lilmissmup's debt free diary!

benbenandme

We're having an indoors cheapy kinda weekend too Lilmiss its great to just chill

lilmissmup

Yep it is especially now the weather is turning colder.

My house is a tip though so should do lots of tidying but prefer being on here lol.

Little_Pickle

oh, sorry to hear about the sale... how annoying! BUT you're almost there!
good for you lady!!!

lilmissmup

Well the buyer has agreed to the dispute already so i have my fees back and will relist tonight.

Such a pain in bum though, oh well.

lilmissmup

16 days to go.

Have just cancelled my lovefilm 3 month free trial i got through here, i might join them again once debt free when the weather gets a bit colder.

Relisted PC last night and dropped £15 off buy it now price to match the best offer i got for it, hoping it sells this time or else i am going to have to take out a larger chunk of next weeks wages to be debt free but i am determined to do it.

Was working out my new SOA for when i will be debt free last night, to save £600 a month i need to persuade OH to give me an extra £160 a month, not sure how well this will go down though but if we want a house it has to be done.

Any extra money from Quidco etc will be going straight into savings as well.

mariagti

DF getting nearer!

Saving £600 a month will be great! Does your OH have any savings? or debt? Whats your aim for your house deposit?

lilmissmup

Nope he has never saved in his life apart from giving me money to put in the sealed pot and change jars thats why i see a problem.

He has no debts though though we may need to work on his credit file as when he was younger he had cards and didn't pay them back including a speeding fine he never paid so not sure if he has any CCJ's against him.

We have been together 6 years in February though so they should all be gone off his credit report by time we want to buy somewhere just think we will need to get him a credit card possibly one of those dodgy vanquis ones where he just spends a £1 a month or something to get his credit rating back to ok.

I want to raise at least £20000 if not more for the deposit.

mariagti

Lol, sounds like my OH! although mine does have a CCJ because of an untaxed car! He done just what you said and got a capital one card and buy his petrol on it every month to get a better looking file.

Yeah i thought £20k was a good size deposit but after seeing what other people are saving for £20k looks small to there £50 - £80K!

lilmissmup

Yeah when i was reading that thread i was amazed, but it would take me years to raise £80000! I want to buy in 2010 really.

thepinklady

Oooo not long now Lilmiss, i'm so happy for you that this day has FINALLY come.
xx