Working Hard Debt Diary - Here goes

WorkingHardDFW

Wow those three weeks have gone so quickly. I'll think of you on Saturday. I'm sure you will have a super fantastic day.

Happytogetdebtfree

Thank you I'm sure il have a great day wooo x x

WorkingHardDFW

Finally finished my tax return :j Now I owe £77 which is OK and about what I expected. I've £40 of this already and the rest will have to be generated from the ebay sales/MBing & MSing which I will now have to launch into with avengence - no excuses now. In fact since i have the house to myself tonight I'm about to bring all my piles of toot into once place to photograph and get ready to list. This girl is seriously on an ebay mission now. Its a good job the kids aren't around tonight otherwise I'd list them..............

Wish me luck

WorkingHardDFW

I hope that the Wedding went well Happytogetdebtfree :beer::j:T

I've spent the afternoon - free of all the family who are camping - and listing like mad on ebay. If I sell everything for the start price taking out costs but not adding in any surplus on the postage (which I try to keep to a minimum but I always go for more rather than less particularly on items which only fetch £1) I'll have made £30 towards my £300 target. I'm being realistic since there is nothing in there of particular high value so if I am luckly I'll make £30 from this batch.

A lot more work to do I feel.....

elantan

can i ask what your plans are once you are debt free? and how do you plan on tackling them ...trying to get ideas for myself ...when i was last debt free it didnt work out so good lol

WorkingHardDFW

What my plans are when we are DF.....not given it a lot of thought?

We are certainly going to keep the tight hold on the finances that we learnt how to do during this process. I don't want to be running up debts again just because we don't live within our means. I think we've learnt such a lot about how to manage money during this process and these are lessons very well learnt.

We plan to pay off the mortgage (which had at least one lot of debt consolidated onto it previously). We plan to build up savings. Although we have lots of little pots of money put aside to pay for things we've only got one lot of proper savings and these need to be more. We plan to do some bits on the house and really enjoy our earnings both individually and as a family a little more. This may be through uppping some of our budgets which still remain low!

So no we've nothing specific planned but as to edge nearer we'll start putting some of these things into action....what I don't want to happen is for us to take our eye of the ball at this late stage.

elantan

yep it sounds like you have the makings of some plans ...well done wont be too long now then the good times will commence ...good luck with it

WorkingHardDFW

How about you elantan what plans are you formulating?

We had a bit of treat weekend this week. OH and the kids went camping with a big group of friends. I saw it was a treat because we had a little outlay to get us there including obtaining a tent. However I was very lucky and i bought a suitably sized and hardly used tent from a friend for £40. I borrowed an extra sleeping bag and carry mat from another friend. However I did have to buy some bits and pieces and pay the shared cost of the weekend. Overally it cost us about £120 which is very much a treat is our books. However we all had a fantastic time which is the most important thing :rolleyes:

The money is going to come from the holiday fund since it could be argued it was a holiday!!

As I said in an earlier post some of our budgets are still tight and I'm looking forward to these improving when we are debt free. Presently our monthly entertainment/misc budget is £30. As you can imagine during the holidays this has long since gone! Clothes is £50 pm which with three growing kids is hard, school shoes for one can nearly wipe this out. I'm dreading trying their school shoes on in a few weeks time....however w'll manage.

I'm planning a quiet day today with the kids. I've a long list of jobs to do including biscuit and cake baking for DD's birthday on Wednesday.

Must get started...

Happytogetdebtfree

Morning working the wedding went great it couldn't have been more perfect I wish I could do it all again. I'm so excited to start hammering the debts. We are away in the lakes enjoying some relax time and the debt crunching starts. Seems like u are cracking on x

elantan

well i had been debt free before but i got back into it due to business etc ...but i was wondering if maybe one of the reasons i got back into it was because i didnt have a forward plan ...so this time i think i am going to have to up the gears on getting mortgage free and save for a car we really need a new one soonish ...and then i think i would like to start saving for holidays or experiances i havnt quiet worked out what it is i plan on doing yet but i am giving it some serious thought ...was hoping you would have the winning formula lol ...