Wednesday, 5 January 2011


We have created a New Year's Resolution for 2011 to pay off our credit card debts.

A quick look over our income and outgoings tells me that we will have to make a few drastic changes in order to achieve this goal.  At the moment this is roughly what we look like:


  • One full-time salary
  • Plus overtime shifts on occasion
  • One part-time salary, reduced a bit by long term illness
  • Expecting some money back from a Payment Protection Insurance Claim

  • Food
  • Petrol
  • Utilities
  • Council Tax
  • Entertainment
  • Child Maintenance
  • Childcare
  • (We housesit, so do not have rent or mortgage)
Upcoming expenses:
  • MOT both cars next month
  • Tax Disc for one car next month
  • Haircut---would like one since it has been two years and I have split ends
  • Tax disc for one car in June
  • Items for new baby May onwards


  • Two Credit cards
  • One overdraft
  • Two outstanding loans

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