Second time lucky... debt free diary.

charlies_tribe · 30 June 2017 at 1:57PM

Thank you Cherryfudge. We have have phone calls and meetings with the school this week so hopefully her confidence picks up soon.

Another £30 paid to CC today and council tax paid, this months (had completely forgot) and did July's too. Fetched dd presents, they probably would have been cheaper from work this weekend as 20% off for staff but wanted to use up the vouchers left from Christmas. Used wrong card to pay the excess though and its come out of the grocery account. It's been building up so not too worried.

Got all account's ready for the first of the month, left July bills and grocery money (thats transferred on the 1st) in the main account everything else left has been swept across to kids and house accounts, i could of made a payment off the cards but with winter fast approaching i'm going to start saving in case we have to replace the boiler, it's on it's last legs and has needed new parts every winter for the last few years. Going to work on cleaning the kitchen this week and finally order the new fridge! Will be paid in full, no credit cards or finance!

Going to write all spends in here again this month to keep track. Will update all totals for 1st tomorrow, £797 paid to debt this month.
Right, better go and get showered, work in an hour.

Poor_Single_lady · 1 July 2017 at 10:35AM

That is a massive amount paid to debt. Doing amazingly well.

charlies_tribe · 1 July 2017 at 11:58AM

Just a quick update as off to work soon. Month 3 totals..
At the Start - Now
Loan: £414 - £0
mbna1: £830 - £763
lloyds: £6987 - £6687
mbna2: £3185 - £30CR
barclay: £9035 - £11355
tesco: £8816 - £8511
sofa: £4287 - £4109

Total £33554 - £31425+30CR

Total paid off so far £2129 (6.3%)

Hiddenidenity · 1 July 2017 at 12:09PM

Amazing progress

charlies_tribe · 1 July 2017 at 11:52PM

Thank you HI.
Been having a read through some diaries tonight, who needs to buy books? I love reading the diaries even though I don't post on many.

DD is doing a 10k charity night walk and wont be home for hours so keeping myself busy.

£6.12 spent today on milk, coffee and sugar and a chocolate bar for DH. I've got a delivery coming tomorrow but will need my morning coffee.
The delivery tomorrow will be a big one, it's come to almost £200! But it's 20% off week so i've used the amount accumulated in the grocery account and tried to stock up on a lot of the dry stuff, coffee, sugar, softner, toiletries, nappies, tins... I'm hoping I've done the right thing and it'll save me a little bit of money over the next few weeks. I'm not quiet sure where i'm going to store it all though.

Christmas has been mentioned for the first time here today, DD1 has asked if she can have an xbox1 or an apple phone and DD2+3 have both asked for a reborn doll! I preferred it so much more when they were little and Santa didn't have to dissapoint them!

Will probably be a spendy week as I have my pre op and op so will have bus fares/parking and probably a few quick meals.

Cherryfudge · 1 July 2017 at 11:58PM

You are doing a great job on the payments!

Lots of good wishes for your medical stuff. I'm going to be away from the end of this week for about 10 days (or less, depending how the wi-fi goes!) so if I miss your progress reports for a while I'll be sure to catch up soon and meanwhile here's hoping for everything to g smoothly and positively.

charlies_tribe · 2 July 2017 at 10:39AM

Thank you cherryfudge.
An embarrassing call from the shop this morning, my payment had been rejected. I had set up a direct debit last month to transfer on the first, I'm guessing because it's weekend it hasn't gone through. It was only a few pound short, would have been enough if I hadn't used the wrong card for the excess on d's present the other day. Might have another coffee and make a start on clearing some space.

charlies_tribe · 10 July 2017 at 12:31PM

Good morning. Cant believe it's been a week since I last posted. Not much happening here. Op went well but off work for a week so wages will be low again this month. I'm not feeling any better though, the tinnitus is worse than before and my ear feels funny but hopefully that should all sort itself out as things settle.

This month CC payments have mostly come out, £457 paid this month, there's 2 left to come out at the end of the month, and it will be under my budget so need to decide which card we are going to tackle first with the first overpayment. I'm thinking my MBNA as there's only £700 odd on it and only coming down at £25 a month and interest is 5% for life of balance, would be nice to see another card gone. Do feel a bit guilty though as that's the only debt in my name, others are all DH's name.
Shopping came yesterday and today will be a NSD, pork slow cooking, smells lovely.

charlies_tribe · 11 July 2017 at 3:40PM

Well yesterday ended up being a spend day. DH had some beer, not sure what change he has from the £10 he took and we went to DD3 art gallery at school so £5 to buy her art. DD2 has her art gallery tomorrow so will be another £5 there.

Not had a productive morning, had a huge headache and fell asleep. Need to find something for dinner. Girls have swimming later so will nip to Mr t to fetch milk, DH and the boys are asking to have the Logan DVD too.

We are both off tomorrow so might have a trip to @ldi, we haven't Bern for over a year, new one opens here soon and then we'll probably visit more often.

DH back with the girls, suppose I should get up and sort some tea.

Hiddenidenity · 11 July 2017 at 4:14PM

Hope you're feeling better soon x

Second time lucky... debt free diary.

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