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  • FIRST POST
    • muppets
    • By muppets 22nd Aug 14, 11:55 AM
    • 609Posts
    • 4,559Thanks
    muppets
    Making a move on debt
    • #1
    • 22nd Aug 14, 11:55 AM
    Making a move on debt 22nd Aug 14 at 11:55 AM
    I have finally decided after a number of years of being on this site to start my own diary. A few things have happened in the past few days which have given me the kick up the backside to help clear (some of ) my debts.
    1. Some money that I was owed has been promised to be paid back in the next month or 2
    2. I found out that at the end of the year I could be losing some hours in work, which could mean having to cut rightback on most things.

    I have been in debt on and off for the last 18 years of my life, finally after having enough of the debt I decided that most of the reason for my debt was my ex, while he wasnt the only reason for the debt he was the most cause of it. I finally decided that 2 things needed to happen, (1) was to finally stop getting further into debt and start clearing some of it, and (2) was the ex had to go, the only problem with this was I also lost my job as I had to move away as my ex would have just cause me stress and pain if I had stayed around, so I moved in with some family and started to clear the debt. I vowed to never get into debt again!

    I was able to arrange a payment plan to pay off my creditors, I had about 13 at the time and debts of £20,000 all in my name but run up by both me and the ex.

    In the meantime I met my OH and decided to move to be with him, we lived in a shared house for a few years I got myself part time work and we saved like crazy to move into our own place. I was still paying my debts and managed to get full and finals on a few of the debts saving me even more money to pay off the other debts.


    Last year we needed to rent a vehicle and had to pay the deposit by credit card, I had to bite the bullet and get the credit card just for this one deposit, we now use the CC a few times a month just to pay for online things from Amazon and iTunes, but make sure the CC is cleared each month.

    I was lucky enough to get full time work within the same company, so we decided to buy our own home, we spoke to the bank who told us we could get a mortgage for 100% of the cost of the house we wanted to buy, we also had to pay solicitors fees and registraion costs for the property which was 5% of the cost of the house. We were able to get a loan for some of these costs but were told by the solicitors the day before we signed the final papers for the house that we had to pay 10% registrations cost instead of 5%, and that after a year or so we would get approx 10 % of the registraion costs back, immediate panic set in as we would need another 5,000 to cover this extra cost, or lose the deposit we had already paid, glad to say bank of mum and dad came to the rescue.

    We signed the final papers for our house a year ago, and have just been paying the monthly amount on both the loan and the mortgage for the last year, in the meantime we have saved for all the yearly costs for the house and to run a car and are able to pay them when they are due without getting into anymore debt or adding it to the CC.

    At the start our joint debts were inc interest
    Mortgage - 249,480.00 euros Now - 240,700.19
    Loan - 7,015.07 euros Now - 4,486.38
    Bank of mum n dad - 15,000.00 euros Now - 15,000.00

    The main aim is to pay these debts of 1st and then pay the UK debts. The UK debts are still being paid but i'm in no rush to pay these are they all have interest frozen and the creditors still seem happy with the payment plan that was set up a few years ago.

    UK debts back in Aug 2009 were:
    £20,155.54 and now are £12,666.47

    The UK debts are being paid off at a very very small amount each month, while I will pay back these debts eventually I see no reason to rush to pay them when I am paying interest on my other debts.

    If you haven’t already, join the forum to reply!
    This Forum tip was included in MoneySavingExpert.com's weekly email!
    Last edited by Former MSE Jessica; 11-04-2017 at 2:59 PM.
Page 11
    • muppets
    • By muppets 8th Mar 17, 4:38 AM
    • 609 Posts
    • 4,559 Thanks
    muppets
    Monday our wages from work #1 hit the bank account.
    Yesterday wages from work #2 hit the account.

    Was quit pleased as needed to do the monthly shopping and was worried I might not have enough in the bank to cover it from the spending account. We have enough in the savings account that I could have transferred over if need be.

