In for a penny in for a pound! My diary.

paybacktime2008

I'm getting in such a muddle with my numbers! I need a calculator.

Fag_ash_lil

Hi ya ,

Just thought i'd pop back in to check out how you are doing ....
Am glad that you finally got your internet banking sorted out ...... It makes things so much easier , don't you think ? .....
What happened about your sick pay from when you were off a short while ago .... do you know if they are going to pay you yet ?
Also all the best with your £10k by Christmas 2009 .... and your sealed pot challenged ....
You still seem to be really focused on everything ..... so Well Done and keep up the good work .....

terri

paybacktime2008

Yep all going fairly well here. Went out last night for works do, drove and spent the grand total of 0p! (Not including the babysitter!) Good night out.

Last couple of days I've been a bit naughty, buying lunches etc instead of taking my own but generally the direction is up, or do I mean down!

It's now 12 days to the 'Mega Payday' Then i will really kick !!!!. Funny how now I can't wait for statements to arrive so I can update totals etc.

What I'm really proud of is not using my OD facility on my AL account. Seemed pointless to have a 3rd overdraft! But it means I have been spending from Halifax even though I'm paying that as my PAD. But pshycologically it's good to be paying something every day. Have £79 to last me til the 19th so should be ok.

As far as the 10k challenge goes I've decided to only count capital paid as otherwise I could see myself counting the same £ 3 or 4 times! It is a tough target, but I think part of the whole LBM is actually realising just how long and how hard it is going to be to pay off.

paybacktime2008

Since joining paid off over £500 pounds..Well impressed because that could of so easily have been £500 more debt. Can't say it's been easy but hasn't been crippling either. Debt nearly at under 12k. Hopefully in next couple of day my cc statements will be in and that should shave off that amount (minimum payments to those bad boys!)

paybacktime2008

Quick update.......joined yougov, butlins bingo and valued opinions. Hoping they will all bring in a few pennies. Not wanting to wish Christmas away, but roll on January!

Fag_ash_lil

paybacktime2008 wrote: »

Since joining paid off over £500 pounds..Well impressed because that could of so easily have been £500 more debt. Can't say it's been easy but hasn't been crippling either. Debt nearly at under 12k. Hopefully in next couple of day my cc statements will be in and that should shave off that amount (minimum payments to those bad boys!)

WELL DONE ....... That's excellent .....

You should be very proud of yourself ....


terri .....

paybacktime2008

Hey! Thanks. Just keep watching those numbers go down!

paybacktime2008

BROKEN THE 12K BARRIER!!!!
:j :j :j :j :j :j :j :j :j :j :j :j :j :j :j

Fag_ash_lil

Well Done on breaking through the £12k barrier .... That's Excellent news ...

tealady

Congrats. That should give you the incentive to keep working at it.