Saving More, Spending Less | Our Plan To Be Debt Free ASAP

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I’ve spoken about my financial goals in more detail here but my main goal for 2017 is to be debt free by the end of it or as close to it as possible. Right at the end of 2016, I managed to completely wipe two and just last week I managed to wipe another. I currently have five debts I need to repay – a loan to a friend, a utility bill that spills over from when we had the massive water leak, tax credit repayment and two credit cards. I am planning to adopt the Dave Ramsay Snowball Method to get rid of these – paying off the smallest one first then using my monthly repayment amount for that one to repay the next one and so on. So my friend will be paid back first, then the utility bill, then the tax credits, then the credit cards. I will still be making my usual monthly payments to them all but just focusing more on one than the others in order to get it paid off quicker.

But how do I plan on getting debt free?

By saving more, spending less.

It sounds so simple, doesn’t it? But it really is about doing both of these to really start to get things paid off. Of course, using side hustles to add to my income is another way in which I am planning to do this – with all ££ earned from these to go towards debt – but just how am I going to do this?

Save More

I am planning to save more money through a variety of ways – by skimming my bank account; by using the Chip app as recommended by Be Clever With Your Cash – I earned £10 for signing up via his link, if you sign up here via mine using the code ZUCX07, you get the choice of an extra 1% interest (up to 5%) or a tenner; by getting rid of any unnecessary outgoings and putting the money into my savings. Once a month, I will be using whatever I have saved from these avenues to put towards my debt. Whether it is £5 or £100, every little helps.

Spend Less

I’ve already managed to cut down my spending a lot – gone are the coffee shop trips down my local High Street unless I am invited out by my Mum and she’s paying (cheeky, I know); gone are the subscriptions to magazines I barely have the time to read. The main thing I still need to cut down on are takeaways as they’re just so convenient rather than cooking when you’ve a newborn and a poorly child like I’ve had this week – but I always regret it afterwards, thinking about what I could have used the money towards.

Work More

Obviously most of the time I have to wait for the work to come to  me – I’ve now got a long term client who pays a decent amount each month for web content which is great – but I also need to be extremely proactive. I search social media, I check job websites, I even go on PeoplePerHour (sign up via me here) and apply for jobs on there – the jobs I have been doing recently have pushed me up in visibility and I have now secured another long term client who found me via the site and is buying bulk amounts of work.

I’m free for content writing, blogging, proofreading, blogger outreach, social media management and more. I need to do some work on my work website and promote it more to really get the work coming in. Any extra left over after my bills? Going towards debt.

Hustle, Hustle, Hustle

Finally, I’m going to side hustle like mad. But how am I going to do this?

  • I’m going to check my free daily lotteries – Free Lucky Lottery, NumberPlateLotto (which I have won on before and been paid THE SAME DAY), The Selfie Lottery, Free Postcode Lottery, Lucky Phone and DOB Lotto.
  • Complete online surveys – I’ve recently scaled down the sites I use but I still use Populus Live (I’m currently due a £50 cheque in the post), New Vista Live (ditto), Panelbase, Opinion Outpost, OpinionBar, Pinecone Research, Prolific Academic and YouGov. Some of these offer an email referral scheme so if you’re interested in signing up to Panelbase or OpinionBar under me, just let me know!
  • Swagbuck it up – I’ve really got back into Swagbucks so I will be using the site to help me towards my goal. Sign up here.
  • Sell, sell, sell – I will be selling unwanted items on Facebook selling groups and Shpock, perhaps even eBay. They say the average person has around £4k of stuff in their house that they could sell so I’m definitely going to try!

I’m so hoping that 2017 is my year – it is going to be a hard old slog but I’m sure I can do it! Do you have any other tips for me so that I can pay it off faster?

Join The Birthday Swag Code Extravaganza!

I’m an SB influencer and do receive some SB for you signing up – however this does not cost you anything and I only recommend Swagbucks as it is a site I use myself and love.


Swagbucks is celebrating their 9th birthday, Swagbucks is having a  Swag Code Extravaganzas, which is one of the easiest ways to earn SB! What are SB you ask? SB are points you earn on Swagbucks, a website where you can get gift cards for the things you do online – I’ve gotten lots of PayPal cash and Amazon vouchers  with Swagbucks! What are you waiting for? 

