Becoming debt free within 18 months

Getridofdebt66

Such a bright sunny morning, i have had a lovely lie in for a change, 10.5 hours sleep for me and feeling refreshed. 

I have the carpet cleaner but i need to get the liquid for it and some polish i forgot, i also have my food shop coming, £37 spent with the other £8 i spent in the week i have £37 for the rest of the month until payday which is 15 days, i think it could be done. Next month i am taking £40 cash out of the bank and that can be a little  slush money for me, so if i waste that i will be fine it gives me a little budget to spend how i please, of dd wants a maccies i will use that etc i will have £10 per week. As i think thats part of my problem not having a set budgetbfor the little treats.

As i have had a lie in and its getting warmer already my list wont be as long today:
All food from stores
Buy polish and carpet cleaner
Get petrol 
Wash 2 pairs of curtains, dry, iron and put back up today
General housework
Put food shopping away
Put dry washing away
Spend the day mostly in the house and garden (except for the bits i need above)
Contact energy provider about smart meter
Take gas and electric readings
Look for a recipe for OHs birthday he requested

I think thats it for now i am going to get up and have a drink and make a start on the day.

Getridofdebt66

Well its another very hot day here...everyday is becoming very similar to the last. All i am doing now to cope is sleeping i also have got fans on a lot more causing my electricity but i feel it will affect my health not having it on so needs must sometimes!i didnt post yesterday but i did get petrol, collect  a parcel for OH, go to the gym (mainly for the air con) my friend popper around and £2 extra spent on some frozen chips. Not a wild day but somewhat successful.

I need to get up this morning and carpet clean my living room carpet...but it does involve getting out of bed! I feel bad as i should be enjoying the sun but its too much for me i think if it were 5 degrees cooler i would be fine. I am going to try and do some bits this morning then spend the afternoon in the garden aka the pool to keep myself nice and cool. 

Todays plans 
Change bedding
All washing dried outside
Carpet clean the downstairs carpets
Take gas and electric meter readings
All food from stores 
Visit from the in-laws 
Nsd today 
General housework
Work out exact debt free date...and maybe look at dates for a big holiday for when we are debt free.

Whilst the list seems short for me i feel the carpet cleaning is gonna take a lot longer than i anticipate and with the heat im leaving my list there for today.

Getridofdebt66

A not to bright or hot Monday morning here, i never thought i would say this but it is welcomed, it was much cooler last night, we still left the fan on but i slept much better. 
Yesterday i had a day off due to celebrating OHs birthday, £40 spent on a few little bits and a cake and £25 spent on a takeaway, I thought that was ok and he had a lovely day. 
Today as its cooler i feel like i can really get some jobs done, my house feels like it needs a good tidy up from top to bottom.

Plans for today
Nsd
Clean the house
Polish all through 
Last load of washing in already to be dried outside before it rains later
Put my mountain of clean waahing away
All food from stores
Finish cleaning one carpet
Take electric and gas readings 
Work out debt free date

Thats all for now to make a start with

Getridofdebt66

Today has been somewhat successful just not on the nsd idea, oh brought some bits for the house and i went to collect, i got brought a new jug as my last one broke, 50p and some reduced battered lights for dd. Then went to collect the second item and spent £15 (all reduced) on bits for the spare room window sill, some photo frames that were £2 each to finish off dds room, they are mirrored rose gold finish and look gorgeous reduced from £8 each! Everything put away and just finished off nicely popped in £1 shop for a packet of batteries and another cheap photo frame spent £3 including an energy drink thats has full cashback on my app so claimed that already. Then i went to my favourite surplus shop when things are usually cheap but they were reducing allsorts down i got 52 items for £28.86, i worked it out online it would have cost me £98.85 to buy it all from the shops everything away in the freezers and nicely stocked up ready for next month. Now bargains are usually my downfall but 14 meals of mains in that so half my meal shop done for the month. I am now down to £9 for food this month on my budget for 12 days but i am stocked up so should only need bread milk and dog food even if i dont do it i will reduce next months shop accordingly.

Right i am off to enjoy my lasagne thay should have cost an eye watering £4.50 but i got for 90p...only i like this meal so rarely have it unless its from my surplus shop! 
Housework all done only need to work out debt free date and meter readings then i have done my list for today (except the nsd) 

Getridofdebt66

Meter readings done and sent despite being so good its not looking very good i blame the dodgy smart meter hopefully this should be rectified next week with a new meter.
Also calculated my dfd going by my current payments...june 2024 atm and I am happy with that, cant wait until Septembers pay when i can start snowballing...

Getridofdebt66

Still a bright morning here today but getting more ans more manageable! 

