Get lost debt

A question about : Get lost debt

So after a sabbatical from MSE mainly due to sulking regarding my revised figures for my DMP I have returned and this time its war. I was going to carry on with my previous diary but it was way to negative at times and I don't have time for negativity.

I had a review a few months ago as the DMP was due to end but when contacted two of the little ***** had added large amounts of interest. I have tried to get them to amend this but no go. So do you know what, I'll pay it, all of it then I'll tell them to shove it.

Anyway I need a plan. Where to begin? The next two months are a little difficult as I have had to drop a day at work losing a days wages each week. My DH said he will top me up but I need to make extra to pay off as much each month as possible.

Debt left to pay Ј4032.

Plan to pay of debt are cutting food bills as I do too many top up shops. This shouldn't happen as I meal plan but it does.

Start selling some of my own products again. I will make more effort to make time.

Declutter my very cluttered house and sell what I can.

Reduce utilities usage and petrol usage. More walking will help me loose some weight.

BE MORE ORGANISED AND NO PROCRASTINATION.

Firstly to the freezer and cupboards to see where I can cut back on food shops.

X

Best answers:

• All the very best and congrats on the new diary!
  Freezer and cupboards are always a good MSE place to start!
• Well done for jumping back on the wagon so to speak. I've just started a diary myself and my goals are very similar to yours so I shall be watching with interest.
  Good luck
• Thank you seasidegal and Lanny.
  It feels good to be back on the wagon to be honest. I just need to not spend all my time reading everyone's diarys and do some money making instead. I do love a good nose though.
  Ј285 paid off on the new regime today so off to a good start.
  Must update the signature.
• A beautiful day and a day for getting stuff done.
  I don't get paid until next Friday so can't do much paying towards debts. I think the rest of today is going to be spent decluttering and cleaning to see what I can find to sell.
  I think one of the main side effects of long term debt for me has been a complete lack of caring for myself and my home. I have been working hard lately to try and start to get this sorted but really need to work hard on achieving more.
  Im so close to killing off this debt once and for all but think a complete fresh start at home is needed. I don't want the ghosts of the past ruining the soon to be achievement.
  Time to take pride in what I have and who I am.
• Happy shiny new diary
  Taking pride in yourself sounds good
• Thanks Beanielou. It's something I haven't done in a long time.
  A plan to destroy the debt even more quickly is starting to form. The first test of this is after payday....hopefully it will work.
  I also need to start saving for annual cost so I can save money by not having monthly DD's and paying lump sums. Time to top up the credit union savings I think.
• I think one of the most difficult parts of dealing with debt is not living. Everything gets pushed to one side, things start to fall apart....well in my case anyway.
  One of my big problems is the lack of care taken in my house. I have a cellar full of stuff which I could use to do a number of DIY jobs and make the hovel looking like a home again. I have been looking around the house and have decided that to start living again I'm going to put aside Ј20 per month to help out with any DIY projects. The first thing to tackle is completing the bathroom. This was started a long time ago. I have the tile and the grout to replace the ones which have fallen off. I have to paint to freshen it up. I do need to get blinds though, but they are such small windows and I have seen some which will come in my Ј20 budget. I also want to box in part of it where there are lots of pipes on show.
  I do have one big spend which is I need to get a new basin as the current one got cracked. This will have to wait but I can make to rest of it look great with a bit of effort.
  Also if I start using stuff stored in the cellar it will start being sorted without even trying.
  Three weeks to the summer hols. I'm determined to make a head start now.
• I have just posted part of this post on another thread and decided to be lazy and copy it rather than re-type.
  After a few months of avoiding the de-cluttering i think something has snapped in my head because now I can't stop.
  So I have just emerged from under my bed. Blimey I could have stuffed a mattress with the amount of dust under there. Whats even more surprising is that there is space for dust with the amount of rubbish and stuff. Anyway one bin bag filled, the huge fabric stash dated with a date six moths from today and a pile of clothes for the charity shop. I have had my fabric stash for many years and have decided that if it doesn't get used in the next six months its being donated to the charity shop. I have got the summer holidays coming up so hopefully I will have a bit more space sorted to use some of it and make some desperately needed clothes........that fit the ever expanding frame.
