My debt free diary... Unless I get scared!

silvadebtfree

cool news re the 86 days, i'd be counting down by the minute lol. hope things are better at work now, like the signature by the way

clearing_out_my_pockets

80 days now!

clearing_out_my_pockets

OK - so I've cheated a little. I've moved some money from the deposit pot to pay extra towards my CC. But having contacted nationwide, it seems my interest free balance transfer expires on 08/05/09, which meant I would have had to pay interest on the amount outstanding between then and payday 20 days later.

So I have now brought my debt free date forward to 28/04/09 - only 50 days away. Wow - £1,600 in 50 days averages £32 a day. Just think how much my deposit pot will soar once the debt's clear. I suppose that also means my diary will have to finish then, too.

silvadebtfree

Ah poo, I guess it will But all power to you you have done really well to get there in 80 days!

clearing_out_my_pockets

Ah well, it's not much of a diary anyway really!

silvadebtfree

Ha ha! I know what you mean. i go through spurts of being highly addicted to it and then practically forgetting it's there! Good luck though, you'll be married and living together in no time! I'm only just starting lol

clearing_out_my_pockets

Well - living together is still a year away and the wedding will come whenever. It's just a bit of paper to me. I think my brain is wired like a man's in that respect! I'd rather overpay the mortgage and reduce the term than spend over £10k on feeding people I haven't seen in years!

clearing_out_my_pockets

Omg Omg Omg...

Salary cuts being considered. :eek:

Just when I get close to the end of my journey, someone comes along to push me back.

clearing_out_my_pockets

Well... turns out that the internal transfer I applied for is available again. Wish they could make up their b---dy minds!

So HR have asked me if I'm still interested and you know what? Even after they messed me around and even though my job is safe (for the time being) I still want it. It just seems much more "me" than what I'm doing at the moment. It's still construction, I'd still have the same employer... having spoken to my dad, it has now occurred to me that I may NOT have to accept the pay cut if I move to the department I want to.

:T

clearing_out_my_pockets

My life in numbers:

15% - deposit target
39 - Days until debt free
43 - Days until I go on holiday
58% - paid off since joining MSE
79% - total debt paid off to date
800 - total monthly debt repayment
900 - savings target per month going forward (as of May 2009)
2010 - year OH & I will live together
2011 - Wedding year?