Yesterday was very full on and very productive, i got lots done and the house looking a lot better. I also had my bargains and had some quality time with dd. I managed to clean all my upstairs carpets yesterday and feel so much better for it as it looks amazing. I am also feeling much better after plotting exactly when my dfd will br and also the snowball payments i will make each month and for how much, i am going to input this in my phone so i can easily look and always have it to hand to keep me going.

My energy statement has just been sent to be after my readings yesterday, tbh it wasnt as bad as i calculated I am not sure how it is lower as i am usually on the money but I am not complaining and i am hoping once i have my new meters it will start being much better and I can control it better like I have done previously.

I also want to start decorating this week so i am going to sort out the paint needed for each room, tomorrow  i will need to get some brushes and rollers.

Todays plans
Nsd - this will happen today! 
All food from stores
Visit a friend we havent decided who is going to whos house but oh is in the middle of lots of work at home so i eill see if me and dd can pop there
One load of washing, will try and dry outside if not on the airer
Dd has club later will take drinks with us 
Put clean washing from yesterday away 
General housework
Book an appointment for my hairdresser to come before i return back to work.
Plan and book in this weeks gym sessions, i am aiming for Wednesday and Friday this week.
Sort out some paperwork and applications for oh.

My list seems long but its actually quite an easy one today, which affer yesterday is needed, i was rushing around yesterday even oh told me to stop.... i am quite looking forward to starting decorating this week just to give my home a boost of freshness bmready for the winter.

Getridofdebt66

A gloomy and cool Wednesday over here today! 
Yesterday was a lovely but quiet day, visited a friend and i did most of my list except for the paperwork for OH but I will sort thay later this afternoon. I have updated my calendar with all the overpayment amounts until I have paid off my debts, it is looking lovely . I also have £19 in my cashback app I am going to transfer over it may conw down to £18.50 with fees but it will help bump up my food budget so I will have £26.50 for food budget until next Friday when I get paid.

Today wont be a nsd as I have an appointment shortly and will need to pay 40p for parking i also need to pop.and get some paint brushes and 2 rollers for the decorating, i will start glossing the woodwork this afternoon in the living room ready to paint the walls hopefully tomorrow, it is not a full redecorate as we cant afford that just freshening up the walls with what i have.

Todays list
Lsd, aiming for £10 in total
General housework
Load of washing in the washer hopefully to dry outside if the rain holds off
Appointment shortly
Gloss the woodwork
Gym tonight 
All food from stores

Getridofdebt66

A bright but chilly morning here! Yesterday was very successful i managed to get most of my list done, except start the glossing, this is going to be my job for today. 

I have also started doing competitions i am not sure how many people usually do but I thought it is something j can spend half an hour a day on and hopefully i may win something.

I am really enjoying my holidays however my sleeping pattern is shot, this is something i need to start to improve on from next week to try and get back into a routine.

Todays plans

Nsd 
All food from stores
1.load of washing and dry outside
Gloss woodwork
General housework
Movie evening with dd.
Register for free swimming for dd dueing the holidays, as she wants to go swimming next week.
Half an hour doing competitions 
Make some plans for next week so dd doesnt get bored.
Start thinking of meal ideas for the meal.plan and shopping list for next week, payday in 8 days time it is getting close!

I suppose i best get out of bed and actually move...all the way to the kettle to make a cup of tea!

Getridofdebt66

I have had a busy day, i started glossing, i ended up glossing and painting the whole room it needs another coat (I am hoping I have enough paint or another paint thats like this colour as I am loving how it looks already. OH has said he will buy a new tin of the same paint if we need it. Tomorrow i am hoping to finish it all off but i am taking dd swimming (our local leisure centre not sure if its national has free swimming for kids in the holidays) so will only cost for me and also for some petrol as i am nearly out again...its never ending with the petrol prices. Not done much housework  other than cleaning up but happy with everything else i have done decoratingwise.

Right i am going to watch a bit of tv before bed.

Getridofdebt66

A nice and bright morning here! Lovely to see some sunshine, i will get a load of washing in to make the most of the nice weather. 

I am feeling very achey today after all the painting yesterday, i could feel it before bed so i did some stretches ans that helped me last night so i think i need to do a few more this morning.

Todays plans
All food from stores
Msd - swimming for me and £20 petrol
General housework
Sort out paint to see if i have a similar colour for the living room
One load of washing and dry it outside
Gym this evening
Half an hour of competitions
Help dd make some cookies.
Make an appointment
Complete 2 different sets of paperwork, one for council one for studying.
Sort food cupboards out as full of random half bottles.

I think thats enough to get me started for today.