Debt free Lightbulb moment.

mark55man

Well done - its a battle 3 steps forward 2 steps back most days. And so it really helps if you can avoid a relapse - although you would get over that too

Blue_Monday_girl

I’ve had abit of a wobble financially this week. I think a lot was down to the fact we’ve not planned any meals at all. So we’re a little all over the place.
Time to sit back, take stock and try again.
Thankfully we’re still in the black (just) but was hoping to pay more of the debt back.

mark55man

a 2 steps back week - lets make next one a 3 steps forward

Blue_Monday_girl

mark88man wrote: »

a 2 steps back week - lets make next one a 3 steps forward

Thank you

mark55man

Blue_Monday_girl wrote: »

Thank you

you're welcome - sorry rereading that sounded a bit naggy. having an off week is par for the course when you are in the long slow process of repayment

SpekySquarehead

Blue_Monday_girl wrote: »

I’ve had abit of a wobble financially this week. I think a lot was down to the fact we’ve not planned any meals at all. So we’re a little all over the place.
Time to sit back, take stock and try again.
Thankfully we’re still in the black (just) but was hoping to pay more of the debt back.

It happens. At least you've recognised it and can try to avoid it happening again in the future. It can be hard when there's more than one of you, but put together a meal plan for the next 3 or 4 days, covering everything, cross check with what you have and visit the SM. That should keep you from visiting often and perhaps falling into the trap of impulse buys.

Keep the head up.

Blue_Monday_girl

Payday today:j
We’ve managed to pay off 5.17% of the debt this month (so my debt app advises). Not bad going but would have liked to have paid more.
Thankfully February is a shorter month so maybe we’re do a little better.
It’s my youngest birthday this month. He wanted a bike. We’d normally have gone out and splashed out adding to our debt but this year we’ve brought a second hand bike which was in good condition but the hubby has been out each evening priming and spray painting it etc. It’s looks brand new with flashy metallic paint and cost us a 3rd of what we’d normally spend. :money:
#inforthelongrun

SpekySquarehead

That's brilliant work! Excellent idea. Well done to you both.

Blue_Monday_girl

SpekySquarehead wrote: »

That's brilliant work! Excellent idea. Well done to you both.

Thank you. I really feel we’re getting into the swing of money saving and debt repayment. I’m logging into my bank account every day and checking our credit card statements weekly. I’m also looking at the MSE forums daily for inspiration.

Well the entire household have caught a bug or cold at some point in the last 2 weeks. I love cosy nights in with the wind and rain blowing outside but am now very much looking forward to spring.

I’ve been debating with the hubby if we should be putting food aside in case of a no deal Brexit. After reading the Brexit thread on here I think it might be a good idea as we will eat it in the end anyway....I will start a list this weekend of extra tinned food to store away should the need arise.

Spent most of the evening sorting out balance transfers to ensure all debt is on 0% cards. Feel better now that’s sorted.

Anyway we will continue to keep our heads down and slog through to the end of the month. Trying to pack as many no spend days each week as possible.

mark55man

the secret to[STRIKE] panic buying[/STRIKE] planning ahead is to start planning before everyone else does

we already have a little - I'm not buying a years or even a month food, but we have enough for a week or so - mainly rice, tins and stuff for bread

I don't beleve in wholesale disruption to our infrastructure so not stocking up on water / worrying about electricity- just enough so we can get by for a few days if it all goes a bit (more) wrong - filling up the cars at 1/4 tank so always got enough for local journeys