Debt free & tidy diary

savingholmes

Glad your first week has gone ok! I have survived my first 2 days too!

Lurker1972

hmm.....I am being tested.......empty credit card is offering me 12 months 0%..........now, I have nothing at moment to transfer....but that could so very easily be rectified...I could go shopping tomorrow.........

vending machine avoidance is simple in comparison to this...which is kind of what caused the issue in the first place all those years ago.......have I learnt nothing!?!?!?!!!:p

savingholmes

Hi lurker - I know that temptation - we could have £14K on 0% until May 2010 - at a cost of 2.98% - tempting or about £2K on 0% also for 9 months on 3% transfer rate......

However I am hoping to pay off £2-3K over the next 2 months so technically it is probably better for me to leave my only non-0% deal where it is and just pay it off!

Resist, resist, resist!

Lurker1972

Its the first time in years that I've had nothing to transfer which is probably whats creating the urge to spend - to use the rate!!
But thats not helping to get us to live within our means

OH does have MBNA loan though, wonder if we could transfer that.....

best leave the plastic @ home tomorrow, that way can't have naughty spree!!!

savingholmes

defo - no new spending.....!

I have bought yet another top... half price in the sale (£15) and spend £8 on some crocs and a top for my daughter while I was away!

The job I have just got tho is well paid - and I want to look the part.... while not going mad obviously!

Lurker1972

7 days in & I've hit the knackered wall again, but tis Wednesday tomorrow...hoorah for hump day as they say!

really struggling with NSDs, for stupid reasons - basic lack of organisation which is stupid - we're going away on Sunday so we keep remembering odds n sods that are needed ....so I get them thinking thats it,,,then bam, something else is remembered!!

I did say I'd quit this month, starting again for real in September - am being extra tough from then though - even budgetted spends will count...yikes

I've paid myself from hush money for the last time :j. will get paid at end of month & then again 15th September...then monthly after that - money received at end of month will be paid back to hush money account to uild that back up again, but in the meantime the mortgage & DDs have to be paid

still using the stairs @ work, no trips to vending machine - aided by only having 21p in change in purse, & getting a fair bit done before work too....need to get more done in evenings too...but thats really going to have to wait to September too, my how the time is flying....

Hope everyone is enjoying debt busting missions!

xx

Lurker1972

still staying away from the vending machine & using the stairs but pedometer is gathering dust again!
Mornings are much calmer than I am used to, have maintained the mission to use up all the body lotion I have....I think I may complete it by Christmas.....or shortly after, dishwasher gets emptied, lunches are made & the bed is made ....& have managed this for 10 whole days!

we go away tomorrow & as expected, I don't feel ready, house not tidy enough etc but its too late to worry about that now.

I intend to unwind over the next week while hopefully soaking up some rays, so am ready to tackle new challenges & really get the brain around the new job, living within means while having a life, (hopefully) preparing to expand our little family etc etc etc

We've got cash for holiday spends, so nothing should end up on the ol' plastic...stranger things have happened.

see you in September folks

x

savingholmes

Hope you have a great holiday!

Lurker1972

Back from hols with new diary

http://forums.moneysavingexpert.com/showthread.html?t=1920099

hope link works!