    Flex insurance money came out of the account, need to speak to the bank about this, it doesn't seem to have changed since before the payment. Had a letter from the bank a few days back, but as it was in French I didn't understand it and neither did hubby. Need to get them to translate it for me and explain why the account didn't go up with the payment.

    Yesterday made an easy chicken curry dinner in the slow cooker. So glad we used some of the wedding money to buy this.

    YNAB is all done for the month with money to spare. Need to wait now for the payslips from both companies before I share the spare money out to the pots.

    On Sunday, we posted the letter back from work #2 agreeing to having online payslips from April. Really hope work #1 starts this as it would be so much quicker.

    Right better get ready and get off to work.
    PAYDBX 2017 - #01 Pd £2,829.98 / £11,000 - 26.17%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF
    €3,800 / 15,000
    Wombles #24 = 268.31
    Mortgage - PD 79,207.55 / 271,495.07 29.17% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
    • muppets
    • By muppets 9th Mar 17, 4:12 AM
    • 609 Posts
    • 4,559 Thanks
    muppets
    Update for Wednesday

    S/E work (List of daily jobs do do). 6 / 31 Tick
    Bed by 10pm or 10.30 if there is a team call 3/ 27 Tick
    Drink 1.5 ltrs of water per day. 6/ 31 Tick
    Time for me/ OH not wasting it on fb games 8/ 31 Tick
    Walk 10,000 steps per day 6/ 31 Tick
    No devises to bed, ipod, phone etc. 8/ 31 Tick

    Full house for yesterday.

    No money news, waiting for payslip for Work#1. Payslip for Work#2 arrived in the post yesterday. Can't do much without work #1's as they are where most of my wages come from.
    PAYDBX 2017 - #01 Pd £2,829.98 / £11,000 - 26.17%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF
    €3,800 / 15,000
    Wombles #24 = 268.31
    Mortgage - PD 79,207.55 / 271,495.07 29.17% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
    • muppets
    • By muppets 9th Mar 17, 8:04 PM
    • 609 Posts
    • 4,559 Thanks
    muppets
    Payslip for work#1 arrived today.
    Moved money around in YNAB.

    Added money into our tax category
    Some into Pensions
    Some was added to Mortgage
    and the last bit of spare money was added to the Electric/ gas fund.

    Have an appointment booked next week with the bank, has a letter last week about my pensions, it was in French. I don't speak French hubby does a bit. Want to get them to change it to either English or Dutch if that can't do English.
    Also some money added to the Pensions last week doesn't seem to have changed our Pension amount, so need to find out from them about this.

    YNAB shuffle done until next month
    PAYDBX 2017 - #01 Pd £2,829.98 / £11,000 - 26.17%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF
    €3,800 / 15,000
    Wombles #24 = 268.31
    Mortgage - PD 79,207.55 / 271,495.07 29.17% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
    • muppets
    • By muppets 11th Mar 17, 8:23 PM
    • 609 Posts
    • 4,559 Thanks
    muppets
    Update for Thursday

    S/E work (List of daily jobs do do). 7 / 31 Tick
    Bed by 10pm or 10.30 if there is a team call 7/ 27 Tick
    Drink 1.5 ltrs of water per day. 7/ 31 Tick
    Time for me/ OH not wasting it on fb games 9/ 31 Tick
    Walk 10,000 steps per day 7/ 31 Tick
    No devises to bed, ipod, phone etc. 9/ 31 Tick
    Ticks all round

    Update for Friday

    S/E work (List of daily jobs do do). 7 / 31 No Tick
    Bed by 10pm or 10.30 if there is a team call 7/ 27 No Tick
    Drink 1.5 ltrs of water per day. 8/ 31 Tick
    Time for me/ OH not wasting it on fb games 10/ 31 Tick
    Walk 10,000 steps per day 8/ 31 Tick
    No devises to bed, ipod, phone etc. 10/ 31 Tick

    Didn't work enough on S/E work and wasn't in bed by 10pm due to the rugby on in the evening. Was nearly 11pm here by the time the rugby was over and I got to bed.
    PAYDBX 2017 - #01 Pd £2,829.98 / £11,000 - 26.17%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF
    €3,800 / 15,000
    Wombles #24 = 268.31
    Mortgage - PD 79,207.55 / 271,495.07 29.17% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
    • muppets
    • By muppets 11th Mar 17, 8:25 PM
    • 609 Posts
    • 4,559 Thanks
    muppets

    Have an appointment booked next week with the bank, has a letter last week about my pensions, it was in French. I don't speak French hubby does a bit. Want to get them to change it to either English or Dutch if that can't do English.
    Also some money added to the Pensions last week doesn't seem to have changed our Pension amount, so need to find out from them about this.

