Debt Payers and Savers Support group - Page 4

Natasha2605 · Jan 3rd, 2014, 07:50 AM

Quote:

Originally Posted by aimee-lou

Natasha - welcome

I've added you onto the list If you have a date in mind that you'd like to have stuff paid off by let me know.

That Santander one should definitely be your first target. £150 is tantalisingly close. One little thing, you mentioned take-aways. My hubby and I now do 'fast food friday'. We used to buy takeaways once a week pretty much, now we choose a different 'fast food' and cook it at home on a Friday evening. Really good fun and a fraction of the cost. You could then put the normal takeaway money in a jar and after a few weeks you'll have enough to get rid! Then that money would then go twards the other debts to get paid. It's a spiral you see and it's addictive lol

You OH needs to learn how good UK holidays are!!! Having not been on a proper holiday since before Earl was born this year we are going to Cornwall for 2 weeks in a large caravan for the same cost as a week in a cheap hotel abroad. We've gone for a couple of rungs up the comfort scale this time, but could easily have cut the cost by at least another £200. Hoseasons and things do a half term deals where you get 4 nights in a caravan or chalet for £99! Who could grumble at that?! I've never done the Sun vouchers but my neighbour has done the past 2 years and she said it's pretty good choice wise. To be honest, with small children, as long as it's got a playground and a couple of places like the beach and arcades, it's a winner in my book!

Wonga are the best of the bad bunch. We used them last year when you got into trouble and we had to extend the term twice in order to pay it off. Cost us more in the long run, but at least we got clear.

Thanks for joining everyone. I'm actually very excited about this year. Yes, ok, it's going to be hard work, but I'm determined to achieve my goals. Keep up the PMA everyone xxxx

I think because I grew up on foreign holidays and OH grew up on UK holidays that now he thinks we should go every year whereas I'm not too fussed. Although I did just find a cracking deal for 2 weeks all inclusive in Majorca at a Splashworld hotel for £2100, so we shall see.

We just need to decided ground rules and stick to them. Budgets, strict meal plans etc. Maybe we can discuss that tonight and promise a holiday if we can stick to plans.

I hate Wonga. It's too easy. I could afford to pay back the £900 next week but I'd probably then go on to borrow again in February. So not worth it. Plus I hope by slightly damaging my trust rating with them I won't be able to go back.

Catalogues I need to start closing as I pay them off. We had 3 paid off in October but started using them for silly things.

aimee-lou · Jan 3rd, 2014, 07:59 AM

Quote:

Originally Posted by lau86

Hi, I have been stalking a bit and would like to join? I really dislike admitting to myself how much debt were in!!
We are at that stage now where things are not too tight and were in the repayment stage rather than the build it up stage and that's where I'd like it to stay. My debts are around £8000 from a credit card and old student loan, I pay off around £180 per month to those at the moment. I also have a £2000 overdraft but just trying to prioritise the debt at the moment. I don't know what kind of state hubbies finances are in either but I suspect not great. We pay our bills together but apart from that everything is separate. I think now is the time to discuss combining all our money, salary and debts and each just have a bit of spending money. I get the feeling this is how most couples work?
Anyway thanks for reading I was just thinking aloud!
So I guess my goal for this year is continue to chip away at the debt £180 a month and not build up more debt whilst on mat leave.

Yep, we have a bills account where all the money initially goes. I then divvy up the money to pay bills, into the joint account (spends account for shopping, extra purchases for the house etc) and to hubby's personal account. He has expensive hobbies so it's easier if I can just say that's what he have spare rather than him asking for money all the time. He has been working P/T and all his wages bar about £100 in December (went a bit mad at Christmas lol) he keeps.

Definitely talk about it thoroughly, then make sure you know who has responsibility for what, then move forward. You need to both know what the plan is, and work in the same direction, otherwise it'll just keep getting undone.

Have you worked out what you owe and how long it'll take to repay to see if you can prioritise things?

highhopes19 · Jan 3rd, 2014, 08:14 AM

I love uk holidays cornwall is our fave place beaches are beautiful and there's plenty to do for little ones, would deffo not rule it out hun

. We stayed at hendra in newquay in a brand new luxury caravan at the time they had a deal on and it was £400 for a week it was lovely x

Zizzle · Jan 3rd, 2014, 09:35 AM

Ladies, to get to my target iv budgeted £100 a week on food shopping etc. This means I can save a good chunk and pay a good amount of debts off at the same time. Any cheap recipe ideas? I spend too much at the mo!

aimee-lou · Jan 3rd, 2014, 10:30 AM

Quote:

Originally Posted by Zizzle

Ladies, to get to my target iv budgeted £100 a week on food shopping etc. This means I can save a good chunk and pay a good amount of debts off at the same time. Any cheap recipe ideas? I spend too much at the mo!

Who do you have to feed with that £100?

My tip is to meal plan, meal plan, meal plan!

My hubby thinks I'm nuts - I'll sit and write out every meal (including snacks for the kids lol) and then write my shopping list. It helps me to know what I'm cooking when and what's in the cupboards.

Other tip is slow cooker! They are awesome and save lots of time and money (can use cheaper meats/no meat for meals and they can last 2/3 days!

).

