Becoming debt free within 18 months

WinterWarrior

Excellent money saving. A no spend October sounds brutal! 

Getridofdebt66

Hello @Squirrelz92 i hope your well, debt busting is going ok, just plodding along. I am looking forward to November when my water bill is paid along with dds Christmas present last year that will be £150 a month i can start really snowballing my debt and hopefully start to see results sooner...

Today didnt go as plan this is what i have done
£30 petrol - done
Buy frozen veg using nectar point £1 budget to spend -done
Make banana bread
All meals from stores - done
Take dd to club and take drinks with us.-done
Oh at work, so finish watching a film me and dd started in the week, under a blanket. - done
General housework
Change the beds to warmer bedding - done
Keep energy under £4...this is currently working as oh is managing to dry everything outside in the day! - done the energy but did no washing.
Put clean washing away
Clean my car inside...this is desperately needed!
Dry all washing outside if possible 
Do 30 mins on surveys
Find an outfit for an event on Sunday...small family gathering = free food will buy me and dd a pop each whilst oh at work and we will then have an afternoon out for less than £5.

I am not sure where my day when but it seemed to fly by. Some things will rollover tomorrow and some for Monday.

I did spend an extra £17 today on some bits for over the bank holiday felt bad afterwards for a stupid spend but its done now will try and make that in surveys before payday. I also have started on Christmas using minted.... 😉 managed to get my niece some new jeans, £4.20 delivered and dd some new clothes approx £160 worth for £23 a nice little haul to make a start, i also got my mom a new jumper for £5...tags say £12. Whilst it may not be from shops they are new and the only way i can afford anything this year. Next month i will focus on mil and fil, along with any extras for dd, will budget £30.

I also got told about a scanning app that tells you reduced items in b%m so I will look at that for the next time i am there.

Tomorrow's plans 
Take dd to club £3 to spend
Washing and dry outside 
Keep energy under £4
£5 to take with me to family gathering for drinks
All food from stores
General housework
Make a banana cake
Find something to wear for tomorrow 

I will say my heating went on tonight for half an hour, it cost 11p and it was really cold tonight with fluffy pjs and i wont let dd be cold. Still at £55 for the month so far, i am hoping to keep it under £110 a month if possible atm. 

Getridofdebt66

Thank you @WinterWarrior no spend October sounds hard, my plan is fill my petrol tank on payday, £300 budget for food and £30 for Christmas presents. I will withdraw £20 cash for dd club then i will leave all cards at home. I am also going to be using reward apps, i have some free food at maccies for a treat for dd. And that is it completely, i should have a survey voucher at some point but i will use that as an additional £20 towards dd Christmas presents.

Getridofdebt66

Today has been a lovely day, had to get some foundation as i am completely out this morning along with some toiletries i got caught out on, this will not happen next month and i will inventory all.
£20 spent but £8 saved on miltibuys, sometimes these can be a downfall but £9 for a foundation or 2 for £12 so i know i am good to go for approx 12 weeks...hopefully! 
Spent £6.10 at the party as drinks were much more than i thought, that was for 2 cokes...eye-watering. Thankfully my mom brought me and dd another drink so not too bad, also came home with 3 trays of leftover buffet....that is our tea today and what's left will be for me and dds lunch tomorrow, also got cakes and biscuits brought back but they will be eating rapidly.

Done all my list except housework as oh has done it all and make the banana cake, i dont think they will be any good after today so i will make up a quick one after a shower l.

Was lovely seeing my family as i dont have as much time as i would like but as oh says they know where we live, it wouldnt stop anyone popping in here! Its bittersweet i think.

I plan on having a shower, making a quick banana bread, buffet picnic tea and then relaxing so i can make the most of the bank holiday.

Tomorrow, my day isnt really planned much, i need to pop some tickets to a friend she asked me to order, oh is at work so just me and dd for tea. Plan a nsd along with ironing and prep for the week ahead along with some work work i can do at home as i have a pdf converter at home and will save me hours compared to at work. Need a personal pamper session too to tidy my face and try my new cleanser from a trial i am on, quite looking forward to it. I also want to clean my car as it looks so unloved atm and i am sick of the mess and putting away my mountains of washing...its never ending in this house.

Getridofdebt66

Today has been another successful day, £4.58 spent but oh transferred me £5 for it as it was for dd so nsd for me! 
Done all my jobs except the banana cake i just didnt have enough time in the day today. Energy is high at £5.30 but as the weather changed i needed to put a load in the dryer and the heating was on for an hour earlier will try and aim for 3 days at £3.40 to average it out a bit for the week. I jumped in the bath after dd so 2 baths from 1 tonight. Emptied my car of the rubbish it does need a vacuum but that can wait until the weather is dry. I visited my friend for an hour it was lovely we had a nice catch up, feel like i have had a productive but relaxed day as i haven't rushed about which is how i would like all Mondays to be....maybe one day.

Back to work tomorrow, everything all ready to go.

Tomorrow's plans
All meals from stores
Work all day
Take dd to club and take drinks with us
Put some more clean washing away
General housework
Speak with oh about decorating the kitchen and hall over the next weeks with what paint we have in the shed
Send an email about studying off

Thats all i am going to be out most of tomorrow with work and dd club so not giving myself too much of a list. Will try and check in daily if i can.

