£121K debt payoff - challenge accepted

savvysarah

Declan1992 wrote: »

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?

Yes definitely, thank you. Do you know who she works for? Don't worry if you don't want to say on here though, I can definitely investigate this

savvysarah

SuperMoose wrote: »

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

Ha! I have been lurking for a while though :rotfl:

Declan1992

savvysarah wrote: »

Yes definitely, thank you. Do you know who she works for? Don't worry if you don't want to say on here though, I can definitely investigate this

Let me ask when I see her this week and I’ll let you know. But I know she does marking from home and does observation of students also and makes 2k+ a month from it for not a lot of her overall time really

april_hunt

You are most certainly inspiring! Everybodies journeys are different that's for sure look forward to keeping up with your diary, I don't have a diary but thank you xx

april_hunt

I managed to get a brand new bike for my step daughter on facebook for free so i've put it away for chrstimas, its definitely worth having a nosey

The present buying for those who don't bother can you not bother with gifts? I've cut our down this year and if i was to cut out those we don't see then that'd be even better lol xx

KellyAS

Wow you are doing amazing!

For Christmas we now only buy for the kids in our family plus my parents (cos they do a lot for us!), that's still 8 presents but better than 14 if we included all the adults. Could you maybe do a secret santa for the adults? Put all names in a hat then everyone picks out a name & buys only that person a present up to a certain value ie £50, that way everyone still gets a present but you're not spending a fortune.

I checked out Jordan Page earlier, she is AWESOME! Will definitely be using some of her tips.

KellyAS

A quick tip for the kitchen, go to one or two of the specialist kitchen places with your measurements, they will design a kitchen for you, then you can source the cupboards etc elsewhere if you want to. Or use the Ikea kitchen planner, it's not the best but gives you a good idea

Moneywhizz

It sounds as if you are doing all the right things to try to turn around this situation and it is hard to give advice without knowing more details but it seems to me that you are not going to be able to sustain living on this very limited budget for very long. You may already have done this but you really need a long term plan to tackle this debt and find the best way of doing it. You need to work out a budget that covers all your normal monthly expenditure so that you are not relying on selling things to have money for basic things like food or petrol. Selling things to make extra money is great and could be used to pay off debt but to reduce your stress levels you need to know that all the basics are already covered. If your budget is really tight then you need to look at the things that you can cut back on while still having some kind of quality of life. I think with this level of debt it is going to be a long journey so you need to make sure it is sustainable and that you have some quality of life along the way. I would never encourage anyone to take the scenic route to paying off their debt but equally trying to live so frugally that it is causing you to be stressed is not a good way forward. If you need help to work out a sustainable budget you are in the right place, even without having to post all your private details.

savvysarah

april_hunt wrote: »

You are most certainly inspiring! Everybodies journeys are different that's for sure look forward to keeping up with your diary, I don't have a diary but thank you xx

Oh phew - I thought it was just me not being able to find it!

savvysarah

april_hunt wrote: »

I managed to get a brand new bike for my step daughter on facebook for free so i've put it away for chrstimas, its definitely worth having a nosey

The present buying for those who don't bother can you not bother with gifts? I've cut our down this year and if i was to cut out those we don't see then that'd be even better lol xx

:rotfl: I'm SO close to cutting them out but I can't quite get to that point, they are very close relatives who have ignored my entire family's birthdays for the psat year but I just can't quite sink to that level Don't worry though, they will be v v teeny gifts!!