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  • FIRST POST
    • SunshineBecks
    • By SunshineBecks 21st Oct 16, 7:06 PM
    • 56Posts
    • 86Thanks
    SunshineBecks
    Debt free before 30.. can I do it?
    • #1
    • 21st Oct 16, 7:06 PM
    Debt free before 30.. can I do it? 21st Oct 16 at 7:06 PM
    Right this is the start of the new me, new beginnings and becoming debt free. I am determined to sort myself out financially before the big 30- only 3 short years away! I guess I have had my LBM, I start a new job in two weeks so it feels like a fresh start.

    As of today my debts are as follows:
    Halifax CC: 4570
    Aqua CC: £300
    TSB overdraft: £100
    Santander overdraft: £500
    Brother: £300

    Total: £5770

    and a grand sum of £0 in savings.

    My goals for the rest of 2016-
    - Get up to date with my Halifax payments to avoid any more charges etc
    - Pay off TSB overdraft and stay in the black
    - Pay off Aqua CC
    - reduce phone bill
    - Do not buy any more clothes, shoes or make up in 2016
    - Ebay the hell out of life
    - start meal planning and spend less in supermarkets.

    I will report back daily.

    Here's to becoming debt free

    Becks xx
Page 4
    • SunshineBecks
    • By SunshineBecks 13th Oct 19, 6:09 PM
    • 56 Posts
    • 86 Thanks
    SunshineBecks
    Quiet day today- tried to enjoy my last day of freedom before going back to work tomorrow. Lots of cleaning and washing done so i'm ahead for the week

    My Plan of action:
    •NSD DONE
    •List 5 items on eBay
    •clean bathroom DONE
    •surveys DONE £1.36 cashed out from curious cat
    •upload updated SOA
    meal plan for the week and food shop (OH Currently pays for groceries)
    enjoy quality time with DS- I found a Lego set we can build DONE

    Will list the ebay items tonight with a glass of wine in hand. We had enough food in so need for a food shop and I really didn't fancy leaving the house. Shopping list and meal plan done for the week so will pop to the shops tomorrow or Tues.

    Finances:
    Christmas savings: £40.81
    Christmas spends: £50

    Things to do tomorrow:
    - pay ebay parcel
    - dentist
    - surveys

    Speak soon,
    B
    • SunshineBecks
    • By SunshineBecks 14th Oct 19, 9:08 PM
    • 56 Posts
    • 86 Thanks
    SunshineBecks
    Back to work today- no childcare expenses as DS was at his Grannies.
    Unintentional high spend day, Child benefit went in £81.20 all of that was meant to be going into the Christmas savings but then life happened,
    Spends today:
    Coffee on my morning break: £1.90 Avoidable!
    Dentist: £60 Needed but should have a savings pot for this
    Cranberry capsules: £4.49 Needed but brought monthly so should be in budget
    New tights: £5 Needed

    Christmas savings: £9.81 better than nothing I suppose!

    Finances:
    Christmas savings: £52.22
    Christmas spends so far: £50
    Side Hustles £1.36/£50.00

    Day off tomorrow, we are off to visit a friend for coffee in the morning. I wanted to take her a bunch of flowers but no money left so will look out some of DS toys that he no longer plays with to give to her little girl- DS loves to give his friends gifts so should make everyone happy

    Things I would like to achieve:
    - NSD (no money in bank account so should be easy)
    - Clean shoes in wardrobe that I have noticed have become dusty and then put in better storage.
    - Surveys
    - Look out a couple of things for facebay/ebay

    Speak soon,
    B
    • SunshineBecks
    • By SunshineBecks 15th Oct 19, 3:37 PM
    • 56 Posts
    • 86 Thanks
    SunshineBecks
    Good day off today with my DS. Visited a friend this morning and pottered around home this afternoon. To do list all achieved as well a few other chores. Updated my budget spreadsheets until Feb 2020 so fingers crossed everything stays on track. Main focus will be sticking to eBay as back in the summer I was making an extra £190 a month from it but to be honest I got bored of it which is just ridiculous. Also started to listening to The Dave Ramsay podcast which I'm enjoying in an oddly macabre way.

    Finances:
    Christmas savings: £52.22
    Christmas spends so far: £50
    Side Hustles: £1.36/£50.00
    Items on eBay: 9

    Things I would like to achieve:
    - NSD (no money in bank account so should be easy) DONE
    - Clean shoes in wardrobe that I have noticed have become dusty and then put in better storage. DONE
    - Surveys DONE a few completed on one poll
    - Look out a couple of things for facebay/eBay DONE looked out one of DS old coats and a book set.

