Poor but happy at 55 need to be debt free to retire!!!

Poorbuthappy55

Thanks Beanielou put like that it doesn't sound quite so bad but I'm going to have to try very, very hard to get the date a bit sooner.

Ches

If you reduce the credit available on each card as you make regular payments, it may put you in a better position to negotiate a 0% balance transfer card. Good luck I think you are doing well and BTW retirement is fabulous.

Poorbuthappy55

Thanks Ches I hadn't thought of that. Have you been retired long? I am working towards it slowly but surely.

Had another NSD today!!

Ches

6 years now. I don't know how I managed to work and run a house and bring up kids all at the same time but I survived somehow. Now I work 1 day a week in the local charity shop and the rest of the week is my own. Love it.

Claw_back_money

You'll get there PBH. Presumably you're targetting the highest rate CC first; which really helps with reducing the amount paid in interest? For us it was the 'unauthorised overdraft fees', hundreds of pounds in a year - often because I was trying to pay too much money of the (lower APR) credit card as I believed that they were what we should get rid of first. Madness! November 2013 will come really soon.

Cbm

Poorbuthappy55

What a beautiful day!!! Took my dog to the beach this morning before Job 2.

Have had a good weekend Mse wise have done all grocery shopping etc for the week ahead including a bottle of wine and spent £30.49 so I'm pretty pleased with that.

Received £2.58 from Amazon which went straight to MBNA not much but every little helps.

Claw_back_money

£30.49 for a week - that's two adults right (+ pets)? Very impressive. I've just been working ours out and our grocery cost has shot up over the last few weeks - I think its because the computer was in the shop and I couldn't keep a daily eye on things.
Hope you've got more sunshine today where you are - its starting to shine here.

Cbm

Poorbuthappy55

That was for 2 adults, small dog & cat plus occassional meal for DD. I did have quite a lot in the freezer etc. We've had fairly simple meals this week - pasta, omelette, cottage pie etc.

I've got another early London meeting tomorrow so I'm off to bed now.

Night, night

Claw_back_money

I hope you have a good day in London. Do you get a chance to look around while you're there? In my old job I used to go up every couple of months and would sometimes have a couple of hours at the end of the day - loved it. Before last weekend I think it must be years since I was in London, and felt every inch a country bumpkin!

Cbm

Poorbuthappy55

Hi

I haven't posted for about 5 months life just got in the way.

I have continued to pay my debts but not with as much enthusiasm as before BUT I need to focus. I am going to maintain this diary again to keep me motivated.

Will be back later with some figures.

Hope some of you are still around.

PBH x