Silaqui's Make £££'s, Lose lb's Diary 2009

Silaqui

Ok - The actual, up to date look!

THIS SIGNATURE IS A WORK IN PROGRESS
DFW Date July 2010... DFB #9 - Debt Free by my 26th Birthday!
CC1: £3000 £2535.02, CC2: £330 £0 and closed!, Overdraft: £961 £477, Personal Loan: £3323 £2985 dunno can't keep track lol but it's less than this!
July PAD Total: £819.47....!:A Weight Loss (since 10th May): 16lb...!

THE DEBT FREE DATE:-
SHould stll be on target - I might stick all my stuff in the snowball again as I haven't done that recently. It should still be ok though.

THE A&L CARD:-
Getting closer! I'm throwing everything possible at this one, I should get a payrise next month and I'm gonna put the entire amount that I get extra onto my 'top up' standing order(I have a DD set up for the minimum and then a 'top up' payment that ensures I pay at least a litle extra every month).

THE OVERDRAFT:-
Still being paid off at £100 a month, but I broke into this to help my mate out with her council tax. As it stands it'll be paid off by january, she's paying me back today but I might just let this take care of itself as it's a 0% debt and use the money to pad to the other card.

PAD'S:-
My total PAD to date is £1971.55 since the beginning of March when I joined the thread. Very pleased if I do say so myself!

Not too bad! Must keep it going!

xx

mooomin

You're doing really well missus :T

Silaqui

Hehe thanks FF, I'm trying my best! Its the interest on the A&L card that is doing my head in at the minute but seeing as I doubt there is any way of getting rid of it, I will just have to keep going!

Monthly update time!!

DFW Date July 2010... DFB #9 - Debt Free by my 26th Birthday!
CC1: £3000 £2474.45, CC2: £330 £0 and closed!, Overdraft: £961 £477, Personal Loan: £3323 £2647
August PAD Total: £207.43....! Weight Loss (since 10th May): 19lb...!

THE DEBT FREE DATE:-
I'm sticking to this - It's a good date to aim for even if I don't quite manage it. Trying my damnedest though!

THE A&L CARD:-
I haven't got the lastest for this as the statement doesn't come out for another week or so, I haven't paid much extra off this really being as most of my spare cash went on that bloody London trip! Still, every little helps, I will update when I get the statement. I miscalculated and I get my payrise at the end of September not the beginning, but as I said before, the extra cash from my paypacket will go directly to this.

THE OVERDRAFT:-
Will be paid off by January, still 0% and steadily being paid off.

PAD'S:-
My total PAD to date is £2178.98 since the beginning of March when I joined the thread. COMMME ONNNN

A comment on the WEIGHT LOSS:-
Is not going too badly but I have fallen off the wagon slightly with the school holidays where I'm at home to eat what I want... hopefully this will be easier now I'm back at work and eating packed lunches and in a routine so I will go to the gym again. (She says, haven't not been to the gym because she is waiting for a tesco delivery hahahahahaha).

And another thing... When I get my payrise I am pretty sure that my take home pay, after pension and student loan deductions, will be enough to get a First Direct account. I've heard good things about them and at the minute they are offering £100 to switch, so would probably take my bills account over to them. We'll see though. And talking of student loans, I got my statement today... I have paid approximately 700 quid off this year - they have put 400 back on in interest. So I have paid 300 quid of a 12 grand loan - which is still at 12 grand despite having been paying it off for 3 years. Great!

xx

mooomin

Don't worry about the student loan, it's only there to upset you! I think I have paid off about £50 in the last two years...

You can worry about it when the real debts are done (Which you're doing well with btw!!)

Silaqui

Oh I know, bloody thing does my head in! I probably won't ever bother paying it off early unless the circumstances with it change. I'm trying my best to pay off the debts but life keeps getting in the way haha!
x

Silaqui

THIS SIGNATURE IS A WORK IN PROGRESS
DFW Date July 2010... DFB #9 - Debt Free by my 26th Birthday!
CC1: [strike]£3000[/strike] £2447.27, CC2:[strike] £330 [/strike] £0 and closed!, Overdraft: [strike]£961[/strike] £477, Personal Loan: [STRIKE]£3323[/STRIKE] £2647
September PAD Total: £350.39....! Weight Loss (since 10th May): 19lb...!


FOR LATER ANALYSIS....

mooomin

Good Lord woman, where have you been???

Silaqui

I know, I know, I'm rubbish - I just find it much more interesting to post on the other threads than mine, so I just use it as a reminder to myself every month now! I know perhaps more people would come here if I updated it more, but I never have been any good at keeping a diary!
x

Silaqui

Well I'm sitting here watching Monsters Inc and messing about online, because I'm trying to put off doing the ironing and cleaning out the hamster cage. SO I thought I'd do my update. I'm rubbish at keeping this thing up to date but I do at least recap on progress once a month, so I'd better keep it up!

So here goes...!

DFW Date July 2010... DFB #9 - Debt Free by my 26th Birthday!
CC1: £3000 £2447.27, CC2: £330 £0 and closed!, Overdraft: £961 £477, Personal Loan: £3323 £2647
September PAD Total: £350.39....! Weight Loss (since 10th May): 19lb...!

THE DEBT FREE DATE:-
Still sticking to it - it's ambitious but it gives me something to aim for. According to my snowball, it's doable if I'm paying off at least £350 a month from November. This fits my budget IF there are no unexpected emergencies. I can tighten my belt and do this!!!

THE A&L CARD:-
As promised I have duly paid my payrise to this - I have a direct debit set up for the minimum payment and then a standing order for a 'top up' payment. From next month I might actually add the payrise I got onto the top up payment so I know I'm paying it, but then it is nearly christmas so I don't know whether to wait. Or I could just PAD it!:cool:

THE OVERDRAFT:-
Will be paid off by January, still 0% and steadily being paid off.

PAD'S:-
My total PAD to date is £2529.37 since the beginning of March when I joined the thread. The same again and my debt will be paid off. Now thats an incentive! :T

A comment on the WEIGHT LOSS:-
I haven't weighed myself in ages - because I haven't been to the gym . But my clothes haven't got any tighter so I'm not too worried. I want to start going to the gym again from tomorrow to get me back in my routine, and have arranged to go with some friends so that I feel like I'm letting them down if I don't go. My target is to get this to 24lb by Christmas. - that should be easily do able!

Silaqui

Well, that was quick - weighed myself at the gym today and I've lost another 4lb which gives me only 1lb left to go - hoping I will be needing a new target soon!