    YNAB shuffle done until next month
    Originally posted by muppets
    Date of appointment not confirmed yet for next week, was hoping I would have the confirmation of 1 of the 2 chosen days by yesterday or even today at the latest.
    The money has now shown up in the pensions fund, so don't need to go to the bank now, but can't cancel the appointment until the dat was confirmed. Bit stupid but what can I do.
    PAYDBX 2017 - #01 Pd £2,829.98 / £11,000 - 26.17%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF
    €3,800 / 15,000
    Wombles #24 = 268.31
    Mortgage - PD 79,207.55 / 271,495.07 29.17% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
    • muppets
    • By muppets 14th Mar 17, 4:10 AM
    • 609 Posts
    • 4,559 Thanks
    muppets
    Update for Saturday, Sunday, monday

    S/E work (List of daily jobs do do). 8 / 31 No Tick
    Bed by 10pm or 10.30 if there is a team call 8/ 27 No Tick
    Drink 1.5 ltrs of water per day. 11/ 31 Tick
    Time for me/ OH not wasting it on fb games 13/ 31 Tick
    Walk 10,000 steps per day 11/ 31 Tick
    No devises to bed, ipod, phone etc. 13/ 31 Tick

    Most days all was achieved, still the S/E work is not always getting done.
    PAYDBX 2017 - #01 Pd £2,829.98 / £11,000 - 26.17%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF
    €3,800 / 15,000
    Wombles #24 = 268.31
    Mortgage - PD 79,207.55 / 271,495.07 29.17% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
    • muppets
    • By muppets 15th Mar 17, 11:05 AM
    • 609 Posts
    • 4,559 Thanks
    muppets
    Update for Tuesday

    S/E work (List of daily jobs do do). 8 / 31 No Tick
    Bed by 10pm or 10.30 if there is a team call 9/ 27 Tick
    Drink 1.5 ltrs of water per day. 12/ 31 Tick
    Time for me/ OH not wasting it on fb games 14/ 31 Tick
    Walk 10,000 steps per day 12/ 31 Tick
    No devises to bed, ipod, phone etc. 14/ 31 Tick

    Most was achieved, still the S/E work is not always getting done.
    PAYDBX 2017 - #01 Pd £2,829.98 / £11,000 - 26.17%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF
    €3,800 / 15,000
    Wombles #24 = 268.31
    Mortgage - PD 79,207.55 / 271,495.07 29.17% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
    • muppets
    • By muppets 19th Mar 17, 7:11 AM
    • 609 Posts
    • 4,559 Thanks
    muppets
    Update for Wednesday, Thurs, fri and Saturday

    S/E work (List of daily jobs do do). 9 / 31
    Bed by 10pm or 10.30 if there is a team call 11/ 27
    Drink 1.5 ltrs of water per day. 15/ 31
    Time for me/ OH not wasting it on fb games 18/ 31
    Walk 10,000 steps per day 16/ 31
    No devises to bed, ipod, phone etc. 18/ 31 Tick

    S/E work is still falling short
    Didn't make it to bed on time every night
    Did drink enough water apart from yesterday
    Spent time for me and O/H
    Steps done every day
    No devises to bed is the one I have managed to stick to every day.
    PAYDBX 2017 - #01 Pd £2,829.98 / £11,000 - 26.17%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF
    €3,800 / 15,000
    Wombles #24 = 268.31
    Mortgage - PD 79,207.55 / 271,495.07 29.17% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
    • muppets
    • By muppets 19th Mar 17, 7:20 AM
    • 609 Posts
    • 4,559 Thanks
    muppets
    This weekend to do list

