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  • FIRST POST
    • threepenny bit
    • By threepenny bit 9th Sep 17, 5:14 AM
    • 210Posts
    • 1,728Thanks
    threepenny bit
    Time is a ticking!
    • #1
    • 9th Sep 17, 5:14 AM
    Time is a ticking! 9th Sep 17 at 5:14 AM
    I have been a member here for 4 years and have scratched around doing SOA, trying to snowball etc but not been at all accountable and now is the time to get on with it!
    So, I have started to think about retirement - probably have 6 years left before I can retire and really don't want to be in a difficult position not being able to afford things.
    I have a small pension from the UK, hubby will have a UK pension as well as one here in N America. I won't have a pension here as I am self employed and so cannot contribute - I have started to put away some cash each month in a savings account though; probably not the best return but it has easy access if I need it.
    We have debts on CC and store cards of $42,500 as well as a car loan and buildings loan. We also have a home loan but that is very low interest and is not worth paying extra onto it while we have CC with a higher rate.
    I have a cc (JV1) that I took out specially for a piece of medical equipment I needed and has $4200 on it, I'm hoping to get back $3000 from my health insurance and then work first on paying this card off with minimum payments on others. Once I pay this off I will snowball the payment to other cards.
    I know what I should do but find it hard to stick to anything as I get a bit bogged down with trying to pay things and then it not working.
    I am determined this time though and hubby is on board so please wish me luck and send me a swift kick up the bum when needed!!
    x
    1st challenge to pay CC (JV1) 0/$1850 updated
    Work on selling items and decluttering
Page 2
    • threepenny bit
    • By threepenny bit 3rd Oct 17, 1:44 AM
    • 210 Posts
    • 1,728 Thanks
    threepenny bit
    Snow has finally stopped and is just wet slush right now; the mountains got beautiful skiing snow but down in the valley it is just cold and slushy!
    I am failing miserably at doing my SW diet - am good all day and the sabotage everything I have paid for 6 months online so I need to make it worth while else that is more money I have thrown away.
    1st challenge to pay CC (JV1) 0/$1850 updated
    Work on selling items and decluttering
    • Purplebonnie
    • By Purplebonnie 3rd Oct 17, 6:33 AM
    • 89 Posts
    • 577 Thanks
    Purplebonnie
    I am exactly the same with SW, good all day and come the evening I turn into a raging eat-all monster! I have just got a copy of Brain Over Binge to read, let's see if that helps! Enjoy your day
    September 2017 Total Debt £37188.89 / DFD 01/05/22
    October 2017 Debt £36149.48 / DFD 01/04/22
    Extra Payments : 0.1% = £37.19 Total paid 0.3%
    MBNA - £5350.73

    October Food Budget : £200/£114.94 Extra Income £100 /£81.06
    SFD : 8/31 Weight Loss (Goal 8lbs) :
    • threepenny bit
    • By threepenny bit 8th Oct 17, 8:09 PM
    • 210 Posts
    • 1,728 Thanks
    threepenny bit
    sorry for the lack of diary the past few days - I have been so tired after class that I just couldn't find my mojo to write lol!
    Today is a beautiful warm Autumn day for Thanksgiving weekend, just hubby and I home so we are having turkey and trimmings on our own. I have a colonoscopy scheduled for Wednesday and start to take the clean out meds Tuesday - not looking forward to it but it is a blessing that it is even possible to check for these things. I want to try get some of the household chores done today and tomorrow so I don't have too much to do the rest of the week; laundry and bathrooms this morning I think.
    Had to add medications and car related expenses to our visa this week so the total has gone up but there was no choice - I need to build up an emergency fund for these things but just can't seem to find the extra $ for it right now. Was thinking that if I sell things maybe I should put that into he emergency fund rather than paying the visa? What do other people do??

    Hope everyone has a wonderful weekend and the weather is kind
    1st challenge to pay CC (JV1) 0/$1850 updated
    Work on selling items and decluttering
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