2010 is the year!

keza

Well how rubbish has the weather been today! sooo gloomy! when i get home i have my usual scratchies todo and also a survey! will update my £5 a day total once these are completed. a no spend day today aswell as friend took me out for lunch! yum! always tastes better when its free!

pad today was £7.26 off virgin, a small step but a step all the same!

also paying off another £1000 to the wedding venue this weekend and booking our honeymoon to the maldives! so excited! another reason to stay focused! xx

keza

am feeling the need for a 3.5 month update on my totals from the front page!

Capital one - 0!!
barclaycard - 0!!
Natwest loan - 8,821
Empire - 166 (new bike and some work clothes but this was reduced to 0 before i ordered again as it will again now i have a balance oustanding!)

whoohoo! for the first time in 3.5 months, i actually feel a sense of achievement!

In fact, i mite have an ebay and amazon listing nite tomoro nite in celebration!

keza

woohhooo 1 survey 75p and 20p on scratchies!

keza

morning all! today i hope to have another NSD.

I put £1.20 into the wedding fund sealed pot today. got some mash out the freezer to have soup and potatoes tonite for dins.

Was tempted to go into tescos on my way home last nite to look thru the whoopsies but resisted temptation as my freezer is full of food at the mo. going to get by for the rest of the month on just essentials.

Tonight when i get home im going to do my usual physio exercises and pilates, then have some dinner, then i will do my surveys, scratchies and list some bits on ebay! xx

keza

I have come up with a nice shiny new target! After being inspired by my earlier post (having cleared £1748 in 3.5 months) I have now set a target to get my total debt down to under 8k by xmas! Rah! challenge anda half! but im going to stay focused and do this!

keza

Spent most of my lunch hour on dooyoo and now have 11,000 miles (at long last!) its hard to stay focused and my goal is a long way away yet!

keza

havent been on here in a week or so. been a bit hectic!

I go to rome on saturday (last holiday until honeymoon next year!) it was already paid for so didnt need to worry bout finding money for it and i can plod along still as i am.

I got a letter from barclaycard and empire saying they were investigating my charges complaints and will get back to me soon. fingers crossed on them!

Im on a little diet as have put on 9lbs in the last year! so soup for lunches for me for the time being. sick of it already and its only the 2nd day!

I have set my targets for the coming year. hopefully will hit each one. I dont think they are unrealistic but i dont think they are easy too. nice happy medium so i need to push myself but not for the impossible!

I will post my targets on the next post! :j

keza

End of 2010 target!

Virgin cc - now: 4,540 - target: 4,250 @ 18/12/09 = 4,200
OH loan - now: 4,250 - target: 3,750 @ 18/12/09 = 3,750
Empire - now: 166 - target: 86 @ 18.12.09 = 140


End of April 2011 target!

Virgin cc (start 2011): 4,250 - target: 2,250
OH loan (start 2011): 3,750 - target: 2,750
Empire - PAID!

End of June 2011 target!

Virgin cc - (end of Apr 11): 2,250 - target: 650
OH loan - (end of Apr 11): 2,750 - target: 2,250

DEBT FREE SEPTEMBER 2011!

keza

I simply love a day when you feel like your getting somewhere!

I made £91 at a body shop party last night, got a cheque refund of £54 from the summer train strikes and a few mystery shopping jobs and im £96 in credit with 2 weeks to go until payday and nothing left to spend on!

Im out of my overdraft and feel like its coming together at last. i will continue to PAD. todays pad was £48.74 transfer from barclaycard (in credit) to Aqua.

Didnt do my scratchies last nite as was at body shop party but will do them tonite.

also sold a few bits on ebay - totla made is £7.50 but thats £7.50 more than i had! another bit off Virgin! xxx

keza

Hi all! off to rome in the morning, cant wait for a break!

Have just worked out its 315 days till my debt free date. doesnt sound that long away at all! must stay focused!

Another £5 off virgin today. another little bit that will all add up in the end! Looking forward to payday! seems like ages away yet! another 12 days. xxx