Life Begins-

GirlRacer_2

Hi Looby, congrats on the money, your wise to save it, after all it was money that you weren't expecting.

Its a great feeling when you have a good clear out of the kids rooms aint it? My son is minimalistic but DD is horrendous, she keeps absolutely everything and her bedroom is a tip!

Looby_Lou_7

Thanks GirlRacer, did think about paying it off my debts, then changed my mind as you said I wasn't expecting it so savings is the best place for it.

After clearing out DS room, I could have cried when I think of all the money I spent on toys.DS was saying carboot, carboot, I'm too old for that now.Won't be buying so much in the future.

GirlRacer_2

I know what you mean. DD was obsessed with those Bratz dolls last year. Have got about 35 of them and this year she's not the least bit interested in them. Am hoping she'll give in soon and we can e-bay them.

Looby_Lou_7

Evening everyone :hello:

Paid off half the Vanquis Card today, will pay the other half when my cheque for the shares clears hopefully Friday, another debt will be gone and I can cancel the card. :j

Open a next bank account and signed up for a life insurance policy on the weekend through Quidco and they are not showing as yet, will have to keep an eye on my account, items normally track quickly don't want to lose £100.

Not sure which debt to pay off next, Capital 1 or the Next account,will have to look at the APR's going to give myself three month to pay the next one, hope the money in Quidco tracks going to need it.

GirlRacer_2

Hi Looby I opened a bank account with A&L through Quidco and that hasn't tracked. Am going to give it a few more days then submit a ticket.

Well done on paying off half the Vanquis card as you say, hopefully that'll be all paid off soon.

Looby_Lou_7

GirlRacer wrote: »

Hi Looby I opened a bank account with A&L through Quidco and that hasn't tracked. Am going to give it a few more days then submit a ticket.

Well done on paying off half the Vanquis card as you say, hopefully that'll be all paid off soon.

Thanks GirlRacer, if they haven't tracked after Easter I will submit a ticket also.

Looby_Lou_7

Hi all,

I haven't posted for a long while, life has been changing for me. I have had my 40th birthday and I am still in debt, I have been busy getting a new job (which I love) and I have decided to move in with my OH, so I need to rent my house, I did think about selling then change my mind. The house will be an investment and I still have it as a safty net if needs be.

My new long tearm goal is to enjoy a debt free, frugal life style, oh and be 2 x mortgage free.:eek: My OH and I are looking forward to the journey - we are very similar in how ew know view life - money isn't everything - it helps -being happy is more important.

I want to move sometime in January, there are a few things around thee house I need to do painting, gas hob needs replacing and some other bits and pieces. I also have to work out a new budget and open a new bank account.

In the mean time I want to consentrate on my debt and on money saving. I need to start menu planning, I will sign up for next months grocery challenge, i need a few NSD, will start to make an overpayment a day on my credit card.

Know there is lots more I need to do, can't think . Comments welcome. looking forward to the journey.

Looby_Lou_7

Some bedding and toys I put on freecycle this morning is being picked up this evening, Im very pleased with that my de-clutter has started.:T Having cheeso pie and baked beans for tea as these ingredients are already in the fridge/cupboards and its something we haven't had for a long time, looking forward to tea.:D

Looby_Lou_7

Only one lady turn up to pick up the freecycle items last night, haven't heard from the other one, will re-offer them later.

Today I have:

*Done my Quidco clicks.
*Applied for a second bank account (£20.00 throught Quidco) need this for when I rent out my house, to keep everything separate.
*Taken 2 bags of stuff to the charity shop.
*Made an overpayment of £1.00 to my Vanquis CC.
*Dinner this evening will be from the freezer.

Need to go and re-offer items on freecycle.

Looby_Lou_7

Paid £1.00 off CC this morning.

Re-offered items on freecyle and some new items last night and have had some replys hope they come to collect.

Done quidco clicks,lunch is ready to take to work and two bags of stuff ready for the charity shop.

Was hoping for a NSD, that not going to happen as DS informed me last night he has domestic science tomorrow and I need to get some of the ingredients.