else can we save money doing?
I use white vinegar in washing
Star drops in cleaning
Batch cook
Sold everything at carboots or eBay

What else we got?

The_Lady_Sarah

Tilly_MFW_in_6_YRS wrote: »

I promise Tilly Tidies help. I averaged £45 per month doing them.

Best wishes Tilly xxx

Ok what’s this😋

monnagran

The Lady Sarah try googling 'Tilly Tidies'. You will get a much better explanation there.