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  • FIRST POST
    • Dolly Rocker
    • By Dolly Rocker 12th Aug 15, 11:42 AM
    • 2,655Posts
    • 7,059Thanks
    Dolly Rocker
    My 2015-2020 timeline diary.........
    • #1
    • 12th Aug 15, 11:42 AM
    My 2015-2020 timeline diary......... 12th Aug 15 at 11:42 AM
    Hey,

    This is my timeline diary, I am going to keep this up to date with my debt, savings & all that jazz until I am a debt free, home-owning responsible adult

    I am setting myself this timeline because I realise now that it will take me this long to sort out my life financially.

    My main problems are frivolous spending on anything really, spending on credit cards just because I have them & also holidays!

    So here goesssssssssssss

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
Page 26
    • monz
    • By monz 5th Oct 16, 9:06 AM
    • 1,948 Posts
    • 4,087 Thanks
    monz
    Hope you had a nice relaxing night xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    Florida 2017 saving £2,698.95 (shd be £2,778.93/£80 short)
    Gym 0/15 Dec
    house deposit £3,500.02/10,000
    Xmas 2017 - 8/365 No.35
    • Dolly Rocker
    • By Dolly Rocker 5th Oct 16, 9:36 AM
    • 2,655 Posts
    • 7,059 Thanks
    Dolly Rocker
    It was great monz.

    DH pottered about getting organised for his couple of nights away & I checked the bank, CC's & my wee savings spreadsheet - so obsessed with it all!

    We watched a wee episode of Ray Donovan then I went to bed & he played the x-box for an hour.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • Thistle-down
    • By Thistle-down 5th Oct 16, 10:06 AM
    • 908 Posts
    • 3,105 Thanks
    Thistle-down
    It sounds like a lovely night, Dolly. It's funny how much I enjoy a quiet night in now, there has to be something pretty special going on to get me out of the house in the evenings!
    • Dolly Rocker
    • By Dolly Rocker 5th Oct 16, 10:22 AM
    • 2,655 Posts
    • 7,059 Thanks
    Dolly Rocker
    Same here!

    I used to live for going out & now I am the complete opposite.

    Love a wee cosy night in.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • Dolly Rocker
    • By Dolly Rocker 5th Oct 16, 5:17 PM
    • 2,655 Posts
    • 7,059 Thanks
    Dolly Rocker
    DH's italian sweets arrived today, perfect timing as he is away so means I can get them home & stash them somewhere.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • Thistle-down
    • By Thistle-down 6th Oct 16, 9:53 AM
    • 908 Posts
    • 3,105 Thanks
    Thistle-down
    Nice! I'd be tempted to eat them all myself, especially as you now have 'extra'
    • Dolly Rocker
    • By Dolly Rocker 6th Oct 16, 10:10 AM
    • 2,655 Posts
    • 7,059 Thanks
    Dolly Rocker
    I have tucked them away safely in my wardrobe & even listed some of them on ebay!

    Might aswell try & make some of the money back if I can.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • Smolly
    • By Smolly 6th Oct 16, 11:15 AM
    • 179 Posts
    • 482 Thanks
    Smolly
    Hello Dolly

    Have just caught up with your diary. I am really impressed with your debt busting and I love your lists! (always love a good list). Am subscribing! x
    LBM Jul 16 £26,823.83, Nov 16 £27,961.98
    EF #205 £0/£1000
    • Dolly Rocker
    • By Dolly Rocker 6th Oct 16, 11:51 AM
    • 2,655 Posts
    • 7,059 Thanks
    Dolly Rocker
    Aw thanks Smolly.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • Dolly Rocker
    • By Dolly Rocker 6th Oct 16, 3:00 PM
    • 2,655 Posts
    • 7,059 Thanks
    Dolly Rocker
    Canada funds - Goal 4000.00
    Payments
    Jan - 0.00 Feb - 0.00 Mar - 204.00 Apr - 204.00 May - 204.00
    Jun - 204.00 Jul - 204.00 Aug - 204.00 Sep - 204.00 Oct - 274.00

    Still to Pay
    Nov - 298.00 Dec - 298.00 Jan - 298.00 Feb - 404.00 Mar - 404.00 Apr - 298.00
    May - 289.00

    IOU's
    490.78 - MBNA card payment (paid early to get BT for another card)
    389.00 - Dublin (will pay this back from savings December 2016)
    41.96 - Overspend on current account (better fund management needed)
    20.00 - Christmas gift (got a good deal so had to buy now)
    17.00 - Christmas gift (got a good deal so had to buy now, DH to pay back)
    16.00 - Christmas gift (got a good deal so had to buy now, me to pay back)

    Withdrawals
    772.00 - Flights PIF
    285.00 - Hotel part payment

    Notes
    God almighty all those IOU's Just stuck another IOU post it in my savings notebook & realised how many there were! No more borrowing from the savings. My NDS's in October will work to paying back as much of this as is possible.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • Dolly Rocker
    • By Dolly Rocker 6th Oct 16, 3:02 PM
    • 2,655 Posts
    • 7,059 Thanks
    Dolly Rocker
    Need to keep more on top of the finances, feels like a full time job sometimes!