The celebration begins on Monday, 27 February at 8am GMT. All you have to do is look out for the Swag Code notifications, enter the code, and you earn SB (which can be redeemed for gift cards)! There will be 9 swag Codes throughout the day worth a total of 50 SB!

Look out for the Swag Codes all over Swagbucks!

Sign up here to grab as many Swag Codes as you can and get your first gift card even faster!

Celebrate Swagbucks Birthday – And Earn Presents For Yourself

I’m an SB influencer and do receive some SB for you signing up – however this does not cost you anything and I only recommend Swagbucks as it is a site I use myself and love.

Swagbucks is celebrating their birthday all day on February 27th, but they want to give YOU presents. You can play Swago (their version of bingo) all day long, filling out squares as you earn points on their site for doing things you already do online.

For each square you fill in, you get a spin on their big birthday prize wheel, where you can earn up to 2500 points with each spin!

The best part is that the points you get can be used to get free gift cards to places like Amazon, or PayPal cash!

Fill up your board and then submit your patterns to get even more spins and more chances to win big points!

Click here to sign up and get started! If you sign up through my link and earn 300 SB before March 1st, you’ll get a bonus 300 SB!

Share The Swagbucks Love This February

I am a SB influencer and do receive a few SB for people who sign up under my link. This doesn’t cost you anything and I only post about Swagbucks as it is a service I regularly use and love.

February is a month of love, and getting a 500 SB bonus from Swagbucks is their way of showing it! Swagbucks is a rewards site where you earn points (called SB) for things you’re probably doing online already, like searching, watching videos, discovering deals, and taking surveys. Then you take those points and exchange them for gift cards to places like New Look, Amazon, or PayPal cash. 

When you sign up through me this month, you can earn a 500 SB bonus! Here’s how: 

1. Sign up using this link 

2. Earn 300 SB total before 1/3/17. You’ll get a 300 SB bonus for it! 

3. If you spend at least £25 through Swagbucks Shop* you’ll get another 200 SB bonus on top of the cash back you’ll get from shopping. If you have some shopping to do online, just go to Swagbucks first and visit the store through them. It doesn’t cost you anything extra, but you’ll get SB points for every dollar you spend (on top of the bonus)! 

That’s it. It’s super easy, and Swagbucks is for real. I use it myself, and I’ve earned [GIVE EARNED SB AMOUNT, WHAT YOU SPEND IT ON] 

(You must receive your shopping SB before 1 April)

Enjoy your bonus!

Join The Chocolate Dipped Team Challenge on SB

If you sign up via my link, I will be credited with some SB at no cost to you. I share about these promotions as I love the site, any sign ups are just a bonus and not expected or guaranteed. 

Here’s another fun team challenge to help you earn SB from Swagbucks! For those of you who don’t know what Swagbucks is, it’s a website where you can earn cash back on everyday tasks you do online like shopping, answering surveys, discovering deals, and watching videos. You can even earn for searching the web!

Team challenges are so much fun! I love joining them!

They have one themed around Valentine’s day – the Chocolate Dipped Team Challenge begins Monday, 13 February.

Here’s how you can join the challenge and the site:

1. Click here to join the challenge and be assigned to a team. Pre-registration is going on right now! If you don’t already have an account, you can sign up on this page as well.

2. Starting 13 February at 4pm GMT, in addition to earning SB you’ll contribute points to your teams total as you complete different activities on Swagbucks.

3. Check back on the page often to see the scores and what you’ve contributed so far.

All members who participate and contribute at least 400 points to their team’s total will receive a SB bonus in the form of a SB Swag Up Rebate on their next gift card! How great is that?

Not only that, but if you earn 300 SB before 1 March, you’ll get a 300 SB bonus (as long as you’ve signed up under me)!

Members of the 1st place team will receive a 40 SB Swag Up Rebate, members of the 2nd place team will receive a 20 SB Swag Up Rebate, members of the 3rd place team will receive a 10 SB Swag Up Rebate. Your SB Swag Up Rebate will be made available on Friday, February 17th and will expire on Tuesday, February 28th at 7:59am GMT or 11:59pm PT