    1- Send work hours #1 #2 - DONE
    2 - Work Saturday - DONE
    3 - Washing - DONE
    4 - Top up shop - DONE
    5 - Buy online ticket to event - DONE

    6 - YNAB -
    7 - Pay subscription fee -
    8 - Pay Car ins -
    9 - Pay Dr -
    10 - Transfer money to cover car ins -
    11 - Health fund - 2 receipts -
    12 - Sort out hard drive -
    13 - S/E work power hour Sat - DONE

    14 - S/E work power hour Sun -
    15 - Watch Rugby - DONE
    16 - Update threads I post on -
    17 - Move money for S/E tax -
    18 - Go through saved videos on fb and delete no longer needed / copy n paste to word document -
    19 - Go through messages and update them on one note -
    20 - Exercise Sat, Sunday Rest day - DONE
    21 - Update dfbx17 thread -

    Some jobs I managed to tick off yesterday, the rest I want to get done today.
    PAYDBX 2017 - #01 Pd £2,829.98 / £11,000 - 26.17%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF
    €3,800 / 15,000
    Wombles #24 = 268.31
    Mortgage - PD 79,207.55 / 271,495.07 29.17% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
    • muppets
    • By muppets 20th Mar 17, 4:14 AM
    • 609 Posts
    • 4,559 Thanks
    muppets
    Update for Sunday

    S/E work (List of daily jobs do do). 10/ 31
    Bed by 10pm or 10.30 if there is a team call 12/ 27
    Drink 1.5 ltrs of water per day. 16/ 31
    Time for me/ OH not wasting it on fb games 19/ 31
    Walk 10,000 steps per day 17/ 31
    No devises to bed, ipod, phone etc. 19/ 31 Tick

    While I didn't do all the S/E work I wanted to to do, what I did do I was happy with.
    Ticks for all the rest. Wasn't sure I would get the steps done, as I was falling behind and had to make a real effort to walk round the house to get to 10,000.
    PAYDBX 2017 - #01 Pd £2,829.98 / £11,000 - 26.17%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF
    €3,800 / 15,000
    Wombles #24 = 268.31
    Mortgage - PD 79,207.55 / 271,495.07 29.17% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
    • muppets
    • By muppets 20th Mar 17, 4:19 AM
    • 609 Posts
    • 4,559 Thanks
    muppets
    This weekend to do list

    6 - YNAB - DONE
    7 - Pay subscription fee -
    8 - Pay Car ins - DONE
    9 - Pay Dr - DONE
    10 - Transfer money to cover car ins - DONE
    11 - Health fund - 2 receipts - DONE

    12 - Sort out hard drive -

    14 - S/E work power hour Sun - DONE
    16 - Update threads I post on - DONE

    17 - Move money for S/E tax -
    18 - Go through saved videos on fb and delete no longer needed / copy n paste to word document -
    19 - Go through messages and update them on one note - HALF DONE
    21 - Update dfbx17 thread - DONE

    Some jobs I managed to tick off yesterday, the rest I want to get done today.
    Originally posted by muppets
    Managed to get a few more jobs knocked off the list. #12 #18 and #19 are all jobs that will take a bit of time, so not going to worry to much about them.
    #7 Subscription fee I have until the 4th April, so will get that done this week.
    PAYDBX 2017 - #01 Pd £2,829.98 / £11,000 - 26.17%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF
    €3,800 / 15,000
    Wombles #24 = 268.31
    Mortgage - PD 79,207.55 / 271,495.07 29.17% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
    • muppets
    • By muppets 20th Mar 17, 4:25 AM
    • 609 Posts
    • 4,559 Thanks
    muppets
    This weeks to do list

