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  • FIRST POST
    • rose_tinted
    • By rose_tinted 13th Mar 18, 7:20 PM
    • 65Posts
    • 363Thanks
    rose_tinted
    Roseís epic journey to being debt free.
    • #1
    • 13th Mar 18, 7:20 PM
    Roseís epic journey to being debt free. 13th Mar 18 at 7:20 PM

    Iíve made the decision to finally tackle our over spend.
    We are a family of five, spending quite a lot of money on food, petrol, and basically lots of other crap.

    Iím determined to pay off my credit cards, we have 2
    Get out of my overdraft. Sitting at £1400.

    this diary will make me accountable. I hope to pick up tips and share my own.
Page 1
    • enthusiasticsaver
    • By enthusiasticsaver 13th Mar 18, 10:15 PM
    • 6,412 Posts
    • 13,205 Thanks
    enthusiasticsaver
    • #2
    • 13th Mar 18, 10:15 PM
    • #2
    • 13th Mar 18, 10:15 PM
    Good luck. Overdrafts are getting more expensive. Do you record spends in a spending diary or spending app tracker? That can make you think twice about what you are spending. Are the credit cards at 0%
    Debt free and mortgage free and early retiree. Living the dream

    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
    • Poppy1984
    • By Poppy1984 13th Mar 18, 11:11 PM
    • 178 Posts
    • 352 Thanks
    Poppy1984
    • #3
    • 13th Mar 18, 11:11 PM
    • #3
    • 13th Mar 18, 11:11 PM
    Good luck!
    I found budgeting difficult at first but now I track every penny in and out of my bank with the spending app and I'm finding it really helps. I also find meal planning and shopping in Aldi really helps cut food shopping costs
    19-02-18 Total Debt £4,015 Next £815 Very £1600 Tesco Credit Card £1600
    PAID Next £815/£815 now closed Very £900/ 1600 Tesco £160/ £1600
    Emergency Fund £280/£300
    • onedaysomeday
    • By onedaysomeday 14th Mar 18, 8:14 AM
    • 418 Posts
    • 619 Thanks
    onedaysomeday
    • #4
    • 14th Mar 18, 8:14 AM
    • #4
    • 14th Mar 18, 8:14 AM
    Good luck!
    Debt paid £1780.76 / £7180.59 (24%)
    CAR SERVICE CHALLENGE: £21/£154 BY 5/6/18 (13.5 %)
    EMERGENCY FUND: £0 SAVINGS POTS: £0
    • beanielou
    • By beanielou 14th Mar 18, 10:25 PM
    • 54,111 Posts
    • 214,604 Thanks
    beanielou
    • #5
    • 14th Mar 18, 10:25 PM
    • #5
    • 14th Mar 18, 10:25 PM
    Shiny new diary.
    Keep posting!
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • rose_tinted
    • By rose_tinted 15th Mar 18, 8:09 PM
    • 65 Posts
    • 363 Thanks
    rose_tinted
    • #6
    • 15th Mar 18, 8:09 PM
    • #6
    • 15th Mar 18, 8:09 PM
    Thanks for the messages everyone.
    It's been a work day today,but I've had a poorly girl. So came home early.Sure it's viral. My poor girl. Don't like to see her suffering. I can't wait for the summertime.

    It's given me the excuse to make some carrot and lentil soup out of the dodgy looking carrots out of the bottom of the fridge.

    I'm going to look at internet banking every night. Even though I don't like what I see. It's nice to know what's going out. I'm a lot more mindful about spending on my debit card. I've found it so easy just to use it.

    I've started a spending diary, it works well for me. I have so many plans. Step by step. I'm going to go away and have a think about what's most important to me at the minute.

    I love everyone's diaries, but they do take up plenty of time.
    • redofromstart
    • By redofromstart 16th Mar 18, 12:38 PM
    • 1,686 Posts
    • 10,116 Thanks
    redofromstart
    • #7
    • 16th Mar 18, 12:38 PM
    • #7
    • 16th Mar 18, 12:38 PM
    Happy new diary rose tinted, and good luck with your efforts.
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