Life Begins-

Looby_Lou_7

Hi everyone,

Another newbie, I have been a lurker for about a year. I find myself full of good intensions when i read a thread, then my motivation runs out and my lazy ways creep back in. So by starting this diary, I WILL keep myself motivated.

I am divorced with a DS (12 years old) and the big thing for me this year is that in September I will be the big 40!!!! Hence the title of my thread Life Begins-

Compared to some of the lovely people on this site I am not in a lot of debt about £5000. I want by September to have halved that figure and be debt free by Summer 09, then i want to start on my mortgage.

I will post later with my debts and my plan to reduce them.

Thanks to everyone who takes the time to read.

Looby xxx

MinBlack

Hi Looby,

Welcome to the board, i'm a newbie too but settling in nicely! I look forward to seeing your progress.

Min xx

elantan

hey welcome to posting i think you will find it will help you stick to your budget a wee bit better than the lurking did.. good luck

GirlRacer_2

I'll second what Elantan says here. When you post on here it keeps you motivated. Welcome aboard

SarahNeedle1872

Hi Looby, welcome out of the lurkers cupboard:rotfl:

Hope u find it even more helpful, and as a one-time scaredy cat newbie, don't be afraid to post anywhere.....

Sarah x

doodledo_2

Hi and welcome to the board :T

Looby_Lou_7

Thanks guys for your welcome, I know I will be more motivated if I post.

Things I have all ready done.

Use Pigsback & Quidco.
Listed books on Amazon.
Renewed my house insurance this month through Quidco, £120 tracking, £30
saved on renewal quote.
I have a sealed pot - not much in there, must try harder.

To do.

Start using online spend diary - again.
Sign up for Feb's Grocery Challenge as I spend far to much on food for me
and DS.
Have £20 personal budget for Feb.
Sign up for the Lunch Log Challenge.

Wiil be back with more thoughts later.

Looby xxx.

Penny2myName

Hi and welcome.

Looby_Lou_7

Since my last post I have;

Set my aims for Feb

*Stick to my budget for the Feb Grocery Challenge.
*Take lunch to work everyday.
*Not to increase my debts.

Signed up for Febs Grocery Challenge and the Sealed Pot Challenge.
Listed items on Amazon.
Filled in a tax form DS has been paying tax on his savings account.
Had 3 NSD this week.
Opened a HSBC bonus Saver through Quidco, £20.00 cashback.
Taken lunch top work everyday.
Transfered £37.38 from an old savings account to pay off CC.

All my statements should arrive soon and I will know the full total of my debts instead of guessing, I can then look at which one to pay first.

Lobby xxx

Looby_Lou_7

Received my gas and electric bills on Saturday, both my DD's have gone up.Meters have not been read for six months so not suprised really.So I have registered for paperfree bills and I am going to take my meter reading every week and enter them on SWALEC's website every month, if I can. Going to become very good at switching things off.

Looby_Lou_7

My transfer I made from an old account for what ever reason didn't happen, withdrew the money from the cashpoint £30 and paid it straight of my La Redoute account.Also paid today Next, Capital 1 CC and Co-op CC.Transfered Quidco's money for Feb £100 and that should be in my current account in the next few days, that will go towards my Capital 1 CC bringing the balance to under a £1000. Also waiting for a cheque from BT and that will go towards my next account.

Going well on my grocery challenge onlt spent £2.42 so far this month, and had a NSD, tea will be from the freezer and tomorrow lunch in work will also come from the freezer, homemade soup.

Writing every thing down is making me more focused and I am determined to be debt free as soon as possible.