'don't put if off another day' diary

InaPickle

Hi Homegrown! Very, very Merry Christmas and a fantastic start to 2010 to you and your family. May it help you further along the path to debt-freedom, and may the coming year bring you everything you could ever wish for yourself.

Pickle
x

homegrown_life

I hope everyone has had a great Christmas. We did, nice and relaxing and all paid for without credit. I'm so into that mindset now that when a relative said she'd bought her daughters laptop on 'buy now pay later' I must have looked so shocked!!

I logged onto my internet banking today to find I had a payment taken out from a company who I had bought somethign from before Christmas. This was extra from the first thing I bought, so I called them and they had no idea what it was. It was only £6 something, but even so I'd heard about people taking small amounts and then if gone unnoticed they'd take more. So I called my bank and they've put a stop on the card and sent it to the fraud squad :eek: All sounds rather scary!! Just glad I checked on it this morning as we have tax credits due in that account and if someone had decided to spend on it just as that had come in I'd be so up a creek without a paddle!! Thankfully as a joint account, we can still use oh's card - phew!

Looking forward to the new year and what it brings us

homegrown_life

I've just updated my sig as even though I haven't officiall handed over the money to BankOfDad, it's sat in an account just waiting to give to him or transfer over. So now debt is just over £6k and with payments coming out soon, I might break that and get it under soon. Time to get back to some mini goals I reckon.

I also worked out that I've managed 6 NSD's so far. I'll not get the 10 I hoped for but, possibly today will be and we'll see about the rest of the month (but argh - not that many days left!! Lol!)

homegrown_life

Happy New Year All! :beer:

I'm feeling rather positive about 2010 and the new decade Hope everyone else is too.

I've been doing a bit of spreadsheet making and number crunching in an effort to be really organised this year. I know being unorganised is my downfall so I need to get on top of it.

I've done a couple of min pmts off the CC's. I'm not putting them in my sig anymore, will post at the beginning of the month with totals and then if I fiddle with my sig I've not lost it.

CC1 - £883.86
CC2 - £2880.00
CC3 - £476.36
O/D - £1800.00

Grand Total - £6040.22

Total paid off since debt at highest - £348.52 :T

I have some more money sat in an account waiting to be paid off things, just need to decide what to attack first. Probably still the overdraft. Should definitely be able to reduce that by another £100 soon.

Today I had my first NSD of the year, I'm upping the target on these to make it more of a challenge. I managed the 10 a month ok, but I'd like to push myself a bit more.

I wonder what 2010 will bring?

homegrown_life

I've just signed up for the 1 debt vs 100 days challenge. I've been very tempted to attack my CC1 which is at the £880 ish mark, what with it being in 3 figures and looking just that little bit easier to sort. BUT if I do manage to clear £800 then it would be better coming off the o/d as that would then start giving me time when I'm in the black with them. And as I've said before, that's the one that worries me most out of the lot of em. Well that one and the big CC, but I try not to think about that one!!

So that is the challenge, £800 in 100 days. Eeeek:eek: No idea how I plan to do it yet but I'll give it a think and try to come up with a game plan...

In other frugal-ness, I have redeemed for another BP Amazon voucher for Christmas and birthday spending. Would love to be cash neutral for those this year. I have £10 so far.

Moneytroubles_2

Hi Homegrown life, just popping in to say hello * waves *

Hope your debt busting is going well :-D

homegrown_life

Hi MT!

Thanks for popping by. Poor little diary is being neglected. I best dust some cobwebs away

Ok so the totals for the beginning of February look like this:

CC1 - [STRIKE]£883.86[/STRIKE] £873.80
CC2 - [STRIKE]£2880.00[/STRIKE] £2850.50
CC3 - [STRIKE]£476.36[/STRIKE] £471.36
O/D - £1800.00

Grand Total - [STRIKE]£6040.22 [/STRIKE] £5995.66

so no great movements there really. But that's because I have been concentrating my efforts on building up some funds in an account that can pay the overdraft off in a bigger lump sum in the not too distant future. The 100 days vs 1 debt is helping lots there.

I have in that account £300.45 :T So really I could pay that off and reduce it to £1500. Feels good. What I want is for it to be £1000 so that when our wages go in it actually goes into the black for a bit which will help with the overdraft charges.

Onwards and upwards...:beer:

InaPickle

homegrown_life wrote: »

Hi MT!

Thanks for popping by. Poor little diary is being neglected. I best dust some cobwebs away

Ok so the totals for the beginning of February look like this:

CC1 - [STRIKE]£883.86[/STRIKE] £873.80
CC2 - [STRIKE]£2880.00[/STRIKE] £2850.50
CC3 - [STRIKE]£476.36[/STRIKE] £471.36
O/D - £1800.00

Grand Total - [STRIKE]£6040.22 [/STRIKE] £5995.66

so no great movements there really. But that's because I have been concentrating my efforts on building up some funds in an account that can pay the overdraft off in a bigger lump sum in the not too distant future. The 100 days vs 1 debt is helping lots there.

Don't knock it - that's nice and steady, and getting you where you want to be! I've been really rubbish this month, so I'd be delighted to see things go down. Best of luck, and come back more often cos the spiders which were running all over your thread were seriously scary! :eek:

mrs_robinson_3

Hey, good to see you back HGL. We missed you. And well done on your progress.

Mrs R

Moneytroubles_2

Hiya homegrown,

know we spoke over in my diary but thought I would pop into yours to see how your getting on!

Well done on the progress, every bit counts xx