November.2015.here.we.come

mum2one

I've done it - hit and passed the 5k repayment challenge for the year

£5028
:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

taxi73

Well done ...what'sthe next target

penguin83

Well done Mum, thats some good going!

Thanks for the info on the courses. They do look really interesting, will have a good nosey over them at the weekend x x x x

mum2one

Thank you both, so plzed to get that far.

Done new snowball, inc the money for the table, so can pay that b4 the 7 mths, carry on and see how much more can pay this yr, the next is pay the cards, then the overdraft (unless Halifax repay charges - reminds me not heard from them), then replace the savings.........

Then get on my once in a lifetime trip to America........ with dd in tow!! xx

taxi73

Sounds like a good plan

mum2one

Fingers crossed = some good news, got the medical report from the GP, re cancelling July hol, so glad I hadn't told dd we were going, bless him he's filled it in spot on, just waiting for cancellation note from hol company, so hopefully all be okxx

taxi73

thats good

mum2one

More good news, DD has passed her grade 4 swimming, so she starts new group in September, shes in Squid 1. Bless her, it was her 2nd attempt at the level 4, the 1st she failed on swimming 10 metres, but managed to swim the 25 metres!

Just what her to do the best she can, as when we go to Dom Rep, would really love to surprise her with the dolphin swim, as well as the dolphin encounter.

Had her sleeping with me last ngt, her best friends mum been in hospital, shes out now but may have to go back in again, were having her friend at wend for sleepover, whether thats knocked her for 6, as the other night she said she couldn't sleep and went in with mum and dad, apparently they were both on their sides, holding the matress tight, while madam was spread eagled in the middle.
She started off in mine 2ngt, then decided to go back to her own, apparently Big Boy (3ft dalmation dog) wasn't comfy.......

taxi73

Well done to DD...it's always good for kids to learn to swim

mum2one

Sleepover night 2ngt

Took them to the farm, dad came with us, they loved it, they groomed ponies, dd took a 18hand clysdale horse for a walk in the courtyard, they bottle fed a lamb, stroked rabbits and ginuea pigs, tractor ride, milked a cow, they hated that..(determined that they did everything!!... all they wanted to do was play in the sandpit ......it was everywhere, had to take them to the loo and strip them to empty the sand out but they were happy.

Stopped via Asda, the lad at the checkout was really friendly, (if only I was 20 years younger!!), the kids packed, got some sweets for midnight picnic.....said as soon as were packed chippy for tea, - dds friend asks the cashier if he wants to come to the chippy with us, and then home as were going to do some crafting!! I went scarlet, he laughed........

We were productive 2ngt, they've made photo frames from lolly pops, mini notepad.

They then wanted to watch dvd - 9pm, - took up Simpsons at Christmas, went up 10.45, dds friend fast asleep, apparently she fell asleep within 5 mins of getting into bed, dd sat there munching through the popcorn.... and got can I come down and watch TV with you......NO ........ go to sleep!!

Tomorrow - they want to do mini notebook and memo box holder, make alice band and hair accessories..... then she goes back after dinner!!

Feels weird, as I put dd and her friend in my bed, (double), sleeping in dds single bed........

Bless them.

Tried to sort out a balance transfer to Vanquis, had to put the summer hol on it, although go halves on it, mums share doesn't come to me till Nov!
All was going ok, then Oh Vanquis won't allow balance transfers.......... what a surprise at 59% apr....... so the new paln is minimum on all other cards then chuck every penny at Vanquis, I'm guessing that be December. But am leaving the snowball as it is, and review in Dec...... see how far I'm out, hopefully not to far.

So what I've done is taken a £400 balance transfer at 6mths 0% and slapped it off Aqua card, thats the next highest apr 39%, so in a way its still making the best deal. So reckon that after Vanquis finished, pay more off the Halifax and do mini transfers, although keep it up to the limit, its got wack as 5.9% life of balance, then this one at 0%, after 6 months itsgoes to 19% - lowest apr card got, but if say every 6 months can do mini transfer, balance out in the end...

Think I need a miracle after all this money planning, xx
I'm just going to carry on chucking money as I can, whether its a £1 or £10 it all helps