Debt free Lightbulb moment.

SpekySquarehead

mark88man wrote: »

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

Yeah, I'm the same. When it comes to the end of the week, my cupboards and fridge look completely empty, but I'm content in the knowledge that I'm not needlessly overspending on groceries which will lie there for weeks/months/years. I buy what I need, only.

Blue_Monday_girl

Well I’ve brought enough food to last the family a week or so. It will all be used anyway in one way or another. I think it’s the unknown of how Brexit will effect everyone - I also remember the panic over computers and the millennium bug and that didn’t come to anything

Still sticking to the debt busting plan - hubby had some bad news that his company now won’t be supplying him a company car and he’s current drive is on its last legs. He’s pretty handy fixing it but it’s getting to the point where we’re spending good money after bad...were looking around for a cheap run around - I like the look of a Dacia but he’s a complete car snob....I’ve told him he can be a car snob when we can afford it :rotfl:

Blue_Monday_girl

Debt slowly going in the right direction. Just updated my signature line.:j

mark55man

always nice to get onto the next thousand

Blue_Monday_girl

Couldn’t agree more:)

Blue_Monday_girl

It’s been a bit of a tricky month. An unexpected vets bill of £300 for one of the dogs plus our eldest child’s birthday. We’re in our overdraft but hopefully we’ll be out of it next month. No debt repayments though which is not great....
Finally get paid at the end of the week. Not sure if I should concentrate on building an emergency fund before tackling the debt in case anything else arises.

SpekySquarehead

These things happen. You've got to roll the punches some times but as long as you stay focused, you'll get there eventually.

Blue_Monday_girl

Just sold our car as other half now has a company car. Extra money in the pot to go towards debt repayment. We’ve kept to the plan as much as possible. Even with a few bumps in the road. Onwards and upwards. Will update signature now

findingthisdifficult

Well Done Blue Monday, making good progress!
It's definitely worth trying to build up an emergency fund so that when unexpected things happen, vet bills, appliance breakdown etc you have a fund to fix/replace instead of using credit.

Blue_Monday_girl

Well we’ve really cut down most of our spending to the minimum we can get away with. Current debt now stands at £17542.00. This includes selling off a car and some eBaying. All shopping is done in Aldi. To be honest we’re contemplating remortgaging again just to clear the monthly pay outs. I just don’t know what else to do as it’s becoming so stressful every month.
We’ve checked all the bills are with the lowest providers, we take the children out only to low cost or free outings.
My daughter rides once a week and also has a tutor once a week. It would devastate her if we knocked this on the head.
Any advice welcome.