Zizzle · Jan 3rd, 2014, 11:35 AM

Two adults and a 4 year old (id like to include DS school dinner money in that (£11). My problem is I do shopping daily... Works out so much more expensive.

I need a new slow cooker, I went to get ours out of the cupboard and dropped and smashed the lid

might ask for one from my dad for my birthday!

Natasha2605 · Jan 3rd, 2014, 12:45 PM

Quote:

Originally Posted by Zizzle

Two adults and a 4 year old (id like to include DS school dinner money in that (£11). My problem is I do shopping daily... Works out so much more expensive.

I need a new slow cooker, I went to get ours out of the cupboard and dropped and smashed the lid

might ask for one from my dad for my birthday!

You can EASILY feed two adults and LO for that amount. Meal Planning is a godsend and stop shopping everyday. Those £20 a time really add up. I'm out of the habit of meal planning for the week but have just wrote ours for the next week.

I can easily do a weeks food shop on well under £50 a week for four of us, breakfast, lunch and dinner and loads of fruit and veg.

I find it helps me to do a bigger £50 shop on payday. I buy nappies, wipes, cleaning stuff and any jars/ tins or cupboard food I buy. I buy bigger packs of fresh meat and split it into two or three meals and free them in portions, ready to defrost later into the month.

Once again, I'm discovering that organisation is the key.

QueenMummyToBe · Jan 3rd, 2014, 12:54 PM

My hubby thinks I am crazy because I write lists of what we already have in and then try to make as many meals out of it as possible. Then I cross it off the list

Xxx

tasha41 · Jan 3rd, 2014, 13:16 PM

Hi ladies! I want to join..

Trying to pay off my MasterCard (I have about $900 left to pay) ASAP (definitely by the end of the summer).. racked it off just by being stupid and then I'd pay some off and be out of money and have to use my credit card again.

I'm also trying to save about $2500 towards renovating the bathroom by the end of the year, I have $300 so far.

I just have to be better with money in general though. I'm trying!

amazed · Jan 3rd, 2014, 18:50 PM

I would like to join I've managed to sort all debts they just all come out my bank weekly the thing I want to do is build my savings a d also the kids soooo

My savings account would like to save around £1000 by next year ivesaved. £4000 in it last year so hopefully I can I put £80 a week in it (all my child benefit goes in weekly of £80)
The kids I have a sealed pot for my 4 kids and put £1 a day in then will put into there account jan 15
I would like to save around £1000 in my pot of dreams by next year I save £5 £2 and 50ps in that pot

Xx

Jan 3rd, 2014, 08:14 AM	33
highhopes19 Other BnB Addict Join Date: Sep 2009 Location: south east Posts: 6,482	I love uk holidays cornwall is our fave place beaches are beautiful and there's plenty to do for little ones, would deffo not rule it out hun . We stayed at hendra in newquay in a brand new luxury caravan at the time they had a deal on and it was £400 for a week it was lovely x

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Jan 3rd, 2014, 09:35 AM	34
Zizzle Pregnant (Expecting) Active BnB Member Join Date: Jan 2012 Posts: 478	Ladies, to get to my target iv budgeted £100 a week on food shopping etc. This means I can save a good chunk and pay a good amount of debts off at the same time. Any cheap recipe ideas? I spend too much at the mo!

Status: Offline

Jan 3rd, 2014, 11:35 AM	36
Zizzle Pregnant (Expecting) Active BnB Member Join Date: Jan 2012 Posts: 478	Two adults and a 4 year old (id like to include DS school dinner money in that (£11). My problem is I do shopping daily... Works out so much more expensive. I need a new slow cooker, I went to get ours out of the cupboard and dropped and smashed the lid might ask for one from my dad for my birthday!

Status: Offline

Jan 3rd, 2014, 12:54 PM	38
QueenMummyToBe Mum (Mom) BnB Addict Join Date: Oct 2008 Location: Lincoln Posts: 4,796	My hubby thinks I am crazy because I write lists of what we already have in and then try to make as many meals out of it as possible. Then I cross it off the list Xxx

Status: Offline

Jan 3rd, 2014, 13:16 PM	39
tasha41 Mum (Mom) BnB Spammer Elite Join Date: Jul 2008 Location: The True North Strong & Free Posts: 25,794	Hi ladies! I want to join.. Trying to pay off my MasterCard (I have about $900 left to pay) ASAP (definitely by the end of the summer).. racked it off just by being stupid and then I'd pay some off and be out of money and have to use my credit card again. I'm also trying to save about $2500 towards renovating the bathroom by the end of the year, I have $300 so far. I just have to be better with money in general though. I'm trying!

Status: Offline

Jan 3rd, 2014, 18:50 PM	40
amazed Mum (Mom) BnB Addict Join Date: Jul 2009 Location: Warwickshire,uk Posts: 7,178	I would like to join I've managed to sort all debts they just all come out my bank weekly the thing I want to do is build my savings a d also the kids soooo My savings account would like to save around £1000 by next year ivesaved. £4000 in it last year so hopefully I can I put £80 a week in it (all my child benefit goes in weekly of £80) The kids I have a sealed pot for my 4 kids and put £1 a day in then will put into there account jan 15 I would like to save around £1000 in my pot of dreams by next year I save £5 £2 and 50ps in that pot Xx

Status: Offline

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