On a Mission

boxofpaws wrote: »

Mummy-bear, hello


I like to read diaries of people with similar debt to mine, so I have subscribed. You're doing marvellously.


Don't be down about the car, just think, 2 months ago, that cost would have just been added to an increasing number. Now it has just slightly slowed down the shrinking number.


Its all good.


Paws

Thanks Paws for stopping by.

I see from your signature you've done some major debt busting since Jan. Well done.

I've already subscribed to your diary as I too like to follow those at similar debt. However when last I read it you were taking a diary break. Just popped over and glad to see your back :j

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My plans for the day changed slightly when my mum invited me to open to an open day at the community gardens. It was free with a bouncy castles and brass band so thought why not. Well I've come away with pretty much securing 3 greenhouse allotment plots and 1 outside allotment plot for...... .....
I can't believe it. Its a giant greenhouse with around 20 allotments inside . But they're not calling it an allotment instead they're growing beds and it's for the community for free. Only thing they ask is to donate produce for fundraisers and the like.

Can't wait to get cracking.the plots need weeding and clearing up but hopefully next year we'll have some good veggie crops :j:j:T

MB

New balance's as of 24th July 2017

Lloyds CC £1443.20
Next £240.25 Paid off £2.30
MBNA CC £4280.58
Barclaycard CC £2720
My overdraft £112.65
Tesco Loan £10,225.92
Santander Loan £5565.11
DH overdraft £700
TV -DH purchase £703.90
M&S Loan £8220.88*
Bicycle finance £187.5*
Other £571.89*

*(not strictly accurate, will update once I have accurate figures)

Total Debt as of July 9th - £35055.74
Total debt as of July 14th - £34842.02
Total debt as of July 17th -£34473.53
Total debt as of July 18th -£34468.93
Total debt as of July 19th - £34353.93
Total debt as of July 21st - £34971.87
Total debt as of July 24th - £34969.57

Total cleared since 9th July - £86.17




Another mini win with finding a free car park space.
£2.30 off the Next account and £2.30 into emergency fund


Emergency Fund total - £24.91


This EF will increase bit by bit. DH will most likely be able to contribute £100 and from September I will also.
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I had a success with my Fitbit last week.


I've had it for about 18 months. Last September the strap snapped and I contacted fitbit customer services who kindly replaced it with no issues.


Fast forward to about 1 month ago and my new fitbit strap started bubbling and coming away from the screen. Contacted customer services with a photo. I was offered a replacement or 50% off a newer model. I've gone for the free option. My new fitbit arrived today :j .


Honestly they have the best customer service.

MB

Further update following speaking to DH

New balance's as of 27th July 2017

Lloyds CC £1393.20 £50 paid off
Next £237.95
MBNA CC £4230.58
£50 paid off
Barclaycard CC £2655 £65 paid off
My overdraft £112.65
Tesco Loan £10,225.92
Santander Loan £5565.11
DH overdraft £700
TV -DH purchase £703.90
M&S Loan £8065.76* £155.12 paid off
Bicycle finance £187.5*
Other £571.89*

*(not strictly accurate, will update once I have accurate figures)

Total Debt as of July 9th - £35055.74
Total debt as of July 14th - £34842.02
Total debt as of July 17th -£34473.53
Total debt as of July 18th -£34468.93
Total debt as of July 19th - £34353.93
Total debt as of July 21st - £34971.87
Total debt as of July 24th - £34969.57
Total debt as of July 27th - £34649.45

Total cleared since 9th July - £406.29


Considering we had to pay out almost £600 for the car I'm happy that we've still been able to reduce the debt. Still got a few things due out this month that should bring the total to around £500 paid off in July.

August will hopefully have NO unexpected payments


MB