Making a move on debt

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  • muppets
    muppets Posts: 1,476 Forumite
    Name Dropper First Post First Anniversary Debt-free and Proud!
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    Yesterday and today have been busy days, trying to get everything sorted out before I go back to work tomorrow.

    3 loads of washing done between last night and today, about 2/3 of it dried either overnight or when I put it outside this morning. The main bits that are still damp are the bedding, I decided to wash the pillows from the bed and the mattress protector this weekend while I changed the bedding.

    Cable bill came through in an email while we were away so thought I had better pay that before I forgot.
    A bill for an insurance policy also arrived in the post this week, so that has also been paid.
    Electic and gas money came out of the bank yesterday.

    A small amountof £23.50 has been paid to the UK debts.
    PAYDBX 2020 - #01 Pd £15,029.29 / £13,140.66 - 114% 🎉

    MFiT-T5 #36
    3-6 mth EF #5
    €2,445 / 11,100
    Mortgage - PD 126,846.35/ 271,495.07 46.72%[ MF was Aug 2038 now Sept 2035 😲
  • muppets
    muppets Posts: 1,476 Forumite
    Name Dropper First Post First Anniversary Debt-free and Proud!
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    The weather here has been lovely so the heating has finally been turned off and stayed off.

    OH and I cycled to work last tuesday eveing and Sat evening, so I have moved the petrol money work pays us to the overpayments pot, hoping that we can cycle a lot more now as the weather is getting warmer and warmer here.

    On sunday OH and I went out cycling for a few miles, once we got to a local forest we locked up the bikes and walked round the forest.

    Have also been recording how many steps I walk each day, going to record them here so I can keep a record each day.
    Monday 13th 10744
    Tues 14th 8810
    Wed 15th (forgot to wear pedometer)
    Thur 16th 6796 Only word till 2pm, forgot to wear after nap)
    Fri 17th 8570
    Sat 18th 8454
    Sun 19th Forgot to wear pedometer)
    Mon 20th 11404

    Only needed to work for company #2 1 days this week (yesterday) so the hrs have been sent to them straight away.

    A small payment has of £15.00 has been sent to the UK debts.

    Nothing much else has happened in the last week or so, Seems all I do is work eat, sleep repeat.

    Gotta be getting ready now for work this evening.
    PAYDBX 2020 - #01 Pd £15,029.29 / £13,140.66 - 114% 🎉

    MFiT-T5 #36
    3-6 mth EF #5
    €2,445 / 11,100
    Mortgage - PD 126,846.35/ 271,495.07 46.72%[ MF was Aug 2038 now Sept 2035 😲
  • muppets
    muppets Posts: 1,476 Forumite
    Name Dropper First Post First Anniversary Debt-free and Proud!
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    Steps done in the last few days:
    Tue 21st 8371
    Wed 22nd 8674
    Thurs 23 11105
    Fri 24th 8153
    Sat 25th 8609

    Cycled to work on Tue, so have moved the petrol money from work to overpayments, hoping this will all add up quite quick.

    No other money saving/spending has been done in the last week.

    Today has been busy doing all things I don't get time to do in the week while working.

    Work hrs sent to co #1, (this is a 1st that I have got this done by this time of the day)
    Washing done and put on airers as it's raining and they can't go outside
    Kitchen properly tidied up (OH did this)
    Work items got ready for the coming week.

    This coming week is going to be our busy work week, with the exception of friday as it is a paid bank holiday here:T

    Time for some dinner.
    PAYDBX 2020 - #01 Pd £15,029.29 / £13,140.66 - 114% 🎉

    MFiT-T5 #36
    3-6 mth EF #5
    €2,445 / 11,100
    Mortgage - PD 126,846.35/ 271,495.07 46.72%[ MF was Aug 2038 now Sept 2035 😲
  • muppets
    muppets Posts: 1,476 Forumite
    Name Dropper First Post First Anniversary Debt-free and Proud!
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    Today is a paid holiday here :j not sure why I was awake so early though as I could have had a lie in, but still woke up by 5.30am.

    In the last few days 2 small payments of £6 and £5 have be paid to the UK debts, still saving some money while paying small amounts so that I can hopefully get a F+F on one of the 2 smallest debts in a few months.

