Hugglemonster's debt free diary

Hi all welcome to my diary - edited due to similarities with a fellow user which looked a bit strange

Anyway... I have a few bits of debt that I just need to get rid of and a house that is in need of repair, along with plans for the future involving lots of trips with hubby and the kids. The debt is manageable on a monthly basis but we have slipped recently with our spending so need to get back on top of it and get rid asap.

I am good at various aspects of money saving i.e. using vouchers, cashback sites, doing surveys etc but have neglected the food menu and shopping list which is our biggest spends area. I'm not going to do an SOA as I already have one written and I know the areas that need addressing.

Today has been good, I've researched home insurance and got a reduction of £2 per month and cashback of £30, printed off some vouchers and we have eaten at home from food we batch cooked at the weekend. Lots of washing done and mostly dried outside plus some on the airer.

Not so good lurking in the background is that we are currently without a car (using hire car from insurance comp) as some dingbat drove into the back of me a few weeks ago and we are still waiting for payment so we can get a different one (ours was a write off), we know what we want and payments will be similar to what we have been paying for a bigger car that will be ideal for our needs. I know getting finance for car isn't good but we had such a rotten car before and I need a reliable one for work so that's our luxury.

I have paid one small debt of £100 off today which is a little boost and have plans for the rest but equally we need to put some money into things around the house that need sorting, therefore I have two lists; Debt, and Savings

Debt:
Computer £646.52
Overdraft 1 £1100
Overdraft 2 £1500
Credit card £2200
Car - not even going there at the mo!

Savings/to buy:
Skip - to clear rubbish from 'The Great Big Declutterathon'
Carpet for dd bedroom
Curtains and curtain pole for dd bedroom plus new drill
dd new school uniform as going to High School in September
dd and ds school shoes
ds birthday (August)
bark chippings for back garden areas

There is much, much more to save for and buy but this is my current list, so on the debt front I will be concentrating on the computer first as this is the smallest amount and then will snowball the monthly payments.

Thanks for reading, wish me luck and hard work begins now.

Hugglemonster x