Learning to budget to make future adventures happen

MistyMountainTop · 23 January 2017 at 10:45AM

I hope you're feeling better now and have a bit more energy. xx

crunch_time · 23 January 2017 at 8:27PM

Thanks people! I do feel miles better thanks.

Count to pay day is on (Friday). Planning to pay off £300 as the minimum payment to the loan won't go out until the 2nd. This will round it down nicely to £9k and will mean I will have paid off my car that I haven't owned for a year!!!

The next £4k is my student debt from my last time at uni full time. I graduated in 2010 but didn't start my first job until January 2011 so its been sitting around bugging me for over 6 years!

I'm going to smash it hopefully in 6 months or less!!

Yes! Lets do this!

Crunchy xx

crunch_time · 24 January 2017 at 8:29PM

Evening all

Just checked the bank balances and husband has been paid some expenses that he has been owed since last year (£296). This has been rounded up to £300 with some of my money and then swiftly transferred to the loan. So it is now down to £9000 and my old car has been paid off!

YESSSSSSSSSSSSS!!!!!!!

Still planning to pay £300 off on Friday meaning we will be in the £8xxxx. Or £8700 to be precise and then it will be £8425 on the 2nd! I should probably then find £25 to round it down nicely to £8400 and then chuck another £250 at it once husbands car stuff has come out budget so hopefully £8150 very soon.

And husband is also owed another £300 of expenses so I might be in the £7xxx very soon which would be amazing!!!!

Visualising it like this is really helping me count it down as it seems like such a large amount to bite away.

Be gone loan be gone!

Crunchy xx

abba1772 · 24 January 2017 at 9:46PM

That's great news about paying off your car xx

louby40 · 24 January 2017 at 10:11PM

Great news! I love seeing it come down

mummytogirls · 24 January 2017 at 10:55PM

£7k's would be amazing Crunchy! Keep going you've got fantastic momentum xx

crunch_time · 26 January 2017 at 2:27PM

Afternoon diary,

Currently playing a game with my dd called 'yes you are going to have a nap whatever it takes.' Whatever it takes so far is me putting her back to bed at least 10 times already. She is currently still in her bedroom whinging but hasn't come out yet so this is progress. I will succeed. She needs it. She is ill and yawning but being defiant. Grrrrrrr.

Vets trip for the cat cost £10 less than I thought. Checked bank balance and no more expenses paid but hopefully will tomorrow with husbands pay.

I also got vaccination and neutering costs from the vet for the potential dog that hopefully will happen soon. We are still waiting for the !!!!! to come in season. So it won't be April but maybe early Summer. I was going to put some money aside from march and April pay. It I think I shall just charge ahead with debt pay off as we can always do minimum in payments for a few months to cover the costs. When she is pregnant we need to pay a deposit of £100 which is fine and then another £700. Just need to work out the monthly costs now as well.

Husband and I are having some very interesting discussions about our future now we are nearing the end of this debt payment. I've been paying off debt now for so long a lot of the things I wanted to do once it was gone, I'm. It sure I want to do anymore. It's totally changed my view of money.

This journey that is.

Crunchy xx

crunch_time · 27 January 2017 at 8:20AM

Pay day!

£225 off the loan bringing it to £8875!! £275 on Thursday next week which will round it down to £8500.

We've paid off £1111 in January alone. Can't wait to have that money to ourselves!

Crunchy xx

Seasidegal58 · 28 January 2017 at 12:26AM

That's a fantastic amount to pay off in January crunchie! Well done! You and hubby must be over the moon! :T

crunch_time · 28 January 2017 at 8:32AM

Morning diary

Thanks seasidegal - it does feel good. Need to pay off that amount a month if we want to get rid by Christmas.

Couple of things I've been thinking about lately....

Haven't used my credit card now for 3 months and I don't even miss it!! I'm forced to pace ourselves over the month.

I'm trying really hard not to wish this year away I can't wait to be debt free - does anyone have any tips or wisdom in this area?

I have t had an alcoholic beverage for 2 weekends and feel soooo much better for it. Might see how long I can go without it at home.

Hope everyone has lovely weekends

Crunchy xx

Learning to budget to make future adventures happen

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