Back with smaller tasks!

Supertryer

Well I’ve tried getting back using my old account and have failed!
I can’t remember my account details, been so long since I used this forum I have ran out of guesses. SO I’ve returned and guess it’s a good start to be a newbie!!

I have managed to get myself a few debts again!!
After becoming debt free on here many years ago and being sooooooo dedicated to it despite a low income from hubby and me being a stay at home mum!
I’m back with 3 debts! Small which is a positive, and affordable!

2020 I will not be getting any further debts! I will be debt free by November!!!!!

My husbands debt free which is fabulous. He has had a bank loan hanging over him which was paid off last month
He however isn’t in the position to help with my debts which is not expect him too anyway!

We do have 2 big expenses needed to be saved for which I’m going to hopefully make a start! A new corner sofa and new flooring for the living room 🙈
I’ve already been earning some money using survey sites and I’ll see how that progresses. I may even pay off a debt if needs be!!

DebtFreeMonkey

Welcome back! You got this. You know what to do and I'm sure you'll get there in no time. In the mean time, I shall be following along for motivation

Supertryer

Thank you!!

I have missed this forum! Now I’m back I am wondering why I stopped!!

Supertryer

Ok so I feel super happy I paid off £100 of debt 3.
This is a debt that has to be paid by November 2020 (BNPL) and so I’m really pleased to have made a start!

I’ve sat down today and worked out that I can pay the other 2 smaller debts off by end of March, and then I’ll just have the larger debt to pay off each month!
These are catalogue debts that are currently BNPL so no interest added. I am going to pay off the lowest as quickly as I can Hopefully by end of feb! Then focus on the second.

SO £100 paid.....£1568.18 to go!!

Supertryer

Well things are going very well!
I managed to pay a bit off of my debts, not updated my signature yet as I’m awaiting to pay another this month then I’ll update them. I like to update at the end of each month!

I’m happy they are at least interest free and will be gone very soon!!
which is why I’m not using saving to clear them, savings for me is very hard as I have no income. So it’s anything spare each month that’s going in the pot! Some months there may not be any so I have to put away as and when!!
our sofa is ripping and 2 seats are broken 🙈
The flooring is vinyl and has started to wear in places slightly and the stupid feet on the corner sofa has marked it (not scuffed/damaged but the colouring has stained vinyl!). I’ve tried everything there is to get it off and it’s not budging at all!
SO if I get a new sofa the chances are it will be a different size and the marks on the floor will show so I can’t get a new sofa and make the floor do 😭

Sarahwithlove

Good luck you know what you need to do and that's great. Keep plugging away and you'll get there. 

Supertryer

SO when I last posted my signature was

£2coins/£26
Savings £431.88/3000.00
Debt to pay 1. £151.49 2. £386.06 3.£859.99

Things have changed. Covid happened meaning I’ve pretty much spent the last year at home doing nothing other than homeschooling and have thrown everything at debt and savings!!
Covid has caused so many issues for so many people, but for me it’s helped massively with spending! It’s taught me I spent totally unnecessary!!! I literally go out once a week to do the food shop that’s it and the money left over is quite shocking!

I feel this is a life long lesson that I do not NEED to pop into home bargains, the range, to the market or the random shop in the high road! I’ve not needed them for a year 😳
For the first time in my life I have savings, and they are rising slowly now  by the week 🎉 
I have to keep going now and not slip 🙈
This is the second time now I’ve been debt-free. I clearly didn’t learn my lesson the first time BUT I sure am going to do all I can to remain debt free this time!! 

Sarahwithlove

That's great news congrats on becoming debt free and looks like you have a good chunk of savings behind you now. 
What's next? Do you have a mortgage? 

Supertryer

Sarahwithlove said:

That's great news congrats on becoming debt free and looks like you have a good chunk of savings behind you now. 
What's next? Do you have a mortgage? 

Sadly we don’t. We rent and are unable to afford to buy here in Essex.

We had hoped to one day be homeowners, but have come round to the idea now that won’t be happening for us  

mark55man

well done - that's a great story - keep us posted on how its going, as more people will see and learn from your success

Supertryer

i can not believe i am debtfree AND have savings.
Last time i became debtfree i still had no money set aside and feel this is where things slipped eventually. I`ve never owned credit cards or used loans due to not having an income and my debts always come via catolgues. 
SO the new rule is if I need it save and buy it outright,
If I cant afford it, I don`t get it!!
My plan is to have several savings set aside to help with this now. I have started with the home savings and i`ll be starting a second for things in general that i may need and not have money spare.