I WILL get there!!

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Comments

  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    Oh Kirsty what a pain in the backside.
    I think if it were me, at the moment, I'd go for the very cheapest option. Do you have a local forum where you can look for freebies? A washer dryer is the sort of thing that people may decide to upgrade long before the usefulness of the item has run out, same with a fridge freezer.
    When I set up my business I spent about £50 on a kitchen fridge which has lasted to this day (3 years) its massive with upright whole freezer side, & large fridge side. I got that from a 2nd hand appliances place on the high street and they even delivered.
    Or even going a step further, I know it isnt value per say, but could you just use the laundarette for a time? I really believe now in making do when things go wrong.
    But I appreciate not everyone likes to like like Steptoe And Son like me, so if not I'd still look at Freecylcle/local forum for inspiration.

    All the best

    Bob
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • kirtsypoos
    kirtsypoos Posts: 3,824 Forumite
    First Anniversary First Post Combo Breaker Cashback Cashier
    edited 6 August 2015 at 7:08PM
    Hi Bob,

    I did use the launderette but I'm finding it adds up quite quickly, and because of the hours I work there is only 1 day a week I can get there, and only time to do 1 load so the washing is mounting!

    I have put a wanted advert on the local freebie and buy/sell pages so I keep bumping those and hoping it will pay off!

    On the upside I've just checked my topcashback and have just under £35 ready to be paid out so I've requested it and will pay it off very when it arrives :) that has cheered me up. Every little helps and all that jazz!
    :j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
    Mortgage - £151.316.54 :eek:
  • kirtsypoos
    kirtsypoos Posts: 3,824 Forumite
    First Anniversary First Post Combo Breaker Cashback Cashier
    Forgot to say I also managed an additional payment of £50 off the smaller barclaycard balance this morning, so that has come down slightly :T
    :j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
    Mortgage - £151.316.54 :eek:
  • Digging_2
    Digging_2 Posts: 91 Forumite
    twiggy86 wrote: »
    You also really need to pay attention to where your money goes - I was a fan of diet coke and normally bought a bottle every day/every other day - £1.25 here, £1.25 there - which seems nothing really! That's about £10 a week! So that habit stopped and I may treat myself to 8 cans of own brand for £1.50!


    Me too! almost a bottle a day at work! This week I've made a 55p 2litre of supermarket diet lemonade last 4 days. Big difference from the £6 a week I was spending (I only bought p3psi or c0ke when it was on offer for £1).
    kirtsypoos wrote: »
    Forgot to say I also managed an additional payment of £50 off the smaller barclaycard balance this morning, so that has come down slightly :T


    :j
    LBM July '15: [STRIKE]£34,867.89[/STRIKE] :mad: £34,077.59 (1% paid) DFD:[STRIKE]Feb 2020[/STRIKE] April 2019 £2 Savers #129: £8 'Extra payment a week': £0
    Wombled: £18.22 GC £200 #185 Aug:£167.98 Sept: £63 Pay off by Xmas'15 : £4200/£790.80(5.3%) House deposit: £5000/£360 (7%) Emergency fund #125: £1000/£30
  • kirtsypoos
    kirtsypoos Posts: 3,824 Forumite
    First Anniversary First Post Combo Breaker Cashback Cashier
    Got home and went through my bits and pieces and realised I could spare another £70 if I eat out of the freezer for the next 2 weeks, checked the freezer and I'm pretty sure I have enough to scrape by so I paid £77.41 off my very account!! still small steps, but seeing the round number made me feel better! :T
    :j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
    Mortgage - £151.316.54 :eek:
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    Kirsty you are doing great with all your extra payments!
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • kirtsypoos
    kirtsypoos Posts: 3,824 Forumite
    First Anniversary First Post Combo Breaker Cashback Cashier
    Bobarella wrote: »
    Kirsty you are doing great with all your extra payments!


    Thanks Bob!
    I listed a few things on ebay also, so hopefully that will bring in a few pennies.
    Paying extra little bits is feeling quite addictive at the moment :)
    :j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
    Mortgage - £151.316.54 :eek:
  • myteeduck
    myteeduck Posts: 302 Forumite
    Hi

    Read through your diary - you are doing very well.

    I am the same - I have been told that I need to start a family sooner rather than later - not been given a deadline or anything but considering i'm single its a bit disheartening to know that I may loose out on children, as how do I say to a potential suitor "I need this to work, as I need to have children asap!" They will run a mile!

    I will be following your diary with interest - loving the extra payments - you will be debt-free before you know it!

    x
    Car Paid in full - 10/06/2016 :j
  • kirtsypoos
    kirtsypoos Posts: 3,824 Forumite
    First Anniversary First Post Combo Breaker Cashback Cashier
    myteeduck wrote: »
    Hi

    Read through your diary - you are doing very well.

    I am the same - I have been told that I need to start a family sooner rather than later - not been given a deadline or anything but considering i'm single its a bit disheartening to know that I may loose out on children, as how do I say to a potential suitor "I need this to work, as I need to have children asap!" They will run a mile!

    I will be following your diary with interest - loving the extra payments - you will be debt-free before you know it!

    x

    Thanks Myteeduck,

    Sorry to hear you've had that news too - it was a horrible time for me when they first told me (I do have a partner but he was pretty set on not having kids) it was going to have to be a case of ending my relationship and potentially still not having them because of the timeline. I'm still not 100% sure we will end up having a family together but if I can get my debt right down I know it would be a load off both of our minds. Good luck with everything, and I'll keep you updated on here about my journey! x
    :j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
    Mortgage - £151.316.54 :eek:
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    kirtsypoos wrote: »
    Thanks Bob!
    I listed a few things on ebay also, so hopefully that will bring in a few pennies.
    Paying extra little bits is feeling quite addictive at the moment :)

    Totally agree. I forget if I mentioned it to you but I am loving the Payment a Day challenge at the moment. It has given me such a boost to try & find even £1 a day to knock off the numbers.
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
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