Becoming debt free within 18 months

badmemory

Getridofdebt66 said:

Lsd - i now need to buy cakes for school for the jubilee celebration and they have been really funny about people not bringing them in...a child mentioned if they could not afford to bring any in (i know the family and they don't have much) and the teacher was quite nasty saying they wont get any cake so i am taking 2 boxes in one for dd and one for the child.

Well it just shows you how things have changed & not for the better.  Well done you!

Getridofdebt66

Thank you @badmemory things have changed and it is awful, i think with how things are, more people esp schools should be more careful. Safe to say i have spoken with the school and they did not mean it this way apparently and have told children they would get a cake. I did get an extra box for the child to take in! Right off to work so will catch up later

Squirrelz92

I've just finished reading your diary and its been a truly great read!
You are doing so well so far. Rooting for you. Shall bookmark your diary 

Getridofdebt66

Thank you @Squirrelz92 whilst it may not be the most exciting diary in the world...as is my life it is helping me focus on the small things! 
Looking forward to breaking up tomorrow for a week off work.
Got some fun things planned and spending kept to a minimum...hopefully. will do a click and collect food order for the weekend to see us through! 
Another nsd today! 
All food from stores again! Got tea in the oven. 
Hoping to keep energy under £1.75.
Sent off a free £5000 accidental death cover form off from my union its in the envelope and ready for oh to post on the dog walk later!
Have a bath later.
Iron uniforms for tomorrow. 
Quite a chilled evening planned today which is a nice change!

Getridofdebt66

Egh those weekends seem to be going faster and faster! 
I have had a good weekend (as in fun not necessarily cheap!) Spent £90 on food shopping but oh has given me  £45 i wasnt expecting so really £45 on food i am going to say! Also got some bits for us going away thay we needed.
£77 spent! 
My plans for today as i am off:
Dd had her friends over for a sleepover last night so tidy up once onr had gone.
Take dd and friend to a free event this afternoon, will take drinks with us.
All food from stores.
Take a present later to bils for niece
General housework
Do 1 load of washing and dry it on the line...maybe 2 depending on the weather if not i can do it tomorrow.
Nsd today dont think i need anything.
Take a big item to my moms for storage as i need the space in my shed and mom wants to  for my other niece at her house.
Energy under £2...heating has already been on this morning as i was freezing and sonwere the girls

Thats all for now i will update shortly 

Getridofdebt66

Such a busy week...but it has been fun.
Tuesday dd went to club, she took drinks and snacks with her. Nsd for me!
Yesterday we went out of the fay, was lovely oh treated us, £25 spent including lunch from te$co to take with us, some drinks and an ice cream for dd. I brought us a maccies last night, £19 spent by me had UC gone in yesterday and a bit more than i expected so that treated us. Today i went with a friend had lunch, £7 spent and £38 in supermarket for a top up shop! 
Tomorrow i dont have any plans atm but i plan on not spending any money...will come back for tomorrows list!

Getridofdebt66

Tomorrow's plans:
Dd is having tea at a friends so will take her and have a chat with my friend.
Have a relaxing morning tomorrow and chill around the house.
All food from stores.
Nsd tomorrow, i dont need anything or plan on going far.
Take a parcel to the shop, postage is already paid for.
General housework.
Will have a movie night tomorrow

Thats all for now

Getridofdebt66

I have just worked out my new totals of debts
Natwest overdraft £2000
Zopa £60
Safety net £395
Capital One £155
Capital One £254
Aqua £1461
Loan £1675
Lowell £240
Lantern £685
Natwest loan £5637
Eon £1164
Total £13,721

My previous total was £14375 so a reduction of £654. With all the extras that have come in recently i think i have done well. I am aiming to reduce it down by another £400 by the end of this month when i am paid. Feeling good seeing a reduction if i can get upto £500 a month it will make it 27 months until it is all paid off.....that will help me tomorrow find more bits for fleabay if i can get it higher a month and reduce that even further! 
June to pay off Zopa and one capital one thats my aim! I am going to try and do it off fleabag sales only! I have increased my eon payment too so hopefully that will come down quicker esp with reducing my usage too! 

Squirrelz92

Wow that's such amazing progress! Great to see an up-to-date debt list of how far you have come. £400 is a strong amount to put towards repayments and we share the same figure there as I am also hoping for a total figure of that amount to put to my CC each month  

How do you find fleabay with the costs etc? Have you tried Vinted?

I am sure you will have no problem in getting rid of Zopa and Capital One once and for all this time next month! Go youuuuu!!

Getridofdebt66

Thank you @Squirrelz92 my Zopa hasnt been cleared yet due to paying off dds trip...£250 for 2 nights its shocking! But agreed to it last year, mil helped thankfully but also had some other things creep up but i am on the right track and thats all that matters! 
I haven't tried vinted but i have heard good things i may have a look and see how i get on.
I just realised i have 2 bags of clothes given to me for dd in the car so i am going to get them out and have a sort through! 
Second load of washing done i am waiting for the first load to finish drying outside then they will go on. Oh had a productive morning in the garden me not so much but it is my chilling morning today and i feel better already by not rushing about!