    I spend more time logging into my bank & scribbling all these notes down than I do anything else in life

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • Thistle-down
    • By Thistle-down 6th Oct 16, 3:32 PM
    • 908 Posts
    • 3,105 Thanks
    Thistle-down
    Need to keep more on top of the finances, feels like a full time job sometimes!

    I spend more time logging into my bank & scribbling all these notes down than I do anything else in life

    Dxxx
    Originally posted by Dolly Rocker
    That's far better than completely ignoring it! I'm impressed at how on the ball you are. Inspiring!
    • Dolly Rocker
    • By Dolly Rocker 6th Oct 16, 4:25 PM
    • 2,655 Posts
    • 7,059 Thanks
    Dolly Rocker
    It sure is & I think that is the big thing that has changed.

    Previously I would have waited till the day I needed the cash then been like oh I will just put this on a CC.

    In 2017 I am going to be a completely different person in regards to how organised I am & how I will be making much better financial decisions.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • ab_saver
    • By ab_saver 6th Oct 16, 7:50 PM
    • 214 Posts
    • 569 Thanks
    ab_saver
    I've been lurking reading your diary for a little while and wanted to say you seem really on top of everything - and amongst others yours is a bit of inspiration as I've still got a little way to go on my DF journey.
    Pesky student overdraft gone _House fund: ~£300 / £10,000_£1000 emergency fund #208 - £15.75/ 1000
    NSDs Sept 6/7 Oct 19/18 Nov 17/15 Dec 2/12_ GC Oct: £15.62/40 Nov: £71.89/75 Dec £6.48/75
    • Poor_Single_lady
    • By Poor_Single_lady 6th Oct 16, 11:10 PM
    • 456 Posts
    • 1,079 Thanks
    Poor_Single_lady
    Agree with ab saver completely as i have said lots before. (no pressure like!) lol. xxx:
    Debt at June 2016 £14,600
    2017 pay off loan and first credit card
    Have less debt and be happier
    • Poor_Single_lady
    • By Poor_Single_lady 6th Oct 16, 11:13 PM
    • 456 Posts
    • 1,079 Thanks
    Poor_Single_lady
    I meant to say I am totally on board with this 2017 year of goodness and change. It's only 86 days away so get yourself ready Mrs! And everyone else reading no excuses- its on!
    Debt at June 2016 £14,600
    2017 pay off loan and first credit card
    Have less debt and be happier
    • Dolly Rocker
    • By Dolly Rocker 7th Oct 16, 10:31 AM
    • 2,655 Posts
    • 7,059 Thanks
    Dolly Rocker
    Aw thanks you two.

    It's nice to know that this diary is helping me aswell as you lot.

    One day we will look back on this & be like look how far we have all come!

    2017 is our year.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • in need of direction
    • By in need of direction 7th Oct 16, 8:26 PM
    • 4,063 Posts
    • 22,747 Thanks
    in need of direction
    This is one year I'll be glad to see the back of.
    Mortgage at 01.01.14 £119,481.83 today £86,391.14 yr1 target met 11.57% cleared
    Current target pay £26,805.30 by 31.12.2016. more than £14660.82 54.69% paid to date

    Emergency fund £3.8k & £200 cash. Mortgage offset fund £6237.54.
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Dolly Rocker
    • By Dolly Rocker 8th Oct 16, 11:35 AM
    • 2,655 Posts
    • 7,059 Thanks
    Dolly Rocker
    I think a lot of us are feeling this way.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • Dolly Rocker
    • By Dolly Rocker 9th Oct 16, 9:42 AM
    • 2,655 Posts
    • 7,059 Thanks
    Dolly Rocker
    Funds Update
    30.00 - in bank
    6.88 - in purse
    15.00 - new 5.00's
    40.00 - in savings book
    60.00 - in savings account

    151.88 - Total

    20.00 - DD due out

    131.88 - Remaining

    Notes
    Lordy I had such a spendy weekend.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
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