November.2015.here.we.come

taxi73

You are going great guns..well done.

mum2one

Assisgnment - Got to the stage at 3am this morning that I was so close to chucking the course in,:mad: gd ngts sleep, :Dit took another 5 hrs to do the finishing touches, but we got it sent...... Not holding out for brilliant marks but its gone.

New Courses - The 1st of them I have an assisgnment to do by Wed, but its 1,000 words on time management and money for the 2nd part, should be ok with that!!

Ebay - Everyone has now paid :T just got the last to post 2mor, so after paypal haveing their cut, postage and fees, I've cleared £71 profit, and I only have to give dd £1.00 for a swimsuit. - Thou that be reinvested need new underwear, etc so plzed as its means its money neutral

Credit Card Transfers - I've done the best I can, Capital 1 were so helpful;), they do a transfer at 20%..for life of balance... considering the APR is 30%, done a mini transfer to Aqua (40%), Barclays were actulally more helpful:T:rotfl:...... there do me a life of balance for 7%, so have transfered £1023. where they get the odd pound from don't know.... so thats sorted.

Snowball - This must be snowball 101 of the yr, but after putting in all the figures its given me a debt free date of Jan 2013, cards only, but something to words toward).

This is the best - Mystery Shop Job - Got to go into a shop to check their promotional material, and hand them some documents, (its the same large group, that I always do my phone top ups in, as get 4p to a £1.00), last time I told the manager what I thought of him, could be fun.

This months payments - This month just be miminum payments :mad:, tight month, but I've overpaid all year, (only 4 months, but made a gd dent in it)

AA Cover - Go halves on top membership with dad, and I actually have my share of the money ready I've put £10 a month up since last yr, and thats my half paid.

No spend days - I'm trying to set myself 3 no-spend days a week, should be manageable as got wack of studying.

Doctors - had a call from the doctors to confirm that I still wanted to go ahead with the back x-ray, yes plz, I was meant to have an MRI scan back in 2000 after my 2nd car accident..... still waiting. But hoping that show up thedisplacement and see where we go from there.

This months payments - Now got all statements in, over the weekend just got to set up the direct debits

All in all quite an organised day.... organised after the assisgment went well, QUICK catch up before bed. xx

taxi73

Lots of brilliant positives in there.Glad you've managed to finish your assignment and sent that off....ebay.payments etc etc are all sounding great.

mum2one

Got my assisgnemntback today and got 68% so very plzed. considering I didn't have much of an idea of what I was writing.

Had brilliant ngt last out went to see Joesph, dd loved, she was in stitches when the elvis impersonator come on, she laughing her head off.

Just done my monthly transfers had hoped to have a easy month, but then realised that put £100 on Vanquis by mistake, I'd cancelled it, or at least thought I had, they must of thought I'd lost it, sent me another, I wasn't paying any attention..... sprnt, so next statement when its al clear will be a final goodbye to it.

Hopefully by nxt month all the balance transfers gone through, so redo snowball, get a better idea, hit another £500 target. up to 3.5k, which is brilliant. xx

taxi73

Wow...you are getting quie close to that £5k....well done.
Good marks on the assignment too xx

mum2one

I got the full refund from the ins company when dd and I didn't go to Tunisia. :j:j:j:j:j:j:j:j:j:j:j

Shes's asked can we go back, which we are but haven't told her yet. Used next yrs hol money to pay for it.... which the cheque will replace.

Thou the money side of me was thinking of waiting should pay it all off debts, but then it was money for a holiday, and it wasn't dds fault she got chicken pox.

My 2 balance transfers going through, all show on Junes statements. I allocate £250 card payments monthly - but have to replace £166 towards holiday money - leave me £84 for cards for now

GREAT PLAN OF ACTION FOR JUNE
pay off Capital One - £600 owing - £200 at 20%, (balance transfer, £400 at 30%), CARD FINISHED There be no extra payment for June to come from my card allocation

pay - £800 off Barclaycard, then get a balance transfer - which should be about £700 can transfer - That would go to AQUA 1st - any left over would go to Evans
- because of the £800 paid, that do as the monthly payment for B-card

pay minimum off Evans (20% - lowest APR standard rate) - (any spare from balance transfer would go Evans ) - minimum payment £45

Aqua - the bulk of the balance transfers have already gone through so won't know till next month the actual balance - have to do a minimum payment £45 (rather over estimate)

Then by Julys statements - only have to pay

Halifax - est £23.00 minimum
Barclays - est £23.00 minimum
Evans est £45.00 ((unless any balance transfer)

Once get those statements in - do snowball no 1010...... (glad they don't charge!!!!)

£91.00 Cards
£166 to go back to holiday

£257 - just £7 to find

Feb 2011 - repayment plan would go back to £250, then can include overdraft in that repayment, at the moment thats not due to be dealt with till the cards are paid off.

I seem to be planning so far ahead, alright when the snowball done as its black and white click a few buttons, but just trying to get the balance right and replace the holiday money- been disciplined so far, so reckon keep it up, as the holiday once in a life time opportunity.

xx

taxi73

Sounds like you've got a great plan there...you'll be debt free before you know it.

The_Dragon

Congratulations on getting all the holiday money back (as you say dd didn't plan on getting chicken pox just before the holiday!), and well done on all the planning it looks doable from here

mum2one

Thank you both, felt a bit mad running 4 sets of ifs, buts, on a piece and paper, and this seemed the best option.

So weird, the Capital One statement came today, and its £527 all in, so thats a bit less than I thought, then all systems go........

Very mse yesterday - we all had our hair cuts at the local college, it was £12.50 for mum, me and dd, its one of the best hair cuts that I've had in years. So weird, when we got there, I thought I recognised the teacher, and it was a lad who use to live round the corner and I worked with him as well when I was at safeway - left there in 2000, he left not long after me, and went into hairdressing, and landed on his feet, he said the last salon, he was charging £60 for a haircut....
weird how things happen. xx

Pips_Mum

Yay Im so pleased you got your money back.

When I was training to do massage we needed guinea pigs and people were only paying £5 for a full body massage lasting about 1.5 hours! There was a huge waiting list, lol!