im new here, hi everyone

mrsclecoco_2

hi I just wanted to introduce myself really. I've been lurking around these parts for a few weeks now!!! I will post my soa soon but I think i've got my debts under control.
we have been with cccs since jan 07 and although our debt free day is 2020, i'm hoping to get rid of it sooner.
I've taken on a second job, although it's rather tireing with two toddlers!!!
Anyway I don't want to ramble on, just wanted to say hi to everybody.
Thanks for reading
N x

oscar52

Hello and Welcome

Lemon_Tree

hi and welcome to the site, if you've been lurking for a few weeks you know that a soa will help us to help you and that you will get lots of support, ideas and help from us.

lilmoi1985lm

welcome to the debt free road!:D:D

aimme13

Hi and welcome:j

Your debt free date sounds like mine! been with payplan for quite a few years now but debt free date seems a million miles away.........lets hope we can both get it closer, im still convinced i will win the lottery to sort it all out:D

**Amy**

Hi and welcome!!

:j :beer:

mrsclecoco_2

right my soa
husbands income £1300 (can vary with o/t)
my wages £348
my wages 2 £332
Child benifit £120

total £2100

outgoings
morgage £545
secured loan £133
cccs £260
council tax £93 (over 12 months)
gas/elec £69
water £25
home insu £20
car insur £28
sky £20
phone/internet £33
parents £100 (I owe them £1000 now)
nursery £145
petrol £100
mobiles £20
food/cleaning Approx £250 (will need to do a spending diary to be accurate)
total £1841

well according to that we should have £259 left UUUmmmm i wonder where that goes then because I am always really skint!

mrsclecoco_2

oh i forgot tv £12
life insur £30
n x

perfectlypoor

Hi and welcome our debt free day is 2021 so don't feel too bad lol, do you meal plan as this saves us loads.

mrsclecoco_2

No i don't meal plan i'm starting to get my head round food and budgeting. I have always shopped at tesco or sainsburys and not thought about it. Past few months been goin to aldi and iceland which has saved us loads

aimme13

Hi again....i started a spending diary this year and it will amaze you, I didnt realise how much my sons after school and sports activities added up to oh and his haircuts!, and all those bargains i bought in boots for birthday pressies also took a big chunk of my money. Food and petrol was no surprise as I am so good at budgeting:rotfl:I was actually spot on with them, but its all the other bits and bobs that creep up on you.