Getridofdebt66

Yesterday was a lsd as we ran out of breakfast bars for lunch boxes. Today I am aiming for a nsd, i dont need anything. I will need to go over food budget for a click and collect to last me until payday on Tuesday, i am budgeting £30 for this as i need fresh stuff and dog food. I will do this order tonight for collection tomorrow after work.

Today i am at work, but other than above i am planning a relaxing night, i need to iron tomorrow's uniform, as it wasnt all dry on Monday for me to do the weeks worth. I also want to make a start on my monthly meal plan with some new meals added including all day breakfast as that always goes down well in our house and easy to do.

Right i best get back to work.

Getridofdebt66

A busy few days here! The weekend was busy but fun, had a day out yesterday, tickets were sorted so just some food there, £21 (it was chilly so needed something warm and sandwiches werent cutting it) £8 parking and a slushy £4. It was for dds birthday day out i can cope with £33 spent and petrol but oh paid for that.

Waiting on a new bank card so using ohs bank and transferring the money over tbh its working well.

Today is payday so a big spend done, petrol for the month and a loaf of vread £95.50 spent, as i budget £95 for petrol i will take the 50p over to the food shop.

I need to do my list and make my big order unfortunately it is late now not sure if i will get a slot for tomorrow but we shall see 

I also want to get a few bits for dds birthday, plan on spending £50 then i am done and starting my no spend October.

Today i have
Got petrol
Put mountain of washing away
Been to work
Polished downstairs (ran out if polish so that was my excuse to stop there 😉 )
Vacuumed downstairs 
2 loads of washing done as it was piling up and had to dry in the dryer - energy is shocking today
All food from stores
And thats it but still quite busy considering i didnt get home until after 5!

Getridofdebt66

Today has unfortunately been another money spending day energywise, but i am hoping once we have caught up with the washing and drying and i get over this bit of a cold that keeps trying to come back we will be ok.today has been spendy got dd some straighteners and trainers, less than £60 spent so think that is a good thing.

Done my monthly meal plan and shopping list, topped up some sundries too i.e pasta, rice i also needed washing powder, the last time i ordered it was in june so i am quite happy with 1 big box every 3 months along with a cake for dd, £229 spent on the big shop but £30 was washing powder and the cake. £71 left to spend for October but i have everything i could need for meals its just the fresh bits, £20 a week is my budget now which means no click and collects.

Right time to have half an hour before going up to bed shortly, tonight has gone quickly and i am feel very tired.

Tomorrow's plans 
Work
Hospital appointment so will have to pay parking.
Put all shopping away.
General housework
Find something for tea....this will be creative! 
Wrap presents and prep for dds birthday 
I think thats enough to keep me going for now!

Getridofdebt66

Today has been a good day, had my hospital appointment but didnt realise I needed to go into town, i have to pay a congestion charge of £8...appointment went well, came home and felt unwell. Creative tea did not go well...we had nothing so popped into Mr T got some reduced butter chicken, baguette and some chips (the chips werent reduced) so £10 spent but needs must.

Currently waiting on 2 food shop deliveries tonight then will put it all away! Got quite a few substitutions and all cost more than what i brought so its always a nice bonus. Then will sort dds presents out when dd is in bed then an earlyish night.

Tomorrow's plans:
Nsd
Takeaway tea as per dd request
Work all day
General housework
Keep energy under £4

I looked at my energy bill and i am still in debt but 6 months ago i was in £1600 debt but now it is down to £760, whilst i have been over paying and in the summer i use less i have been more conscious and brought my usage down it is going in the right direction, being careful through the winter and still paying the same as what i was even with the extra from the government  thats an extra £63 a month off my bill and if i can get it under the payment it is extra off the bill. I am looking forward to a time of being in credit.

Whilst i have debt and it is a lot more than i hoped, with the extra rise in everything i actually feel somewhat in control of my debt rather than in March when it was spiralling...

Getridofdebt66

A successful day, work was egh seriously feeling really down with it recently like i am being set up to fail, when other aspects of my life are struggling i feel like i need some positivity in my work but its none existent atm. I haven't been there 6 months yet and not sure how much longer i can last. Spoke to someone today who does the same role somewhere else and they support they have been given in a much shorter amount of time is staggering.

Home life is ok, dd has had a great day my house is a mess hoping oh will sort it out tomorrow. Feel quite down in general atm i am hoping it will all pass but who knows.

Tomorrow's plans
Start of no spend October....should be fun! Oh no not fun i mean really hard! 
Dd is having a friend over, got plenty of snacks in, will put a film on and generally stay out the way so they have some fun adult free fun whilst i stay in the kitchen i am guessing!
Work tomorrow, not sure how i am feeling about it after the past few days.
All food from stores.
Keep energy under £4
Take meter readings
Do some surveys...this will go into my Christmas pot for present so the more the better.
I have a bigger survey to do but cant until Monday due to the postal strike, i get a £20 voucher so will ear mark it for a present for dd. 

Plans for the big C in December...i am planning on my friends children (£10 max each and 1 present already done) and dd, i have got my mum something and just need ohs mum and dad and thats it. We dont have much so will focus on our own! As no one seems to bother with dd anyway. Any extra vouchers i can get i will put for xmas presents and i will.speak with oh see if he can spare half an hour a day to rustle up some too.

Right off for a bath and wallow in my own self pity...