    Mortgage not gone out today due to the holiday here, not sure if it will go out tomorrow now or Monday.

    Bill for the car insurance has come in and been paid, this was due to be paid by the 5th May, so paid it yesterday, there was just not enough money in the pot saved for this, so borrowed from another till today, with the money that would have gone in today it would have been enough, wanted to get the payment sent though as it was due on Tuesday.

    Done the main monthly shopping for May online and had to go to the store to collect it on Wed, managed to save 10€ off the shopping for ordering it online and with instore discounts managed to save a further 7.50€ , had a voucher for 1€ off washing powder and 5€ voucher to save off the cost of the shopping, making a total saving of 23.50€ so this money has been moved to the overpayments pot for May since it should have come out of Mays budget.


    Jobs for the rest of the day / weekend

    Send work hours to co#1.
    Send work hours to co #2.
    Total up last months work hours.

    Wash work stuff.
    Washing.
    Read meters (elec gas and water).

    Make bread.
    Work out shopping savings from last months budget.
    Sort through paperwork AND file in correct folders and not just shove in the drawer out of the way.
    Visit inlaws today at lunchtime.


    Off to start on some of these jobs after another coffee, as in work again tomorrow and then back off on Sunday.
    PAYDBX 2020 - #01 Pd £15,029.29 / £13,140.66 - 114% 🎉

    MFiT-T5 #36
    3-6 mth EF #5
    €2,445 / 11,100
    Mortgage - PD 126,846.35/ 271,495.07 46.72%[ MF was Aug 2038 now Sept 2035 😲
  • muppets
    muppets Posts: 1,476 Forumite
    Name Dropper First Post First Anniversary Debt-free and Proud!
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    Made a start on some of the jobs

    Jobs for the rest of the day / weekend

    [STRIKE]Send work hours to co#1.[/STRIKE] Done, OH did this
    Send work hours to co #2.
    [STRIKE]Total up last months work hours. [/STRIKE] Done

    Wash work stuff.
    Washing.
    Read meters (elec gas and water).

    Make bread.
    [STRIKE]Work out shopping savings from last months budget.[/STRIKE] Done and added savings to overpayments pot.
    Sort through paperwork AND file in correct folders and not just shove in the drawer out of the way.
    Visit inlaws today at lunchtime.


    A total of 116.51€ saved in April which has been added to overpayments, some of this was the savings from last months shopping, some due to cycling to work and the rest I added at start of the month.
    PAYDBX 2020 - #01 Pd £15,029.29 / £13,140.66 - 114% 🎉

    MFiT-T5 #36
    3-6 mth EF #5
    €2,445 / 11,100
    Mortgage - PD 126,846.35/ 271,495.07 46.72%[ MF was Aug 2038 now Sept 2035 😲
  • muppets
    muppets Posts: 1,476 Forumite
    Name Dropper First Post First Anniversary Debt-free and Proud!
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    Some more jobs done off my list, the rest can be done after work tonight or tomorrow.


    Jobs for the rest of the day / weekend


    Send work hours to co#1. Done, OH did this
    Send work hours to co #2.
    Total up last months work hours. Done
    Wash work stuff. Done
    Washing.
    Read meters (elec gas and water).Done
    Make bread.
    Work out shopping savings from last months budget. Done and added savings to overpayments pot.
    Sort through paperwork AND file in correct folders and not just shove in the drawer out of the way.
    Visit inlaws today at lunchtime. Done



    Mortgage payment went out today, :T
    Needed petrol today, so got that after work this morning, thinking we wouldnt need to go near the shops after work tonight, but OH decided that tomorrow morning we are having a cooked breakfast, so need to stop at the shops and get bacon and baked beans on the way home later.
    PAYDBX 2020 - #01 Pd £15,029.29 / £13,140.66 - 114% 🎉

    MFiT-T5 #36
    3-6 mth EF #5
    €2,445 / 11,100
    Mortgage - PD 126,846.35/ 271,495.07 46.72%[ MF was Aug 2038 now Sept 2035 😲
  • muppets
    muppets Posts: 1,476 Forumite
    Name Dropper First Post First Anniversary Debt-free and Proud!
    Options