    1 - Phone and get appointment Wednesday's moved to later in the day. -
    2 -
    Pay subscription fee -
    3 - Wednesday appointment
    4 -
    Sort out hard drive -
    5 -
    S/E work power hour every day -
    6 - YNAB -
    7 -
    Move money for S/E tax -
    8 -
    Go through rest of messages and update them on one note -
    9 -
    Go through saved videos on fb and delete no longer needed / copy n paste to word document -

    Will add more to the list through out the week when I think of them
    PAYDBX 2017 - #01 Pd £2,829.98 / £11,000 - 26.17%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF
    €3,800 / 15,000
    Wombles #24 = 268.31
    Mortgage - PD 79,207.55 / 271,495.07 29.17% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
    • muppets
    • By muppets 21st Mar 17, 4:18 AM
    • 609 Posts
    • 4,559 Thanks
    muppets
    Update for Monday

    S/E work (List of daily jobs do do). 10/ 31 -
    Bed by 10pm or 10.30 if there is a team call 12/ 27 -
    Drink 1.5 ltrs of water per day. 17/ 31 - Tick
    Time for me/ OH not wasting it on fb games 20/ 31 - Tick
    Walk 10,000 steps per day 18/ 31 - Tick
    No devises to bed, ipod, phone etc. 20/ 31 Tick

    Again S/E work not all of the daily jobs done.
    Was in bed after 10.00pm and lights out at 10.30pm want to try and have lights out by 10.00pm
    PAYDBX 2017 - #01 Pd £2,829.98 / £11,000 - 26.17%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF
    €3,800 / 15,000
    Wombles #24 = 268.31
    Mortgage - PD 79,207.55 / 271,495.07 29.17% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
    • muppets
    • By muppets 21st Mar 17, 4:20 AM
    • 609 Posts
    • 4,559 Thanks
    muppets
    This weeks to do list

    1 - Phone and get appointment Wednesday's moved to later in the day. - DONE
    2 -
    Pay subscription fee - problem with their payment option
    3 - Wednesday appointment
    4 -
    Sort out hard drive -
    5 -
    S/E work power hour every day - email from work put me in a bad mood couldn't concentrate.
    6 - YNAB - DONE
    7 -
    Move money for S/E tax -
    8 -
    Go through rest of messages and update them on one note -
    9 -
    Go through saved videos on fb and delete no longer needed / copy n paste to word document -

    Will add more to the list through out the week when I think of them
    Originally posted by muppets
    So just 2 items crossed off the list. Would be happier with more.
    PAYDBX 2017 - #01 Pd £2,829.98 / £11,000 - 26.17%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF
    €3,800 / 15,000
    Wombles #24 = 268.31
    Mortgage - PD 79,207.55 / 271,495.07 29.17% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
    • muppets
    • By muppets 21st Mar 17, 4:27 AM
    • 609 Posts
    • 4,559 Thanks
    muppets
    Annoyed with work #1 at the moment.

    Yesterday we had an email from our main supervisor, she said she didn't receive our request for vacation time, that is happening in just over 2 weeks.
    We sent the request to both her and our other supervisor back in Feb and both of them sent a read report. Annoyed that she now claims she didn't receive the request.
    I replied to her email and sent a copy of both the read reports and re requested the vacation time. Telling her I hope after all this time it was now approved as we would lose a lot of money on hotel and flights if we had to cancel.
    This is the 2nd tile she has done this, saying she didn't receive a email but had sent the read report.
    Our other supervisor told me before that the main one see's the emails and clicks read, but doesn't deal with the email or print it off straight away and then forgets she had it.
    Rant over, need to start thinking about getting ready for work.
    PAYDBX 2017 - #01 Pd £2,829.98 / £11,000 - 26.17%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF
    €3,800 / 15,000
    Wombles #24 = 268.31
    Mortgage - PD 79,207.55 / 271,495.07 29.17% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
    • muppets
    • By muppets 22nd Mar 17, 4:29 AM
    • 609 Posts
    • 4,559 Thanks
    muppets
    This weeks to do list


