urg's 123 Back to Basics Debt Free Plan

urg123

Hi All,

Just a small update. The windows that I thought would be much cheaper aren't really that much cheaper. OH and I have decided that if there isn't as much in it, then we will go for the Sash windows. I am waiting for a final figure and will then book it next week.

Now this is where I admit how will be paying for them - I will be using a balance transfer on my CCs to pay for this. I know, I know. However, I would otherwise only be able to pay for them after the summer which would be no good to me! So officially, I will be going back to paying off debts but I know that I can afford it and it will all be budgeted for. Once the windows are covered, I will be looking at replacing the kitchen and bathroom. I am planning to do all the groundwork for that so that I can get it started as soon as funds are available again.

In terms of the financial goals I set earlier:

1. Set a budget and stick to it Working towards to meeting it.
2. Absolutely no spending on the CC Yep
3. Write it all down - Yes - spending diary is being worked on
4. Set a budget for groceries (and stick to it) budget set and £50 spent already!
5. Look for ways of saving (review gas and electric) Apparently I am on the best tariff for me!
6. Aim for 10 NSDs Haven't achieved one yet!
7. Take lunches to work at least 3 times per week. Achieved!

Not bad!

OH is away for a couple of nights - it's nice having the place to myself but I do miss him. Tomorrow I'm going out for lunch - not looking forward to it but I can't not go! Oh well, at least it's Pizza Express which I like!

Waving to you all,

urg x x

taxi73

don't blame you sticking with the sash windows if not much difference in price and no harm doing it on the cc as a BT especially if 0%..do the firm accept CC payments without extra charge.I ask as my boiler man wanted to charge 2.5% for paying by CC...
well done on all the other stuff too

urg123

HI Taxi,

How are you doing?

Sadly the window co would charge me 3%. It's now different to getting a money transfer for a 3% fee (0% on the rest of the term!). I have a great offer open at the moment which means I would have til next September to re-pay. I could do a lot of 'clever' money moving to get everything done - especially as my aim is to have all the work done by Easter. I need to have paid it all off by next August at the latest as that's when my lodger goes.

Watching a fantastic series - I bought it ages ago and it's the first time I've hada chance to watch it.

I must make sure that I don't put on the next episode tonight! I am going to take advantage of the extra hour in bed!

urg x x

taxi73

Sounds like you have everything sussed out that will work out for you.
Glad you're enjoying your series..always good to chillout.

Am fine thanks for asking.

urg123

What I really need to do is make sure that I am disciplined hence the focus on on the finances. OH and I have been a bit slack and I finally think he is getting on board!

Glad to hear you are doing ok - I see that there is a pink and purple surprise to look forward to on your page - I look forward to reading more.

The episode is over so I am going to head off to bed.

Rest well and I'll be back soon.

urg x x

taxi73

get a good nights sleep xx

it will be a lovely surprise whatever it is

urg123

Morning All

Happy Diwali to everyone!

This is my first without mum so it will be hard. I miss all the preparation beforehand. I will be going into work to keep me busy and then dinner with family which will be nice.

I've really suffered with my monthly 'friend' this month. Not sure why. I think I need to review my health/eating/exercise. I need to get into a better routine.

I think I may get up in a minute and have a shower. I may as well get the ironing done while I am up so early!

Have a good day everyone,

Urg x x

Swinstie73

Happy Diwali to you urg (apologies but I had to Google it to see what it was)!

Hope you enjoy it, I'm sure you mum will be enjoying it right beside you.

urg123

Morning All,

I've been awake for a little while and been doing some thinking.

I arranged for a money transfer for my windows yesterday - I have £7500 plus the fee on it's way over to me shortly! I have to pay this back November 2011. I have decided to use this as a float to pay for the improvements on the flat. My budget allows for about £1000 for repayments.

There's lots of other things to do today!
- get up, washed and dressed!
- bake biscuits (my first go at mum's recipie)
- call hmrc for dad to ask about form sent for completion
- clean bathroom
- wash kitchen floor
- visit aunt (haven't seen her for a while)
- visit other aunt to drop off stuff
- take bags to charity shop
- update budget
- move money around
- open high interest account to hold repayments for CC
- washing (there's three loads to do and no space to dry clothes - my flatmate went a bit washing mad!)
- ironing
- walk for 30 minutes
- 30 minutes decluttering
- collect contact lenses from town.

I'm sure that's enough for me to force myself out of bed.

Have a good day!

Urg x x

hypno06

Morning Urg, ((hugs)) to you for Diwali without your mum. I remember clearly my first Christmas without my dad, so I empathise, but can also say that each one that passes gets a little easier x