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  • FIRST POST
    • zelt0504
    • By zelt0504 22nd Sep 16, 2:55 PM
    • 33Posts
    • 18Thanks
    zelt0504
    Let's try again.
    • #1
    • 22nd Sep 16, 2:55 PM
    Let's try again. 22nd Sep 16 at 2:55 PM
    Started a diary or 2 at the end of last year full of good intentions. I haven't necessarily been bad at it but I haven't entirely been on track either. Being back on the forum has made me realise I have to stay accountable.

    As it stands.... Total debt £13,269. According to my calculations, if I carry on plodding along it should all be gone by Christmas 2018 but I want to be a bit more in control of that date.

    I have started PAD'ing for the 100 day challenge. I have squares and everything! I am tackling my smallest credit card of £401.59. £4 a day has been easy enough so far and have managed to pay off £40 in just over a week with a few extra payments. It feels good to see the figure come down so quick and with my regular payment at the end of the month I am hoping it will continue to plummet.

    October is a hard month with 7 birthdays including mine and my daughters' (possibly more) so I'm really having to juggle the numbers. Plus we get invited to a Halloween party every year which means alcohol and costume related expenses. I think DH and I are actually thinking of missing this year out. It won't hurt for one year I'm sure.

    Lots of things to think of and track so I'll start on some plans to survive October. Lets start as I mean to go on.
    O/D-£4200/£4200,Loan-payments 9/36, VCard £3350.83/£2928.47, Cone £401.59/£145.55, Bike £1825.85/£1905.85, PRA £261/£261, £379/£379, MH £0/£250, PH £473.26/£1322, Lowell £36/£36, Personal £150/£500

    Total Debt 29/12/2015 - £15.799.53
    Total Debt 14/09/2016 - £13269.53
Page 1
    • fourthtimelucky
    • By fourthtimelucky 22nd Sep 16, 3:04 PM
    • 20 Posts
    • 25 Thanks
    fourthtimelucky
    • #2
    • 22nd Sep 16, 3:04 PM
    • #2
    • 22nd Sep 16, 3:04 PM
    Hola and welcome. Looks like your starting figure is pretty close to mine so I will keep my eyes peeled for your progress.

    Good luck.
    Starting point Aug 2016 - £13,853.38
    Current total Sep 2016 - £13,845.40 - 0.06% paid off (I have an excuse for month one...)
    Debt free date (worst case) December 2019
    • zelt0504
    • By zelt0504 22nd Sep 16, 3:11 PM
    • 33 Posts
    • 18 Thanks
    zelt0504
    • #3
    • 22nd Sep 16, 3:11 PM
    • #3
    • 22nd Sep 16, 3:11 PM
    Birthdays.

    FiL - over 60, retired..... not too sure what to get gift wise but it's usually something like a jumper. I'll think a bit on this one.

    SiL - not long had a baby, don't know her too well, poss just get a gift voucher or give some money.

    Neice - money in a card.

    Daughter - She will be 3. I'm not showering her in gifts as I've done that in the past with DS's and it never ends up worth it. A few token pieces and a nice day out is all she needs I think. I've already purchased a few bits for her, wish I was a bit more on top of things like I was with her brothers but never mind. Her birthday is on a Thursday so I think on the weekend we will go to the local air museum - she loves airplanes (and it's free entry), then bowling with some free vouchers.

    Me - I don't want anything but I've reserved a babysitter so myself and DH can go for a curry.

    Brother - Milestone birthday - £40 outlay for his present plus expenses to go and see him (he lives 150 miles away). That will be more expensive than my birthday! But, he's worth it!

    I'll make all the cards I think as I've just sorted out all my crafty bits and bobs and have a hell of a lot of card supplies, it will give me something constructive to do with my evenings too.

    One plan down - several to go.
    O/D-£4200/£4200,Loan-payments 9/36, VCard £3350.83/£2928.47, Cone £401.59/£145.55, Bike £1825.85/£1905.85, PRA £261/£261, £379/£379, MH £0/£250, PH £473.26/£1322, Lowell £36/£36, Personal £150/£500

    Total Debt 29/12/2015 - £15.799.53
    Total Debt 14/09/2016 - £13269.53
    • zelt0504
    • By zelt0504 22nd Sep 16, 3:14 PM
    • 33 Posts
    • 18 Thanks
    zelt0504
    • #4
    • 22nd Sep 16, 3:14 PM
    • #4
    • 22nd Sep 16, 3:14 PM
    Hi there fourthtimelucky. My figure at the start of the year was £15,799 so it can come down. Just not as quick as i'd like! Time to be a bit more proactive I think.
    Good luck with your journey too.
    O/D-£4200/£4200,Loan-payments 9/36, VCard £3350.83/£2928.47, Cone £401.59/£145.55, Bike £1825.85/£1905.85, PRA £261/£261, £379/£379, MH £0/£250, PH £473.26/£1322, Lowell £36/£36, Personal £150/£500

    Total Debt 29/12/2015 - £15.799.53
    Total Debt 14/09/2016 - £13269.53
    • zelt0504
    • By zelt0504 24th Sep 16, 11:39 AM
    • 33 Posts
    • 18 Thanks
    zelt0504
    • #5
    • 24th Sep 16, 11:39 AM
    • #5
    • 24th Sep 16, 11:39 AM
    I made a start on the birthday cards last night, 2 down, 4 to go. Also sorted out a lot of Christmas paraphernalia so I'll aim to make a few for Christmas too. PAD's going well, consistently making £4 a day payments on the card. I haven't looked at the balance yet, I'm waiting for the month to be up before I allow myself. I want to hopefully see a major dent once my normal payment has been taken also.

    Working half a day today, aiming to get a bit of baking done once I'm home to fill up the packed lunches for the week without depleting the cash flow too much. Flapjacks and bread rolls are on the menu, maybe some cookies too.

    Only one spend planned, a few pound from the pharmacy but that's it.

    Had a good result from shopping last night. Always have fantastic service with Morrisons, only last night my eggs were broken. My son is allergic to egg so the fact they had leaked all over the fruit was not a good thing. Phoned up customer services straight away, they refunded the amount for the eggs and fruit (£3.89) but also gave me a £5 goodwill voucher too. Very impressed.

    Not much planned for the weekend, I don't have to cook tomorrow as my mother has offered to have us round for tea. Looking forward to that, time out the house and I can meet her new furry kittens!
    O/D-£4200/£4200,Loan-payments 9/36, VCard £3350.83/£2928.47, Cone £401.59/£145.55, Bike £1825.85/£1905.85, PRA £261/£261, £379/£379, MH £0/£250, PH £473.26/£1322, Lowell £36/£36, Personal £150/£500

    Total Debt 29/12/2015 - £15.799.53
    Total Debt 14/09/2016 - £13269.53
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