sorry been quiet! Between sleeping, eating and two jobs I don't have enough hours in the day just thought I would check in and say hello
Sealed Pot Challenge ~ 15 #070 Target £1000 Pay ALL Your Debt Off By Xmas 2022! #66 £1,650/£4700 Tilly Tidy 2022 £8.38/£500 Saving for Christmas 2022 - £1 a day challenge #03 £8.38/£365
118 Money £1880
Total debt £6193.30 at the very start of DFW Journey. Current debt £2970
I'm back in work at Sainsburys Wednesday until Friday, off and then back in Sunday. My main job I'm not back until January as I used holidays to book them off
I have my booster tomorrow at 3.15 so hoping there's not much of a wait. I had lots of nice things for Christmas. My OH bought the Nintendo switch lite and he got me a Cricut. Im yet to set that up!
Sealed Pot Challenge ~ 15 #070 Target £1000 Pay ALL Your Debt Off By Xmas 2022! #66 £1,650/£4700 Tilly Tidy 2022 £8.38/£500 Saving for Christmas 2022 - £1 a day challenge #03 £8.38/£365
118 Money £1880
Total debt £6193.30 at the very start of DFW Journey. Current debt £2970
Hello! Just an update, I’ve treated myself to a lot of vinyl, I’ve drank plenty of alcohol and I’m cooking a again for family on New Year’s Day as everyone is working New Year’s Eve. Slow cooked smoked gammon yummy! My roasties were such a hit last time I’ve been asked to make some more!
Also, been thinking about the whole quitting my main job thing. I think I’ll do that once I’ve paid the 2K to 118. That way, I can then have a proper savings on the go and not worry about lack of sleep, trying to keep two jobs on the go and have some spare time for myself.
So plan for 2022.
Pay off ALL debts Quit main job and work for Sainsburys (4am until 8am) contracted 12 hours but LOADS of overtime. maybe set up an Etsy shop once I get better at my vinyl creations! learn how to cross stitch!
Look forward to 2022 with all you guys!
Sealed Pot Challenge ~ 15 #070 Target £1000 Pay ALL Your Debt Off By Xmas 2022! #66 £1,650/£4700 Tilly Tidy 2022 £8.38/£500 Saving for Christmas 2022 - £1 a day challenge #03 £8.38/£365
118 Money £1880
Total debt £6193.30 at the very start of DFW Journey. Current debt £2970
You’ve done well paying off so much of your debt. this year.
If you are still managing to work both jobs then I think it would be a good idea to get as much of your debt paid off as possible. Would Sainsburys increase you contracted hours just to give you a bit more security.
You’ve done well paying off so much of your debt. this year.
If you are still managing to work both jobs then I think it would be a good idea to get as much of your debt paid off as possible. Would Sainsburys increase you contracted hours just to give you a bit more security.
New Years dinner sounds lovely.
Glad you’ve been having a good time.
Thank you, ive been trying so hard
Yes if I asked the main manager, she's super nice and I've already asked her is she increasing my contract from the 8th of January as that's when it runs out and she said yes. So hopefully, I can pay off my debts, save some money and finally leave my main job.
Sealed Pot Challenge ~ 15 #070 Target £1000 Pay ALL Your Debt Off By Xmas 2022! #66 £1,650/£4700 Tilly Tidy 2022 £8.38/£500 Saving for Christmas 2022 - £1 a day challenge #03 £8.38/£365
118 Money £1880
Total debt £6193.30 at the very start of DFW Journey. Current debt £2970
Replies
sorry been quiet! Between sleeping, eating and two jobs I don't have enough hours in the day
Pay ALL Your Debt Off By Xmas 2022! #66 £1,650/£4700
Tilly Tidy 2022 £8.38/£500
Saving for Christmas 2022 - £1 a day challenge #03 £8.38/£365
118 Money £1880
Total debt £6193.30 at the very start of DFW Journey.
Current debt £2970
https://forums.moneysavingexpert.com/discussion/6231115/time-to-start-a-fresh#latest
New shiny part two - https://forums.moneysavingexpert.com/discussion/6324288/time-to-start-a-fresh-part-2-2022/p1?new=1
2022 Starting Debt Total - £10752.40 (*Plus £520 - 24/01/22) Overdraft = £10598.79
Virgin CC1 - 0% - £1408/£819 (41.8% reduction)
Lloyds CC2 - 3.9% - £3095/£2084.35 (32% reduction)
Sainsburys CC3 - 0% - £2300/£2093 (9% reduction)
Loan - £6001.33/£1933.75 (68% reduction)
Total = £6930.10 - Paid £7960.60 off debt (53% Reduction)
DFD - October 2023
Challenges
1p Savings Challenge 2022 #19: Jan £22.42, Feb £16.36, Mar £10.81, Apr £15.16, May £1.55, Jun £17.33, Jul, Aug, Sep, Oct, Nov, Dec = £83.68/£667.95
🎄#18 Saving for Christmas 2022 - £600.00/£1000
#6 Pay all your debt off by Christmas 2022 - £4955.20/£8000
Demotivator - Spending
Merry Christmas 🎄
I'm back in work at Sainsburys Wednesday until Friday, off and then back in Sunday. My main job I'm not back until January as I used holidays to book them off
I have my booster tomorrow at 3.15 so hoping there's not much of a wait. I had lots of nice things for Christmas. My OH bought the Nintendo switch lite and he got me a Cricut. Im yet to set that up!
Pay ALL Your Debt Off By Xmas 2022! #66 £1,650/£4700
Tilly Tidy 2022 £8.38/£500
Saving for Christmas 2022 - £1 a day challenge #03 £8.38/£365
118 Money £1880
Total debt £6193.30 at the very start of DFW Journey.
Current debt £2970
https://forums.moneysavingexpert.com/discussion/6231115/time-to-start-a-fresh#latest
New shiny part two - https://forums.moneysavingexpert.com/discussion/6324288/time-to-start-a-fresh-part-2-2022/p1?new=1
Thats a good few days off your had then nice to just chill.
Pay off ALL debts
Quit main job and work for Sainsburys (4am until 8am) contracted 12 hours but LOADS of overtime.
maybe set up an Etsy shop once I get better at my vinyl creations!
learn how to cross stitch!
Pay ALL Your Debt Off By Xmas 2022! #66 £1,650/£4700
Tilly Tidy 2022 £8.38/£500
Saving for Christmas 2022 - £1 a day challenge #03 £8.38/£365
118 Money £1880
Total debt £6193.30 at the very start of DFW Journey.
Current debt £2970
https://forums.moneysavingexpert.com/discussion/6231115/time-to-start-a-fresh#latest
New shiny part two - https://forums.moneysavingexpert.com/discussion/6324288/time-to-start-a-fresh-part-2-2022/p1?new=1
Would Sainsburys increase you contracted hours just to give you a bit more security.
Yes if I asked the main manager, she's super nice and I've already asked her is she increasing my contract from the 8th of January as that's when it runs out and she said yes. So hopefully, I can pay off my debts, save some money and finally leave my main job.
Pay ALL Your Debt Off By Xmas 2022! #66 £1,650/£4700
Tilly Tidy 2022 £8.38/£500
Saving for Christmas 2022 - £1 a day challenge #03 £8.38/£365
118 Money £1880
Total debt £6193.30 at the very start of DFW Journey.
Current debt £2970
https://forums.moneysavingexpert.com/discussion/6231115/time-to-start-a-fresh#latest
New shiny part two - https://forums.moneysavingexpert.com/discussion/6324288/time-to-start-a-fresh-part-2-2022/p1?new=1