If we can get through the next 10 months….

janb5

I know you said you do all the organizing but maybe it`s a thing you can do together and he can do one phone call to credit card companies and you do the next.  Then it`s shared and not just you sorting it all out?

nettyz

janb5 said:

I know you said you do all the organizing but maybe it`s a thing you can do together and he can do one phone call to credit card companies and you do the next.  Then it`s shared and not just you sorting it all out?

Good plan. 👍

nettyz

Went shopping today -stuck to a list and I managed to bag a ‘too good to go bag’ from Morrison’s ready to collect tomorrow. Last time we got one we had enough salad and fruit for a full week so fingers crossed it’s similar again. 

WinterWarrior

Fabulous progress already. Good luck with your plans.
have you looked at Dave Ramsey’s snowball method. He advises hammering the smallest debt until it’s gone, with minimum payments on all the rest. Others go by tackling the highest interest rates, but I like going for the smallest one each time as you get a boost every time another card or loan is cleared.

nettyz

WinterWarrior said:

Fabulous progress already. Good luck with your plans.
have you looked at Dave Ramsey’s snowball method. He advises hammering the smallest debt until it’s gone, with minimum payments on all the rest. Others go by tackling the highest interest rates, but I like going for the smallest one each time as you get a boost every time another card or loan is cleared.

Thank you 😊 Yeah I looked at that. I definitely like the idea of paying off the three smallest first just to tick them off but then going to move onto the highest interest rate ones and take it from there. 

The too good to go bag I got from Morrison’s yesterday was full of vegetables which is great as I hadn’t done a veg shop at Lidl on the off chance. We wont have to buy any salad or veg for the week and we’ve enough meat and fish in the freezer so other than milk and cat food we should be able to avoid the shops. Fingers crossed I get to snaffle another bag next weekend too. We’re away next Sunday at my god daughters postponed 18th birthday  so the money we’ve saved on food this week means I can get her a nice present without worrying and will cover the cost of petrol there and back. Hoping for at least four NSd’s this week too. 

WinterWarrior

Have you thought about joining an NSD challenge thread? 

This one is lovely and friendly… https://forums.moneysavingexpert.com/discussion/comment/78509927#Comment_78509927

in_need_of_direction

Ten months is nothing, it’ll completely fly past.  Looks like you’ve gotten things off to a good start. Well done.

nettyz

WinterWarrior said:

Have you thought about joining an NSD challenge thread? 

This one is lovely and friendly… https://forums.moneysavingexpert.com/discussion/comment/78509927#Comment_78509927

thanks - just joined up 

nettyz

I’ve had a gold account with Lloyds for over 10 years.  I was told I needed to upgrade to a gold account as a condition of getting an overdraft. looking at this site I’ve found that I might have been miss old so I’ve filled in the template with resolver to see what happens next. Hopefully Lloyds won’t suddenly take my OD facility off me as a punishment. I’d rather cut it down £50 a month rather than it suddenly be stopped. 

Well we’ve move £800 to a savings account for this months chunk towards uni rent. It’s in an account that takes 24 hours to remove funds from so we can’t just dip in. That’s £1800 in so only one more payment before the first instalments due. 2 months down 9 to go. 

nettyz

We have a hole in our lounge carpet, I’ve been after a particular rug to cover it but it was £150 anyhow went to homesense today and it’s been reduced to £58 so ive bought it with the money ive been putting aside and some birthday money I had left over. I’m really pleased I didn’t buy it when it was full price and held off till the sale. 

Paid off my vanquis credit card this month so only minimum payments on the others but next month I’m going to start targeting my 118 credit card which is at 34% so hopefully that will be gone by Christmas barring any disasters. 

August is the absolute worst month of the year for birthdays for us and this time round it’s my sons 21st and my niece and my goddaughters 18th add that to my brothers 60th which was at the end of July and it’s just a crazy year. Can’t believe I had my light bulb moment before the birthdays were over …. It’s making it challenging trying to work to a budget 😂