    The next couple of days are work days so the days tick over, The things I would like to achieve:
    - Surveys daily
    - NSD's
    - Keep house tidy and clean (this keeps my brain tidy and clean!!)

    Speak soon,
    B
    • SunshineBecks
    • By SunshineBecks 16th Oct 19, 8:02 PM
    • 56 Posts
    • 86 Thanks
    SunshineBecks
    Busy day at work today, glad to be home!
    I ordered a few more Christmas gifts for DS last night from Amaz0n and I won a jumper on EBay for £7.70- I’m annoyed with myself for that one, I just get carried away with auctions!

    Finances:
    Christmas savings: £12.43
    Christmas spends so far: £82.49
    Side Hustles: £2.36/£50.00
    Items on eBay: 9

    - Surveys daily Made £1 today on curious cat
    - NSD's I will count my eBay spend last night for today
    - Keep house tidy and clean (this keeps my brain tidy and clean!!) Going well so far

    Speak soon
    B
    • SunshineBecks
    • By SunshineBecks 17th Oct 19, 9:20 PM
    • 56 Posts
    • 86 Thanks
    SunshineBecks
    Another busy day at work, I have taken lunch both days and resisted the dreaded takeaway coffee!! Day off tomorrow with my DS, looking forward to a relaxing day.

    Finances:
    Christmas savings: £12.43
    Christmas spends so far: £82.49
    Side Hustles: £2.36/£50.00
    Items on eBay: 9

    - Surveys daily Made £1 on curious cat
    - NSD's NSD today
    - Keep house tidy and clean (this keeps my brain tidy and clean!!) Going well so far

    Things to achieve tomorrow:
    - research joint bank accounts for our new January budget
    - List 4 items on EBay
    - Surveys
    - Usual house work (The joys!)

    Speak soon,
    B
    • SunshineBecks
    • By SunshineBecks 21st Oct 19, 12:47 PM
    • 56 Posts
    • 86 Thanks
    SunshineBecks
    Back again..
    DS is back at school today after the ‘tattie’ holidays. I was expecting him to be anxious this morning but he was excited. The temperature has really dropped here in Scotland so 1st time de-icing the car this morning!
    Sold 5 items on EBay last night, only waiting for 1 to pay am happy with that. I’ve made £30 so far this month, I’m going to aim for £30-£50 as a monthly Ebay goal. Also made a few quid on surveys over the last week.
    I put the money into the Christmas spends so a few more gifts have been ordered; keeping track of everything is serving me well this year. Also ordered some Christmas
    Cards that DS made at school, bit of a rip off but mum guilt took over!
    I have also sorted the joint account really for our new way of budgeting from Jan, the OH seems on board which is a miracle in itself!

    Finances:
    Christmas savings: £6.23
    Christmas spends so far: £109.49
    Side Hustles October: £178.78 (my lovely nan sent me a bit of money so including this)
    Items on eBay: 4

    B
    • enthusiasticsaver
    • By enthusiasticsaver 21st Oct 19, 1:20 PM
    • 9,393 Posts
    • 21,769 Thanks
    enthusiasticsaver
    Just delurking to say had you considered that having a joint account with your OH may not be a great idea if you are on a trust deed? Is that the Scottish equivalent of a DMP in England? If your credit record is shot it may drag his record down too by being financially linked to you? Just wondered if you had checked that out.
    Early retired in December 2017

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • SunshineBecks
    • By SunshineBecks 21st Oct 19, 7:06 PM
    • 56 Posts
    • 86 Thanks
    SunshineBecks
    Hello,

    Thank you for popping over.
    My OH is also on a trust deed so his credit score is the same as mine.
    When I say joint account it’s actually one of my dormant bank accounts which doesn’t have OH’s name attached but we are going to share bills more fairly and use it for food shopping- fingers crossed this works but it will be trial and error until we find what works best!

    B x
    • SunshineBecks
    • By SunshineBecks 21st Oct 19, 9:13 PM
    • 56 Posts
    • 86 Thanks
    SunshineBecks
    Good evening,

    I have been reading through my diary and I have to apologise for all the spelling/grammar mistakes. Think I need to start using my laptop instead of phone!!

    I want to start keeping track of spends, might not be the most thrilling content but hopefully will keep me accountable!

    Spends today:
    £1.90 Morning coffee
    £5.50 DS Christmas cards he designed (budgeted)
    £27 Argos Christmas presents (budgeted)

    My day off tomorrow and have a few things I would like to achieve:
    - List 5 items on eBay
    - Sort out some of DS old Playmobil to sell on facebay
    - book DS into a free football training session at our local leisure centre (really hope there’s spaces left)
    - usual housework
    - DS haircut after school

    Speak soon,
    B
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