  Under the sink was cleared and cleaned on sunday while I was cooking the lunch and the stairs were cleared again yesterday. I started the big sort out of the cupboard in the bedroom last week and threw out loads. This needs to be finished but I can see a light at the end of the tunnel.
  I don't know whats happened to my brain but I hope it carries on. Perhaps a normal, tidyish life is possible.
  Apart from the above I feel that i'm really starting to get on top of my debts now. I have had a huge payout on the car recently but it hasn't sent me into my usual spin.
  I need to hang onto this positive mood, it makes a massive difference to what I can achieve.
• Wishing you all the best
• Thank you sweetpea26.
• During June I decided that I needed a visual reminder of debt to be paid off. Anyway I stuck with a well used formula and drew up a grid of 100 blocks each one worth 1% of my debt. Since then I have managed to fill in 17 of those blocks which I was pleased with but have got stuck until next payday.
  I need a visual to help push me along but I don't want to become bored of it not moving so have been looking at the budget to see what can be scrimped on. With horror I realised I was still paying H*meserve which I meant to cancel a while back as I have sourced cheaper cover which will cover the boiler too. The H*meserve only covers the pipes. So I need to get this cancelled saving a reasonable amount per quarter. The rest of it was pretty tight apart from the spends on the top up shops which is where to money starts to get frittered away. NOW CANCELLED
  I will be breaking up for the summer and need to start working really hard on the challenges which I'm part of.
  Debt free before Xmas 2014 - I really need to keep posting to keep motivated.
  One debt v's 100 days - I have nominated my loan from family member and I REALLY want to be successful with this challenge. I achieved it once before a long time ago.
  July grocery challenge - This is where I loose a lot of my money. I think a Scrooge mentality is needed. I meal plan each fortnight but end up running out a lot.
  I also have a holiday in two weeks but tend to not spend to much and mostly on the toddler. We have decided to take a food shop with us which usually ends up cheaper for us. I may even steal an idea I saw on someone else's diary and cook a few chill is, spag bols and cottage pies to take to cut down on any lazy days where we may be tempted. We are planning a couple of naughty teas but I don't want to be led astray.
  But before I go I want to get as much decluttering done and sell a few bits on eb*y if I can. Oh how I dislike dealing with eb*y but needs must.
  Anyway enough waffle, I need to get on.
• I have been pondering money this morning. I guess that's something most of us do all the time. I decided to check my DMP statement online and it's just over the Ј2000 mark. I was really happy with this as I think next month will be a big boost seeing it come down to well under.
  I also checked the completion date which was 02/02/2015. It now says 02/01/2015. How happy am I and how rude would it be not to pay it all of before Christmas this year. It would be a fantastic Christmas present to myself and to go into a new year without that burden around my neck would be a dream come true.
  So I need to find Ј309 extra which is a months payment.
  I have been in debt so long even this figure seems a lot extra to find as budgets are so tight. So I decided to do some maths (not a strong point of mine)
  Anyway we have 157 days until the end of this year . Where on earth does time go? Dividing the Ј309/157 days = Ј1.97 per day to find.
  Embarrassed
  Very embarrassed
  Not a lot really is it. Parsnip you fool.
  Than I thought after seeing these figures that perhaps I could double it by aiming for a final payment date of 01/11/2014 ( Ј3.94 PER DAY). Imagine my first Christmas for a long, long time not being on a DMP.
  Sorry got a little hysterical there.
  Rather than paying off small amounts each day I'm going to put it into savings each day and pay off a larger lump each month.
  I have decided to state it loud and clear on here.
  I WILL BE DMP FREE BY 01/11/2014.
• It's very doable. I'll be cheering you on.
• PH - you are awesome - look how far you've come! I'll be cheering you on too, to a DMP-free xmas - and if you crack that not topping up the groceries thing, please let me in on the secret
• Ooh, I love decluttering!
  Rolling up my sleeves!
  Where can I get stuck in?!!
• My house please missko.
• Update that sig and add your savings pot to it.