My rags to riches, weight loss, yummy mummy stuff and 'owt else i can think of diary!

ragstoricheswannabe

Whoo hoo i got paid!!!!!!!!! tax man took a little more than i was expecting but still managed to get £450 extra than what my base line wages are guestimated!!!!! and the next two months are going to be a little similar.........

so the plan for the extra money:

• £70 to pay off the quad
• £100 to mil
• £140 egg1
• £140 egg2

This is on top of the regular debt repayments i have budgeted for each month.
Decided not to pay any extra off the loan despite earning interest as want to get rid of the lower amount debts first so it keeps me motivated.

Carp about your payday being messed up nats, but yay you on being able to handle the delay without so much of an ounce of panic!!!!!:T:T:T shows we are learning slowly........... before, we would of just spent any extra monies earned at work on nothing !!!!! a medal is deserved for us i think.

Well have got my rota for next month and the manager has still got me doing extra which helps my debt busting but needing to catch up on some sleep after having a poorly ds2 the past few days. Think on payday in may i will have about £300 extra as had a day off this month sick....... still not bad on top of what im already paying, hoping to hit the £2k mark some time next month......

natsplatnat

Morning Rags - I am hunting for a suitable medal for us.... I will post it on here as soon as I find it!

Fab news at your extra pay!! That is going to make such a dent into outstanding balances!!! Can't believe you are racing toward £2000 at such a speed! I need a new plan - can't have you getting that far ahead of me!! lol

Just a quick note to wish you and your family a lovely weekend.... I hope the sunshines. It makes everyone feel better!

Nats x

smarties84

hello, just catching up with ur diary, not been on in ages. Keep up the goodwork xx

Jo_R_2

Wow well done on being able to pay all that extra towards your debts!:T:T:T

It has got me thinking, I have some debts but not quite so much leftover to play with, so I am thinking of motivating myself by paying off another small debt, even though it's interest free, to get me going again as I feel I have lost the momentum somewhat. So any extra we have will go towards my HB overpayment (need to check the total outstanding at the moment) as I think it helps to have small targets to work towards - just looking at a whole mess of debts in front of me is soooo very daunting.

Great work and keep it up!

ragstoricheswannabe

How bout this as a sort of medal nats??!!

Oh and HAPPY EASTER EVERYONE!!!!!!

Am off now for two days, thank god!!!! but doing 5 twelve hour shifts next week. Got a letter yesterday from the bank to say that i wont start paying my loan till may??? i only thought i had a 2 month break but it turns out i have 3. Think i may just make a payment though as had budgeted one and they will still add the interest on any ways.

Hi and welcome jo_r, looking at the debts is so daunting isnt it. Think we are right to pay some of the small debts off even though they are interest free, i know the feeling of stagnating as the debts go down but they are still there.

Nats, im not sure how long this overtime will last so need to do something with the extra money as if we get used to having it, we will come unstuck when my hours finally go back to what im contracted to. Might aswell try and get my debt down with it, besides, think i have more debt than you to start with!!!!!!!!!! You are doing really well though.................... you are more on target with your budget and clearing your overdraft than me.

Pips_Mum

Happy Easter Rags
Enjoy your days off x x
:EasterBun

ragstoricheswannabe

Hey pipsmum, how did you know what im like with easter eggs???? ha ha ha!!!!! (not kidding either)

Well the extra payments to my cc goes out tomorrow, but think will add it to my total today and possibly update the ticker???????? sorry, i just cant wait and not sure i will get on here tomorrow as at work!!!!!!!

My and the oh have decided to take the kids on a short break at the end of may. I have that week off anyway and thinking of going down to prestatin (sp?) north wales. Plenty for the kids to do and a break away from normal life for us. Going to use the overtime i get in next month wages and put whats left after the break to the debts. Hoping to stay in a caravan/shallet so will be able to make meals after a quick visit from aldi or something down there. one meal will be a treat out for ds1.
Our last holiday was when ds2 was about 16 months old, well needed i think to recharge our batteries.

ragstoricheswannabe

Ta da!!!!!!!!!!!!
Sorry, i couldnt wait, but look how much it has jumped!!!!!!! nearly half way!!!!!!

mummy2mygirls

Well done Rags - the ticker looks great!! cant believe how well your doing - keep it up
Sorry to hear ds2 hasnt been very well, hope he is better now. Be lovely to get away for a bit - i think you deserve it
xx

retrocircles

Hey Rags! Hope you has a great Easter & enjoyed the long weekend. Lovely to hear you've booked a break! Something that everyone needs. The kids will love it!

As soon as I get a damned start date I'm booking one myself!