Hayley's Debt Free by Dec 08 Diary

sparklymessygirl

Hayley - well done on your achievements so far and keep up the good work but get those sandwiches made

Re your SOA - can I be nosy and ask why you have got life insurance?

Sparkly

thepinklady

I have looked and looked but i cannot find any suitable Saturday jobs, which is a bit of a bummer as the extra money would've been handy.

I have now been thinking and I might start dog walking, it would be especially nice with summer approaching. Does anybody on here also dog walk? I am a great lover of animals and it would be so nice to take on an extra job i actually enjoy. Can anybody point in the right direction for insurance i will need? I'm also going to print out lots of leaflets (DFW stylee and do them myself on the compute) and post them around my area. If anybody has any helpful tips it would be much appreciated.

Does anybody know if i will have to start up my own business to dog walk and then let the tax man know?

babes21

Sparkly asked you a question above hayley!!

thepinklady

sparklymessygirl wrote: »

Hayley - well done on your achievements so far and keep up the good work but get those sandwiches made

Re your SOA - can I be nosy and ask why you have got life insurance?

Sparkly

Sorry Sparkly, i missed your question.

To be honest i don't know why i have got it, I have no children yet, and have no mortgage. I keep meaning to cancel it, but unsure if i am able too. I will have a look at my policy and see what it says. Thank you for reminding me about it

babes21

I'd definitely get it cancelled, even if it's just for the time being until you've cleared your debts.

sparklymessygirl

I agree with Babes - there is no real reason to carry this cost

Sparkly

thriftymoo

hi hayley!!

sounds likes ur doing well! i'm like you and cant really be bothered to make lunch for work so i take in a can of soup instead as we have microwaves at work. totally free seeing how i live at home and mum buys food!!

I've been looking at settin up a doggy business once i've done a dog behaviour and training course, looking at doing dog walking to make extra cash and i'm trying to find out about insurance so i'll let you know once i find out!

moneymabel

Hi hayley and congrats on your journey so far. Just wanted to say I have started a new challenge ( moneymabels debt free by 2009 challenge) so far only 2 of us so looking for other willing victims oops I mean challengees. If your interested pop and have nosy at the thread. Me and rosyc are in the same amount of debt as you and wanna pay it off by the end of the year. Either way- best of luck to you I hope u hit your target.

lilmissmup

Hi Hayley,

Newbie here.

Well done on all the payments.

My last loan payment is 28th October but aiming to have paid it off at least 1 month early so in same boat as you

thepinklady

Thank you babes and sparkly, I am now going to cancel my life assurance. That will save me £5 a month.

Thank you moneymabel - I will def be looking at your thread and joining, I'm hoping with all the extra work I have been doing I will be debt free by September.

Lysasparkles- if you manage to find out any information about the doggy insurance i would love to hear, I've done a few quotes but not heard back from anybody yet.

Lilmissmup, at the moment i'm trying really hard to be debt free by August, but its looking more likely to be September/October unfortunately.

Today i have been to Sainsburys and spent £6 on bits for my lunch for the week. Really happy i made the effort to buy the bits for my lunch, this way i will HAVE to take my own lunch into work, instead of spending £4+ on lunch per day. I also pre-ordered a dvd earlier, PS, I love you. It will cost me £11.99 but I get the book with it for free, so i will sell that and hopefully make at least £3 back.