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Original poster

Debt Free 2007?

551 replies

Flamesparrow · 28/11/2006 17:42

Keep thinking about this since yesterday...

Am thinking that my aim for 2007 is to be in a decent(ish) money situation next Christmas BUT I don't wanna take the swing out of the budgie's cage completely...

I need to work out how to save money, pay all the bills, but still be able to have the odd treat here and there.

I thinking:

  • Decent food budgetting/planning
  • uswitch (I think I am on the cheapest anyway)
  • s/o for savings AND a s/o for treats
  • Work out the birthdays that will be coming across the year and make sure I put aside enough each month to cover the hell months.

What else should I be doing?

OP posts:
MascaraOHara · 27/02/2007 10:13

my pay pal account was at £168 so I have transferred £118 to my bank. Although the balance is still not great it's much better than it was this time last month.

I only managed to use half a tank of petrol last week as I tried to stay in more and combined journeys.. if I can make this half left last me until the weekend I will be pleased, I think I might be able to. It seems like nothing but I have effectively saved thirty-odd quid by not filling up this week.

Still shopping round for a new mortgage, so far none have come in cheaper.

charliecat · 27/02/2007 10:40

Have you looked on MSE for a new mortgage?

nikkie · 27/02/2007 11:59

My pay doesn't seem to be in my bank yet , hope its in and not showing

charliecat · 27/02/2007 12:56

Just what you need

nikkie · 27/02/2007 19:33

Well officially pay day is 28th but have always been paid on the fri before, hope its in tomorrow as my bills money goes ouut

charliecat · 27/02/2007 19:38

Still not in then?

nikkie · 27/02/2007 19:54

Check at work and they said tom am or there is a prob

charliecat · 27/02/2007 20:19

OH NO, anyway to stop the bills coming out?

nikkie · 27/02/2007 20:27

can reduce S/o but may be too late?overdraft should cover it anyway , may try to up it tonight in case

charliecat · 27/02/2007 20:37

Yep, you dont wanna be getting charged for it. Fingers crossed it appears.
I have left 3p in my bank so I hope I havent forgot anything

nikkie · 27/02/2007 20:52

Have bumped o/d up just in case, fingers crossed for me please!

charliecat · 27/02/2007 20:53

crossed for you x

charliecat · 27/02/2007 20:54

will the O/D cover it?

nikkie · 27/02/2007 20:59

Yeah, have some paypal money going in too.Should go in tomorrow,but its never been on time before.

GreedyGecko · 27/02/2007 21:21

Keeping fingers crossed for you nikkie.
We'll go into our o/d on Thurs when all the bills come out (thanks to last week. Grrr), but Fridays wages will cover it, and DPs already had 3hrs o/t this week, so next weeks wages will be nice (at last).

nikkie · 27/02/2007 21:34

I have O/t on this wages too.I am working tomorrow but it won't come until end of April!

MascaraOHara · 27/02/2007 21:35

trying to be careful wuith money is so depresasing. so i git druinbk! lol

nikkie · 27/02/2007 21:42

As long as its free alcohol MOH
Not allowed to spend money here

MascaraOHara · 27/02/2007 21:43

tjat's ok. had two bottles in the fridge

charliecat · 28/02/2007 12:18

How did the bank go nikkie? I guess your finances are grim if your trying to glug them away MOH...how its going?

kirstygem · 28/02/2007 15:18

Thank God its payday
Hope your wages went in Nikkie.
Know what you feel like MOH as my 2.99 bottle wine is the big treat of my week.
Only prob now is DH thinks we loaded after wages in and wants to do loads over weekend, then gets moody when i suggest we do free things like go to park with DD rather than trailing round shops spending money I want to use for paying off debts . Does anyone else feel like they trying to sort debt problems out on your own or are others OHs more helpful than mine?

charliecat · 28/02/2007 16:41

KG, I used to have many many many many arguements with dp about money, until it occured to me that there wasnt any spare money to be arguing about.
Then I said im not arguing about his coz there no money to argue about..

nikkie · 28/02/2007 21:36

Yeah they went in YAY!
bills did go out first though so its a good job I changed it

charliecat · 28/02/2007 21:54

Excellent

charliecat · 01/03/2007 20:43

I am going to copy and paste the list from this thread onto a new one as it must seem a bit dauting to anyone wanting to dip in. Hope thats ok...will link this to that and vice versa...