    Jobs for the rest of the day / weekend


    Send work hours to co#1. Done, OH did this
    Send work hours to co #2. Done
    Total up last months work hours. Done
    Wash work stuff. Done
    Washing. Done
    Read meters (elec gas and water).Done
    Make bread. Baking in machine now.
    Work out shopping savings from last months budget. Done and added savings to overpayments pot.
    Sort through paperwork AND file in correct folders and not just shove in the drawer out of the way.
    Visit inlaws today at lunchtime. Done
    Nearly all done on the list, just the paperwork to do, this will take a bit of time and have no interest in doing now.
    PAYDBX 2020 - #01 Pd £15,029.29 / £13,140.66 - 114% 🎉

    MFiT-T5 #36
    3-6 mth EF #5
    €2,445 / 11,100
    Mortgage - PD 126,846.35/ 271,495.07 46.72%[ MF was Aug 2038 now Sept 2035 😲
  • muppets
    muppets Posts: 1,476 Forumite
    Name Dropper First Post First Anniversary Debt-free and Proud!
    Options
    In the last 10 days,

    I have made a payment to the UK debts of £23.50.

    Wages for company 1 and 2 have been paid into the bank,
    Wage slips for both have arrived in the post,
    I have saved some money from our wages for taxes.

    Have received vacation money for the year, and have split this money between the 2 vacation pots, 1 pot covers the bills for when we have vacation days from work and the other pot covers money to be spend on these vacation days.

    The credit card bill has come in, this was used when we were away on vacation for a few days last month, the credit card is paid every month, it automatically comes out of the account up to 300€ anything over that amount can be paid through online banking or would be added onto the next months bill. This months bill was just under 400€, so the 300€ was taken out of the account and the remaining 100€ I paid online.


    Tomorrow is a paid holiday here, OH and I are due to go visit OH's parents. Hopefully I can get a lie in tomorrow as I am usually up at 5am to be in work for 6am 6 days a week.
    PAYDBX 2020 - #01 Pd £15,029.29 / £13,140.66 - 114% 🎉

    MFiT-T5 #36
    3-6 mth EF #5
    €2,445 / 11,100
    Mortgage - PD 126,846.35/ 271,495.07 46.72%[ MF was Aug 2038 now Sept 2035 😲
  • muppets
    muppets Posts: 1,476 Forumite
    Name Dropper First Post First Anniversary Debt-free and Proud!
    Options
    Advanced wages from Co - 1 and Co - 2 have been paid into OH's and my bank accounts, this has been added into YNAB and will be used for Junes bills.

    A payment of £15.00 has been paid to the UK debts.


    Jobs for this bank holiday weekend,
    • Send timesheet to Co - 1 and 2 and send order sheet
    • Taxes for both OH and me
    • Make a cleaning rota for home
    • Scrub the patio
    • Wash all windows
    • Washing
    • Visit inlaws
    PAYDBX 2020 - #01 Pd £15,029.29 / £13,140.66 - 114% 🎉

    MFiT-T5 #36
    3-6 mth EF #5
    €2,445 / 11,100
    Mortgage - PD 126,846.35/ 271,495.07 46.72%[ MF was Aug 2038 now Sept 2035 😲
  • muppets
    muppets Posts: 1,476 Forumite
    Name Dropper First Post First Anniversary Debt-free and Proud!
    Options
    muppets wrote: »

    Jobs for this bank holiday weekend,
    • Send timesheet to Co - 1 and 2 Done and send order sheet Not done
    • Taxes for both OH and me Done
    • Make a cleaning rota for home
    • Scrub the patio
    • Wash all windows
    • Washing Done
    • Visit inlaws Done

    Didn't manage to get much done from the list for the bank holiday weekend.
    PAYDBX 2020 - #01 Pd £15,029.29 / £13,140.66 - 114% 🎉

    MFiT-T5 #36
    3-6 mth EF #5
    €2,445 / 11,100
    Mortgage - PD 126,846.35/ 271,495.07 46.72%[ MF was Aug 2038 now Sept 2035 😲
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