I started last year saving well and blogging regularly about how I was getting on and ways to save and earn money. Unfortunately as the year progressed although my saving was still on track I lost sight of the blogging element.
So, after a month to reset, the saving is back on course and blogging has started.
As last year I managed to save so well for Christmas (£100 worth of alcohol, £400 worth of food, computer consoles, board games, scooters, all paid for with my savings) I’m trying two things this year.
- Save for Christmas
- Pay off debts
Christmas saving will pretty much be the same as last year. I want £150 minimum in vouchers, £500 for food and alcohol. Paying off my debts will be harder.
In my youth, before the recession, when banks threw money at you from the moment you turned 18, I embraced it. Credit cards, loans, overdraft, store cards, I had them all. And when I was struggling to pay the banks simply upped my limit or gave me another loan to pay a card off. Now I’m not blaming the banks, I am at fault but there has to be some sort of responsible lending issues going on to.
Now I have been with a debt management company for some time, slowly paying off my debts. I could have gone down the route of bankruptcy and all of my debts would be forgotten by now but this was my mess and I was responsible for fixing it.
I have paid of a number of debts over the years but I still have some to go. So, with this in mind, I am utilising websites such as eBay and TopCashBack to earn money to pay these debts.
I’ll blog again and go into more detail with regards to the debts but I am currently looking at getting an £86 debt paid as soon as possible. A lot of people will think £86 is not much and why don’t I just get it paid, but its not that easy when you budget your monthly pay pretty much down to the pound. I have already saved to pay this debt and earned a bit more. The original plan was to have it paid by April 1st but I am now planning to have it paid by February 28th.
£68 has been earmarked for this debt so far so less than £20 to go. I have things selling on eBay so there is even the possibility of paying this debt before the 28th if things sell well.
A quick rundown of my Christmas savings too are:
I’m pleased with this start.
My items I’m selling on eBay can be found here.
A new blog will be coming soon! I promise!