Chops Chipping the credit card debt!!

chops22

Just listed some toys in local paper, also got a cotbed to sell so shall take a pic soon and get that listed. I don't think it will got until after xmas tho, but you never know.

Ooo to finish hoovering and to put MORE washing on...where does it all come from.

Also must take electric and gas readings today....just need to locate the yellow key thing.

chops22

Turkey ordered.. so picking that uo on the 23rd...also got the fruit and veg order sorted so they are delivering that on the 23rd too.

Also teachers and office gifts bought & handed out. (always get the school ofice ladies something, as they are the ones I harrass the most!)

Bedrooms srill not 100% sorted so off to do a mad hour fling so hopefully be done for three..............(disappears off with binbags, polish and a grimace!!)

chops22

Today has been very hectic, and tomorrow is looking just as chaotic!

I have managed to get two loads of washing washed and dried, load and run dishwasher.....then cooked tea so need to empty and reload now before bed............really don’t want to but I am going to make myself. Been to watch big DS in Christmas Carole Concert this evening, delivered meat I got at a absolute bargain from work to family...then fell asleep watching spooks!!

Almost everything xmas wise is sorted, just got to nip (use this term loosely...cause it will take hours!!) into town and pick up one more present and get a few things from Tesco. I hardly go in Tesco now...since my MSE revolution. Am actually amazed that I really used to spend between £70-£90 in their most weeks... what was I buying???????? As this spending era was pre my spending diary...we shall probably never know!!

Then tomorrow night will wrap the kids presses...I love this and am really looking forward to it.

Also in between this got to do general tidying , hoover and dust down stairs and clean the bathroom. I try to clean things before they get dirty now...as find it saves time in the long run, and does not get on my nerves. I think I am grumpy when the house is untidy.:mad:

So the slow cooker will be doing its magic tomorrow as its going to be a busy one.

Going to make OH wash and peel the spuds.:rolleyes:...as he picked up mucky ones cause they are £2 a sack cheaper...I think the extra £2 is worth it as saves time and nail polish but was over ruled!!

Right off to face the dishwasher and check the banking then bed xxxx

chops22

:T:T:TYES!! Just checked TOP cashback and have now got £63.18 payable, so have requested payment now. So this money I shall be overpaying my MBNA credit card with...so pleased as did not think there would be any overpayments this month.

Also a family member owes us £65, from September, and they say they are paying it back this week too...so that can also go towards an over payment.

Feel mean asking for this now, but we really can't afford to leave it any longer. MIL not imressed that we asked for it two weeks before xmas....I feel its unfair of her to say this and take the other persons side...as we have already waited over three months for the money. Learnt a lesson tho don't lend money unless you can aford to lose it!!

chops22

Hello been snowing here today, so lovely I am all snuggled up now and tea is cooking in the slow cooker..can’t wait to have lovely casserole as smells scrummy!!

I have signed up to the 20K challenge and can’t wait till after xmas to really start shifting this debt.

I am going to wrap the monsters presses tonight, and I am feeling really Christmassy. Looking forward to the new year and my new frugal ways!!!

chops22

I can't stop messing with my budget spreadsheet......I need to leave it alone!!

macgirl

Hi Chops :hello:
I didn't know you had a diary *subscribes*

You sound like you're motoring along! :T I'll be tuning on for tips

I know what you mean about previously wasting money. I cringe when I go out shopping now, as I can see how I used to buy anything and everything without a second thought

Hopefully this time next year, we'll be in a much healthier position!

chops22

Hey Macgirl, :hello: thanks for stopping by.

Heres to a great debt busting 2010....I am really looking forward to christmas and having time off with the family...but am also itching to get into 2010 and really start concentrating on getting this debt down.;)

I can't keep of the spreadsheet and the snowball!!!:p

chops22

Hmm I have worked out that to achieve my 19k paid ny Nov 2010 I need to be paying £1500 ish a month...my minimums are around £530 ish....so I need to find an extra grand?

I plan to overpay at least £150-£200 out off our wages a month..just need to find the other £800?? GULP!!

macgirl

Hmmm, sounds similar to me. When you work out how to find the extra cash, please will you let me know