Can I do it by myself?

Lil_Suga

Just looked at my last attempted soa what a mess!!

motivated

You are doing so well. Good on you and keep going. Things will take time to settle financially but you are heading in the right direction :T
M

Buffythedebtslayer

That is fantastic Suga! Well done XXXX

Bingbunny

You are doing so well. Gambling is an addiction and you have changed your addition to money saving. This is good! Keep it up Suga. You are doing this!

in_need_of_direction

Great progress getting completely rid of some debts so early on.

Lil_Suga

A small but necessary task done today...mobile phone bill reduced to £17 approx due to my child taking the phone contract in and heir own name!! £40 pm saved

Lil_Suga

Everything is going swell. Just got a killer of a birthday month!! Four family members!! But I am bargain hunter queen..one bought £10....3 to goooooo!! No gambling of course!! I have one debt that has less than £15 to go, so plan to clear that month end..would do it this month but with these birthdays coming up. Infact if before payday I have anything left that’s where it’ll be going. Slowly but surely I’m making moves ��

mumtoomany

You are doing really well, keep it up, the debts will be gone in no time. I sympathise on the Birthdays. This month I have 2 children, two children's partners, 2 grandchildren all with birthdays and a new grandchild due to be born! Expensive month. Mumtoomany.

Lil_Suga

mumtoomany wrote: »

You are doing really well, keep it up, the debts will be gone in no time. I sympathise on the Birthdays. This month I have 2 children, two children's partners, 2 grandchildren all with birthdays and a new grandchild due to be born! Expensive month. Mumtoomany.

How did you survive on the birthday month? I got creative with pictures and cooking them a birthday meal which turned out to be cheaper than prezzies

Lil_Suga

Okaaaay....we’ll im an addict....not to gambling anymore, but topaying off the debt!! Catalogue 1....gone!! Checked my gas and electric app...arrears now at £237 (was £1000 + at one point) but with the summer months around £90pm was coming off the arrears which is great, obvs winter months are rolling in so reckon around 5/6 months before that’s gone. Will try my hardest not to put the heating on til absolutely necessary. I did switch to a 1 year tariff with the same provider so when that’s ended I’ll b free (no arrears) to see if I can get it cheaper.
Had a £12 off a £50 shop voucher from good old Mr J R Sainsbury’s - Thankyou ( they’re getting cheaper...was shocked I was able to buy 30p shower gel!!)
So CC1 is at £20....so tempted to bite the bullet and pay it off now!!) I need to calm down me thinks!!
Trying something new this month...taking £50 cash out on a Monday which I will try and make last a week...top up shop ie perishables, tobacco (only buy fortnightly £13) school trips, travel (tbh I walk everywhere) etc and anything left goes into my emergency fund..which is 0 at the moment...my goal is 300. Any funds left over at month end to put towards Xmas because every year without fail I do all my xmas shopping in one payday...then I suffer til I he next payday (& can u imagine I was gambling on top!!)....hence arrears, payday loans and the he feeling of not wanting to be around anymore. NOT THIS TIME!!!
On a lighter note...when gas and electric arrears gone and council tax arrears gone ...should be around £150 better off a month!! Looking forward to bashing off some more debt in 2020!!
Sorry for the super rambling I’m excited!!