    2 -
    Pay subscription fee - problem with their payment option, will need to ring them
    3 - Wednesday appointment
    4 -
    Sort out hard drive -
    5 -
    S/E work power hour every day - DONE
    7 -
    Move money for S/E tax -
    8 -
    Go through rest of messages and update them on one note - working through them
    9 -
    Go through saved videos on fb and delete no longer needed / copy n paste to word document - working through them

    Only managed to cross 1 off the list yesterday. Glad I did enough S/E work and finally happy with what I did do.
    PAYDBX 2017 - #01 Pd £2,829.98 / £11,000 - 26.17%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF
    €3,800 / 15,000
    Wombles #24 = 268.31
    Mortgage - PD 79,207.55 / 271,495.07 29.17% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
    • muppets
    • By muppets 22nd Mar 17, 4:31 AM
    • 609 Posts
    • 4,559 Thanks
    muppets
    Update for Tuesday

    S/E work (List of daily jobs do do). 11/ 31 - YES
    Bed by 10pm or 10.30 if there is a team call 13/ 27 - YES
    Drink 1.5 ltrs of water per day. 18/ 31 - YES
    Time for me/ OH not wasting it on fb games 21/ 31 - YES
    Walk 10,000 steps per day 19/ 31 - YES
    No devises to bed, ipod, phone etc. 21/ 31 YES

    YES all done yesterday. Managed to do all the daily jobs on my S/E list.
    PAYDBX 2017 - #01 Pd £2,829.98 / £11,000 - 26.17%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF
    €3,800 / 15,000
    Wombles #24 = 268.31
    Mortgage - PD 79,207.55 / 271,495.07 29.17% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
    • muppets
    • By muppets 22nd Mar 17, 4:34 AM
    • 609 Posts
    • 4,559 Thanks
    muppets
    Received advance wages from work #2, should be receiving advance from work #1 tomorrow or Friday. These get allocated to Aprils money on YNAB.

    Work #1 approved my vacation for next month. Can stop worrying now that it wouldn't be approved and i'd have to cancel and lose all our money.

    No other news.
    PAYDBX 2017 - #01 Pd £2,829.98 / £11,000 - 26.17%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF
    €3,800 / 15,000
    Wombles #24 = 268.31
    Mortgage - PD 79,207.55 / 271,495.07 29.17% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
    • muppets
    • By muppets 23rd Mar 17, 4:35 AM
    • 609 Posts
    • 4,559 Thanks
    muppets
    Update for Wednesday

    S/E work (List of daily jobs do do). 12/ 31 - YES
    Bed by 10pm or 10.30 if there is a team call 14/ 27 - YES
    Drink 1.5 ltrs of water per day. 19/ 31 - YES
    Time for me/ OH not wasting it on fb games 22/ 31 - YES
    Walk 10,000 steps per day 20/ 31 - YES
    No devises to bed, ipod, phone etc. 22/ 31 YES

    YES all done yesterday. Managed to do all the daily jobs on my S/E list.
    PAYDBX 2017 - #01 Pd £2,829.98 / £11,000 - 26.17%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF
    €3,800 / 15,000
    Wombles #24 = 268.31
    Mortgage - PD 79,207.55 / 271,495.07 29.17% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
    • muppets
    • By muppets 24th Mar 17, 4:22 AM
    • 609 Posts
    • 4,559 Thanks
    muppets
    Update for Thursday

    S/E work (List of daily jobs do do). 13/ 31 - YES
    Bed by 10pm or 10.30 if there is a team call 14/ 27 - NO
    Drink 1.5 ltrs of water per day. 20/ 31 - YES
    Time for me/ OH not wasting it on fb games 23/ 31 - YES
    Walk 10,000 steps per day 21/ 31 - YES
    No devises to bed, ipod, phone etc. 23/ 31 YES

    All good yesterday apart from getting to bed on time. Was on a team call that went past 10.30pm. I could have left to make it to bed on time but stayed that bit longer.
    PAYDBX 2017 - #01 Pd £2,829.98 / £11,000 - 26.17%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF
    €3,800 / 15,000
    Wombles #24 = 268.31
    Mortgage - PD 79,207.55 / 271,495.07 29.17% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
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