5 years to finally clear these debts

YORKSHIRELASS

beanielou wrote: »

Blimey.
That is truely dire.

I suppose I am different as I have a disability that means I have had regular pyhsio since being small. I have never heard of such a poor initial appointment though.
So well worth going for the private in this case.

I know, and I dont know if its because we are a very rural area - or whether it is true of other places, but most people that I know accept that if you need to see someone like an osteopath or chiropractor you have to pay for it.

Been out on the bikes (hard work) now sitting with a cuppa and starting to feel a bit sleepy. Going into town for a few bits of shopping soon then not sure what else is planned. Need to decide what's for tea.

Igamogam

Now I have had the opposite experience with private v NHS physio...private was useless and bloody expensive. NHS was fab and got me prioritised on the orthopaedic waiting list....10 weeks wait instead of 44!

YORKSHIRELASS

Hi everyone

Just done a proper calculation of finances, which is the first thing, I am not keeping track as carefully as I should. However, its been a funny week and we have had family visiting so this has inevitably caused a bit of extra expense. We have also had a visit to a University with DS2.

The good news is that I have really kept spending to a minimum and I am so pleased with my food spend - £285 against an average of £450 per month for last year. Not been easy, but its clearly possible to make big savings here.

I think what I am learning is that small savings add up, and being really careful with the spending doesn't have to mean sitting at home and doing nothing, so it all feels really positive.

PurpleUnicorn

Good luck. Will be following, I am looking to clear mortgage and debt in the next 5 years or less.

beanielou

YORKSHIRELASS~~that is a great amount to save on food~~ well done

System

Subscribed and loving so far!

YORKSHIRELASS

Just home from a night out for a friend's birthday. I took a deep breath and said that I would love to go out but couldn't afford to spend much. My usually spendy friends all agreed that they would love a cheap night so we went to a local pizza place and ordered three big pizzas between 6 of us, so with a couple of drinks I spent £16, then got a lift home.

Glad for a week without birthdays, family visits and such like next week!

dawnybabes

Hello fr9m wes5 Yorkshire.

I think most people are still skint from Xmas but don't want to admit it !

jwil

I also think a lot of people would prefer to have a cheaper night but don't want to admit it!

pidge04

Hello! Just read your diary. Wishing you well with your 5 year plan. It's definitely the small savings that all add up and change things so well done with getting your food shop down. Good luck!