Happy New Year!

posted in: No Spending | 0

Good evening and happy new year!

I have spent all day updating my 2012 spreadsheet and I was so far behind. I have updated quite a lot but have some more to do.  I feel I have achieved something by writing down about 95% of my spends last year.  This year I will try for 100%

Once completed I will have a look at the figures to see what can be tweaked and set a budget for this year. We hope to move this year but I will set the budget for the year.

We need to cut back on the shopping spend and meal plan.

Once the figures are completed I will post them on this site to track the progress I will make this year.

Relaxing Sunday – spending or money making?

Today I spent £5 which was for the offering at church.

£5

I made some money from the sales on ebay.  Unfortunately a lot of the items sold for 99p plus postage.  After costs this is not going to leave hardly any profit.  All postage costs have been charged at the correct amount so I should not be out of pocket.

As I mentioned in my previous post I started my debt free diary on moneysavingexpert.com. If anybody wants to view the previous 15 months of my journey please visit: http://forums.moneysavingexpert.com/showthread.php?t=3079598&page=1

I want to add some pages to this site where I can record my budget and whether I have achieved it on a monthly basis.  I currently have a page with some goals for 2013 and also a few details on the current finances page.  I want to add monthly payments and the interest rates on this page also.  I also want to add a feedburner where you can subscribe to my blog.

I will report back with an update shortly.  Thank you for reading.

My debt free journey continues

posted in: Welcome | 0

Welcome to my debt free journey!

As the old adage goes, ‘Look after the pennies and the pounds will look after themselves’.
This is a continuation of my journey which I started on moneysavingexpert.com about 15 months ago.

I will post on a regular basis each week and will update my figures  on the ‘Current Position’ page at least once a week.  The start of my posts can be found on this page with a link to the whole post.  If you wish to go straight to the whole post please go to the ‘Updates’ page.

If you wish to contact me, please click on the ‘Contact Me’ page.

Thank you for reading.