£121K debt payoff - challenge accepted

april_hunt

I’ve literally just read this to my husband and we were so shocked but amazed on how your doing! My husband is in debt and it’s slowly coming down. I’m so determined to put away more money instead of wasting and invest it in the long run. I do have to pay my mum back for helping towards our wedding but your diary and reading it has definitely pushed me to carry on what I’m doing!
You should be so proud and good luck! Look forward to reading many more posts x

parking_question_chap

Have you considered offering your services as a private tutor? Due to the state of some schools this is getting quite popular. I would probably knock the online surveys on the head. This is a massive debt and I personally feel your time would be spend looking for a job of some decription either employed or self employed.

savvysarah

april_hunt wrote: »

I’ve literally just read this to my husband and we were so shocked but amazed on how your doing! My husband is in debt and it’s slowly coming down. I’m so determined to put away more money instead of wasting and invest it in the long run. I do have to pay my mum back for helping towards our wedding but your diary and reading it has definitely pushed me to carry on what I’m doing!
You should be so proud and good luck! Look forward to reading many more posts x

Ahh thank you! That is lovely! I genuinely feel like the least inspiring person on here (mainly for getting into this situation in the first place) but I am trying really hard with this, so thank you And good luck with your journey! I will attempt to find your diary for a read xxx

savvysarah

parking_question_chap wrote: »

Have you considered offering your services as a private tutor? Due to the state of some schools this is getting quite popular. I would probably knock the online surveys on the head. This is a massive debt and I personally feel your time would be spend looking for a job of some decription either employed or self employed.

Hello! Thanks for your reply. Yes I've considered tutoring, but locally there isn't much call for it at all. I'm lucky enough to live somewhere where all the schools are good (hence v low staff turnover), with no grammar school pressure or anything. People are generally very laid back about schooling, there is a large homeschooling/unschooling community and people generally seem to want their kids to be doing other things after the school day. Which I love for living in but it means job opportunities are limited!

However, I've just discovered tutoring online - this terrifies me but I'm trying to pluck up the courage to go for it!

Totally agree on the surveys, I've already scaled it back to just 2 websites, and I'll keep it ticking over at this time of night when I'm too tired for anything else but no other times.

savvysarah

Very quick update as I'm EXHAUSTED and need to get to bed early....we are now on £0 and we have 8 days to go until payday. All bills are paid. Husband needs fuel for the next 2 days of work, so I sold something which was collected today, £20 will cover that. We have enough food until the weekend (and probably more to be honest, we'll just need fruit/veg).

Next challenge, to raise enough ££££ for a little present for a party Middlest is going to on Saturday. I've got loads of things listed today but it seems like people want toys, so I'll get listing a few tomorrow morning. We are SO determined not to use the cards this month!!

Happy Wednesday all!

savvysarah

Evening!

Well the last part of this month has been a rollercoaster, it is such hard work emotionally being broke, I'm really having to dig deep for reserves of energy to keep going, and to try to stick with the plan. Unfortunately we've had to use the credit card, once, for £30 at the supermarket. Things just haven't sold as quickly as we've needed them to. If it was just me and husband we'd have kept going until payday (Friday) but we were completely out of fresh fruit, most veg, all dairy, and we have 3 kids to keep healthy. I'm trying to stay positive though and remember we've paid off over £2K of debt this month, so if we keep to £30 we're not doing too badly.

I'm now waiting for the tenant in our rental to pay the rent, it was due yesterday :eek: This is common, and I find I have to chase the agents to chase her, so I'll get on that tomorrow.

Me and husband (husband and I? I never know) have been making plans for Christmas, and really trying to keep spending super low. I've found Waterstones presents that will cover 1, maybe 2 family presents, and Boots points that will do 2 or 3. We've agreed to not swap presents with sister and brother in law who are also struggling financially, and the half of my family who never bother to see us (and miss all the kids birthdays :mad:) are just going to have very small gifts.

The children have tiny wish lists (I love them :A) so are going to be delighted with anything really, its still about the magic for them all. And their visit to Santa was booked ages ago so that's not a worry.

So, all in all, we're totally broke but we're a week nearer to pay day than when I last updated and I'm feeling slightly more upbeat. Fingers crossed for rent soon.

Does anyone have any recommendations for lightweight kids bikes that won't break the bank? Its all Isla and Frog amongst my friends but there's NO WAY we can do that. So I'd be very grateful for any advice if any of you know stuff Thank you! And happy Tuesday x

SuperMoose

savvysarah wrote: »

Does anyone have any recommendations for lightweight kids bikes that won't break the bank? Its all Isla and Frog amongst my friends but there's NO WAY we can do that. So I'd be very grateful for any advice if any of you know stuff Thank you! And happy Tuesday x

Can't help sorry but might be worth posting a thread here
https://forums.moneysavingexpert.com/forumdisplay.php?s=&daysprune=&f=35

Yes, it is hard work emotionally being broke but I think you're not doing
badly either :) Baby steps and all that.

Happy Tuesday :dance:

savvysarah

SuperMoose wrote: »

Can't help sorry but might be worth posting a thread here
https://forums.moneysavingexpert.com/forumdisplay.php?s=&daysprune=&f=35

Yes, it is hard work emotionally being broke but I think you're not doing
badly either :) Baby steps and all that.

Happy Tuesday :dance:

Thank you!! How have I browsed the boards for so long and never seen that one?!

Declan1992

Hey,

I saw your post on page 1 about looking at firms that may hire you to do marking etc.

My family member took her redundancy about a year ago and she does marking from home. She marks papers etc and it’s not bad money at anything from £15-£40 a throw. Might be worth a serious look?

SuperMoose

savvysarah wrote: »

Thank you!! How have I browsed the boards for so long and never seen that one?!

I'm still finding new stuff and I've been here erm longer than you :rotfl: