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Debt Free Year

edited 10 December 2019 at 10:08PM in Debt Free Diaries
3.1K replies 227.2K views
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  • NicnakNicnak Forumite
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    Today I’m at TC just chilling out and relaxing.

    I’ve got to buy a few big items over the next few weeks to ensure I have things in the house that I need. I need a TV, hoover and will need a carpet. They are all my priority list.

    I’ll also need some smaller bits, but not until I get myself on my feet again and in a much better financial position.

    We complete on the 2nd October. Then the house is mine. It doesn’t matter anyway as he’s not paid towards the mortgage or bills since June so it’s all been on me anyway.

    He still pays the £160 childcare vouchers to our childminder and has contributed towards clothes and shoes, which is helping loads.

    I’ll just keep requesting things little one needs to help me clothe her through winter. She has enough uniform, a winter coat, boots and shoes so hoping her feet don’t grow for the next few months!

    Sure it’ll be fine!

    I need some cards today so come to a cheaper card shop to stock up a little.

    Off to see what I can get Tv wise!
    September 6th 2017 - Updated December 2019
    Credit Card £0 now: £0 Consolidation £15,000 = £5,362 Total = £25,330 :(£5,362 79% gone EMF #252 = £1300/£1000
    Pay off all your debts by Christmas #071 = 2020 = £4400.90

    Decluttering target 2361/3500 items
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
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    It will be good when the house is legally all yours. I hope you manage to get the big items you need for the house.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £1,500/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300
  • NicnakNicnak Forumite
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    Yesterday was a little treat day for me.
    I went and had lunch on my own, two coffees. A bit of a spend day. Around £30. I tutored last night so clawed it back. I just need to get to a bank today and pay it back in. The only one I know that opens on a Saturday is miles away.

    Little one had a sleep over at my sister's house last night so I had a chilled out night.

    I'm contemplating returning to work or not on Monday. It makes me anxious thinking about it, but it will be so much worse if I don't go back in this week. I'm not sure I can win.
    September 6th 2017 - Updated December 2019
    Credit Card £0 now: £0 Consolidation £15,000 = £5,362 Total = £25,330 :(£5,362 79% gone EMF #252 = £1300/£1000
    Pay off all your debts by Christmas #071 = 2020 = £4400.90

    Decluttering target 2361/3500 items
  • SystemSystem
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    Hi Nicnak I haven't commented for ages but have been reading . First I am glad the house is nearly yours that is peace of mind in itself. Also that you enjoyed your day at TC .

    I think you have had a lot of stressful things going on in your life , divorce, working, looking after a child, recovering from illness . Maybe you need to listen to your body and mind before you return to work . Nothing worse going back Monday only to find Tuesday you actually wish you hadn't bothered.

    Hoping you have a good weekend.
  • NicnakNicnak Forumite
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    Hi Nicnak I haven't commented for ages but have been reading . First I am glad the house is nearly yours that is peace of mind in itself. Also that you enjoyed your day at TC .

    I think you have had a lot of stressful things going on in your life , divorce, working, looking after a child, recovering from illness . Maybe you need to listen to your body and mind before you return to work . Nothing worse going back Monday only to find Tuesday you actually wish you hadn't bothered.

    Hoping you have a good weekend.

    Thank you,

    Weekend has been good, but full of me trying to decide what to do on Monday! I guess time will tell. x
    September 6th 2017 - Updated December 2019
    Credit Card £0 now: £0 Consolidation £15,000 = £5,362 Total = £25,330 :(£5,362 79% gone EMF #252 = £1300/£1000
    Pay off all your debts by Christmas #071 = 2020 = £4400.90

    Decluttering target 2361/3500 items
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
    12.6K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    Relax and enjoy your weekend and then see how you feel on Sunday night Nicnak.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £1,500/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300
  • NicnakNicnak Forumite
    3.7K posts
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
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    Relax and enjoy your weekend and then see how you feel on Sunday night Nicnak.

    Yes, I think this is all I can do. x
    September 6th 2017 - Updated December 2019
    Credit Card £0 now: £0 Consolidation £15,000 = £5,362 Total = £25,330 :(£5,362 79% gone EMF #252 = £1300/£1000
    Pay off all your debts by Christmas #071 = 2020 = £4400.90

    Decluttering target 2361/3500 items
  • DebtFreeDuoDebtFreeDuo Forumite
    1K posts
    1,000 Posts Second Anniversary Combo Breaker
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    I'm sorry for your recent loss. Take all the time that you need, don't rush back to work unless you are ready. Everything has been so hard on you lately.

    When looking at any extra help previously did you check out the benefits calculator on entitledto? Also do you get help with childcare through tax credits already? Have you amended your council tax for the 25% single occupant discount?

    Sorry I don't mean to bombard you, I just don't get on here often lately and wanted to make sure I was getting everything down that I could think of.
    Change the way you see things and the things you see will change
  • NicnakNicnak Forumite
    3.7K posts
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    ✭✭✭✭
    I'm sorry for your recent loss. Take all the time that you need, don't rush back to work unless you are ready. Everything has been so hard on you lately.

    When looking at any extra help previously did you check out the benefits calculator on entitledto? Also do you get help with childcare through tax credits already? Have you amended your council tax for the 25% single occupant discount?

    Sorry I don't mean to bombard you, I just don't get on here often lately and wanted to make sure I was getting everything down that I could think of.

    Thank you,
    Yes- I have the 25% discount, but not help with childcare or looked at entitled to either.
    x
    September 6th 2017 - Updated December 2019
    Credit Card £0 now: £0 Consolidation £15,000 = £5,362 Total = £25,330 :(£5,362 79% gone EMF #252 = £1300/£1000
    Pay off all your debts by Christmas #071 = 2020 = £4400.90

    Decluttering target 2361/3500 items
  • DebtFreeDuoDebtFreeDuo Forumite
    1K posts
    1,000 Posts Second Anniversary Combo Breaker
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    Have a look at entitledto calculator just to make sure there isn't something you have forgotten to check. The help with childcare would come from tax credits, I don't receive it so not sure on all the details but it might be worth just double checking it.

    Hope you're doing ok x
    Change the way you see things and the things you see will change
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