No Rain, No Rainbow

Mum.Wife.Me.

Blue_Monday_girl wrote: »

Newbie here also I’ll be subscribing to your diary, it sounds like we’re in similar situations.
Good luck with smashing your debt :T

Thank you! I took a peek at your diary last night!

We can do this x

Mum.Wife.Me.

BabyStepper wrote: »

Hi there and well done for getting started with the debt busting.

When I first started in May this year I had a few expensive commitments like days/nights out and things that I realised I just couldn't afford any more. I didn't want to let anyone down so I decided to keep those commitments but try to do them as cheaply as possible. It worked out fine. Paying for your holiday with extra income is a good start. Where are you going on holiday? Will there be options for self-catering? Packed lunches? Free days out? Can you take food with you and manage on your usual food budget?

Good luck. I've subscribed.

Thank you!. We are inclusive so food / drink etc won't be a problem. I will be looking at what there is to do actviity wise. We are going with friends and that can often be the tricky part when you have different budgets but i'm sure with some planning we will be fine x

Mum.Wife.Me.

YORKSHIRELASS wrote: »

Hi

I am sort of in the same position as you, although I have been here for a long time! My debts have gone up and down over time but I have never fully paid them off (and like you are very good at shuffling them around). This year was a big year for spending, we have helped our adult son out and had to borrow money to do it (which I dont regret at all), we also went on holiday and had to buy a new(ish) car.

This has left us massively in the red and something has to change. I desperately want to be able to live without credit for a whole year and reduce the balances. I am realistic, I know its going to take a long time but I am feeling optimistic - even though my budget for January is terrible!

I also like spending money and buying things. I have struggled with this for years but it has to change otherwise we are going to end up in a mess. We have a nice house and I have more than enough clothes so a lot of what I buy is just unnecessary.

So I will tag along if that's OK!

Yes please do tag along!

My debt has gone up and down over the last 10 years, this is probably its highest though, although I would never have guessed it!

We'll get there! x

Mum.Wife.Me.

So last night I fell asleep dreaming about numbers! I also worked out that if I pay £6 a day off the credit card it will be paid off by time the 0% ends. £6 is amazing, I can easily waste £6 a day! So I will be looking at some no spend days, taking packed lunches to work, parking fruther away from work (for free) etc and any money saved will go straight off the card. We were also lucky to get some restaurant vouchers for Christmas, we have 4 different vouchers in total so we are planning on using these for "date nights" and not spending any money!

Last year I started doing surveys, some felt quite tedious and never ending however I have checked my accounts and I am going to perserve with them until I reach the withdrawal threshold, I am only £1.20 away on panelbase.

Off to de-christmas the house now and to take the tree down.

Have a good Sunday everyone!

YORKSHIRELASS

Hi all

Been out to my parents for lunch which was lovely (and of course a free feed!).

MWM love the idea of breaking the goal down into an amount per day, you are right £6 sounds do-able.

I have been looking at our food spend which has averaged £455 a month this year (ignoring December which was a silly amount). I do mealplan and cook from scratch but we are 4 adults and rarely eat out or have takeaways.

However, if I can reduce that to £400 a month or by £14 a week then that would pay off one of my small debts fairly quickly. Not sure if its possible but I can try.

I have cancelled my Spotify subscription which embarassingly I havent used for ages and cancelled my Pilates class and instead upgraded my gym membership to include classes (even though the timing isnt as convenient). This is a combined saving of £25 per month.

Have also listed a couple of things on ebay (neither of which I expect to make much out of but it all helps!).

beanielou

Happy shiny new diary

dfwprincess

Will be joining you everyone on here seems so lovely, and we will be here to cheer you on.

It will be a rollercoaster, and I'm just starting out also, but small baby steps and we will get there! Even if we have to take the scenic route

Mum.Wife.Me.

dfwprincess wrote: »

Will be joining you everyone on here seems so lovely, and we will be here to cheer you on.

It will be a rollercoaster, and I'm just starting out also, but small baby steps and we will get there! Even if we have to take the scenic route

Hi, thanks for popping by, I had a little read of your diary last night too, its so encouraging seeing how motivated people are, it really spurs me on, I know it won't be easy but it will definitley be worth it and like you say, having so many lovely people round helps too!

Homegrown0

All the best for your debt clearing plans- sounds like you've got both motivation and a good plan in place.

I've been chipping away at mine for the last year so I'm hopefully on the home stretch in 2019.

Mum.Wife.Me.

So its just dawned on me this evening that today has been a no spend day - hooray! I am also massively proud of myself as my girls and I were unexectedly invited out tomorrow afternoon. I really panicked when I got the message as I knew it would cost me £30 - £40 easy, however I was able to politley decline!

I now have £33 in my Oh My Dosh account and £5 in my prolific account. I have another couple of survey sites that have no yet reached their threshold yet but I will keep working on it and its all money that will go towards the holiday!

Christmas has been packed away for another year and the cleaning regime will resume tomorrow, I've really let things go lately! Looking forward to abit of routine again. Feeling positive for 2019!