Well here we go again with the same old resolution. For the last three years I have decided to not get into any more debt and to pay off what I owe. We are in negative equity and have to find three thousand pounds to pay the solicitor and the stamp duty! However, this will not be from debt but from my over time payments which were going to be used to pay off debt.
The good news is though, that I've brought all of my debts down to 20,132! Had two pay rises and earnt an extra 2500 in tutoring after school. Everything I don't need goes on ebay and we're carbooting on sunday to clear the clutz and hopefully make at least 50 pounds!
Food wise - I haven't been shopping since before Christmas and we're onto odd concoction soup now wiht homemade bread - clearing the cupboards - I've baked, hand washed, dried everything outside in the crisp dry winter air and had the heating on for only two hours a day!
2 comments:
You have a mountain to climb but it's not impossible. Do your best to get your debts paid, but don't beat yourself up about it. There are loads of ways to save a few pounds here and there, once you get into the swing of it, it becomes second nature and you do it automatically. You don't have to suffer, just get things into perspective.
I am sitting here with no heating on, three teeshirts, two sweatshirts, body warmer, jacket, leggins, jog bottoms, wooly skirt, two pairs of socks, big fluffy slippers, scarf, fingerless gloves, oh and pants, nearly forgot. And if it gets any colder I shall put a wooly hat on.
There certainly is light at the end of this temporary tunnel. It's amazing that we could afford where we live when we moved in - 2007 and the cost of living has shot up so much that something had to give. 2012 - here I come.
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