A Return to A Debt Free Mission

Exerbusi2

A quick scan of my account tells me I should be expecting a payment within two days, then another one shortly after. I have another on the 7th, then again on the 10th. I have two payments on the 15th and then I know where I am financially for the month.

I will be paying a couple of big bills in march, but I will be using my new bike from the middle of the month onwards, meaning I will be able to save a lot of money that way. I am hoping that having the bike will save me around £100 per month, maybe more.

Exerbusi2

Todays update...

Some fantastic news from last night - I have been requested by ANOTHER client! That could be worth around £75 per month, which is great news. I also have a good lead to chase up, which could be worth some decent money. Added to that the fact that I will be saving money with my new bike, I should be in a nice financial position next month.

My rota at work has been adjusted to allow me 4 days off in a row of my minimal paid hours of employment, meaning I can work hard on the business then. Additionally, it means I can be far more flexible with what I do now.

This month I have a few extra outgoings - I want to buy a new iPad 2 - although it may sound like a luuxury, it will save me so much time as I will be able to complete much of my admin and accounts whilst I am out, which gives me far more leisure time to work on another project I have.

Today will hopefully be a NSD, and I am expecting a payment of £423 into my account within the next 2 days, making my life much easier, and giving me more to throw at the CC!

Exerbusi2

iPad 2 has been announced! Yay!

I am getting help for one of these for my birthday. I could afford one myself, but as it is my birthday I may as well offset the purchase price with birthday money.

This will transform my life and the way I complete my admin, as well as allow me to work on my additional projects as I go. So excited!

jonjamie1970

Noticed the PT's at my gym using electronic pads actually, can you keep customers plans on there etc to enter data and goals ?

Exerbusi2

You can, and that is part of the attraction.

Essentially the use I have in mind for it is mobile computing - if I need to catch up with emails and am in the sticks (happens alot - the people I deal with often live in big houses in the back of beyond), then I need a device that I can access email on. Additionally, I can keep all of their client data, medical information etc and have it at the touch of a button.

Another function is for me to work on a project I am starting in my downtime. If I have a break between clients, but not long enough for me to get home where I can use my PC or laptop, then I can simply use the iPad on the go!

Finally, I can download movies for long journeys, and use it on trains etc!

jonjamie1970

Exerbusi2 wrote: »

You can, and that is part of the attraction.

Essentially the use I have in mind for it is mobile computing - if I need to catch up with emails and am in the sticks (happens alot - the people I deal with often live in big houses in the back of beyond), then I need a device that I can access email on. Additionally, I can keep all of their client data, medical information etc and have it at the touch of a button.

Another function is for me to work on a project I am starting in my downtime. If I have a break between clients, but not long enough for me to get home where I can use my PC or laptop, then I can simply use the iPad on the go!

Finally, I can download movies for long journeys, and use it on trains etc!

Whats the battery life going to be on the Ipad

jonjamie1970

Update on me, on the 15th I'm going to clear the £599.04 on my Capital One card all being well, trying to work out a budget for the month but a service on the car and new tyre arent going to be cheap, Ive also got my youngest daughters 9th birthday on the 27th which I will need to travel down to.

Some quidco earnings and a blackberry on ebay will bring some additional funds but maybe not in sufficient time. Ive got enough money in the bank to pay the Cap One but feel like I need a bit of a buffer this month so will wait.

Exerbusi2

Battery life is 10 hours in use, and months on standby alone. Really good going.

Your debt repayments are flying! I am waiting for my £423 payment to go in before I make my next move on the debts. It will be there today or tomorrow!

Exerbusi2

Todays Update...

Work up to a good morning present - my text banking telling me a £423 payment has gone into my account today! That is brilliant, so I put £150 into savings, knocking my balance back up to £2000.

I paid £125 off my Tesco CC which puts my balance down to £175.

I am expecting a payment of £160 in the bank today as well, which I will probably use to pay off more CC debt, and leave the rest in the current account. My aim is to balance transfer at least another £400 this month, which I will do when I recieve my next payments into the bank.

Big chunks of debt removed in one go is the way I roll....!

Exerbusi2

Quicker update than I imagined!

The payment of £160 that I was expecting came through just after I sent my update! That money has now been divided into a £100 Tesco CC repayment and the remaining money has been left in my current account.

Next payment due on the 7th, which will be divided up into the final CC repayment of my Tesco CC, which will allow me to balance transfer another £400 over, and the rest will go on my HSBC CC which is my next major debt target.