Fresh tax year fresh diary ( i cant locate my other one) :D

Happytogetdebtfree

Evening, your right we are all getting there slow but sure .... i have just done some more diy prep im lethal when i get going i have had a good clean up today with oh's help i feel much more at ease off to bed now catch up soon x

Happytogetdebtfree

Well i have tried to make my spread sheet match my bank amount and its a flaming mess.... too much happening each day with direct debits etc ... ah to have the joy of one simple payment per month lol it would make my sheet alot less messy.. only good thing is i have some excess according to the spreadsheet lol lol ... we shall see .... x

Happytogetdebtfree

Good afternoon, well we have had somewhat a busy few days with everything but i can report than my old banger of a car passed MOT with flying colours and thats got me another year of passed cars life in the youg girl yet hehe
Later me and oh will be sitting down to organise finances balance sheets out make sense of numbers and look like we know what we are doing :eek:

We made a mistake using a company called bank smart and now ive decided to cancel them after using them for two years they want 423.60 for the liberty but at the time i didnt have a clue about how to claim bank charges needless to say the bank charges were never paid back and i figured instead of letting them persue the case anymore id rather cancel it and be done i didnt want a huge bill at then end of more years .... ive seen bad press and bigger charged amounts so i figured lets just get it sorted eeek but they do allow 12 month intrest free payments so thats good id rather have it paid and done with in installments rather than one big pay off to them i couldnt justify it :eek: anyway more numbers to add to the debts but im not changing the siggy to hell with it lol .... :rotfl:i did think of saying go fly but then the contract does state payment is due on cancellation if they close or if you close so id have to pay it full stop ...

On a more exciting note i got a refurbed vaccume £39 brand new £120 i think a few months out of it would be a bonus .... the dyson vaccume has gone to vac heaven after 3 years of use 110... ive got my moneys worth i think that averages out at 36.66 a year im pleased lol

Happy debt busting friends xx :cool:

Happytogetdebtfree

Good afternoon, im sipping coffee and sorting spread sheets ... so it seems ive paid 47 % of my aim this year which was to clear 20k im hoping i can still do this but it may be hard slog the next few months... we shall see ....

Ive tidied up this morning and i need to tackle the ironing at some point, that in its self will make me feel much better about things isnt it funny how a nice tidy home always makes you feel like your actually getting somewhere even itf you are not lol .....

Anyway the road is long and just lately i feel like its been one thing after the other regarding money :O .... it makes you feel quite angry and bleurgh but it also gives you the kick up the bum needed i dont like the idea of struggling on forever its a depressing thought and one i dont want to dwell on ...

Hope everyone has a nice day x

Happytogetdebtfree

I need to do my ironing :O where has the day gone ?? :eek:

jwil

Hey Happy, just found your diary and had a nose. You've been doing fab so far! I can totally understand the need to DIY as well as debtbust, I feel like doing the same!

Happy debtbusting.

Happytogetdebtfree

Hi jwill thanks for reading nice to see you ... ive just been for a nice walk blow the cobwebs away .... im tired tonight i feel overhwhelemed with it all this evening lol xx

jwil

It was a nice evening yesterday wasn't it, I took the dog out for a walk which was quite nice. I know what you mean about things being overwhelming, I keep feeling a bit like that at the moment.

Happytogetdebtfree

:THi jwill, it was a beautiful evening we had a cuppa at the local pub well we were sat outside with the dog, nothing like a nice walk to clear the head...
I watched the secret again today and i will listen to a bit of the harv eker build up the positive side again i will devote some time to the secret every day and hopefully it will be good enough to really pump up the self esteem i like the harv eker he really gets me excited about money and financial freedom

Lets rid ourselves of feeling glum .... we will be financially free money comes often and easily

we are money magnets

off to see the parents later then i will have a nice walk too :A

jwil

I'll have to have a look at the secret. I keep hearing people talk about it, but not sure what it's all about.

Have a good evening!