Eager Elephant's Effective Everyday Excursion ...

beanielou

Have a nice day & eat cake

Stripes_The_Elephant

Eager_Elephant wrote: »

Ooh plans, plans, plans - I love planning:rotfl:

Me too - Elephants Love Plans!!

Just calling in to say Hello EE, well done on the overdraft Enjoy the rest of the festivities! Stripes xx

Eager_Elephant

Thanks for the birthday wishes - I have had a lovely Xmas and birthday. No credit cards used - I think this is the first year we have not used our credit cards or cancelled bills to be able to afford Xmas for over 14 year (Last year we did save for Xmas but the cat got ill just before Xmas and I had to use the money to pay the vet).

Today we have been out to a Panto - this was a Xmas present from Relative. We were going to eat out afterwards but then I managed to persuade everyone we would come home to gammon cooked in coke with chips. I left it in the slow cooker all day so it was cooked when we got back, 15 mins for chips and I saved us about £40.

This clearing debt lark is quite infectious:rotfl:

So just to recap, I cleared the Santander credit card in 12 weeks and then they offered me a 0% for 1 year so I moved £1k from my Halifax card which was at 27.45%:eek: leaving £1.3k on it (most at 6.56%, just £180 at the higher interest).
I also managed to clear the Santander overdraft which was costing me between £20 - £30 per month in fees.

So my new challenge is to clear the Halifax credit card - the balance is £1323.86.

I want to clear it by the start of the new financial year which is 14 weeks away:eek:

The logic behind this is that at the moment one of my contracts at work ends on 31/3, if it is not renewed I will only be working 16 hours per week (instead of full time) and won't have much spare money:(.

My other challenge is to declutter the house - I am joining Igamogam in trying to get rid of 1 item a day. So the main aim is for 365 things over the year - I can see me doing loads in the next week as I am off work for another week and then not as much after that.

As part of the declutter I will be clearing the shed (former outside loo) and making a pantry as our kitchen cupboards are tiny and I want to only shop monthly if I can.

So to start me off I have made a PAD of £28.00 to Halifax.

Eager_Elephant

Forgot to say that I got given a Kindle by relative for joint Xmas/birthday - I am so grateful to him for his gift.


Hopefully I can do some more surveys now as I can sit in bed and do them rather than sit at the computer desk. I am keeping up with YouGov and haven't got long to go until my next claim as I won 2000 points earlier this month.

mary_hinge

Happy belated birthday EE :beer::beer:

Well done on your debt repayments.... I am sure you will hit your goal in 2015!!

millionaire_in_training

Happy belated birthday EE. I love my kindle but have so many real books to read I have put it aside just now so I can declutter the books !!

Eager_Elephant

millionaire_in_training wrote: »

Happy belated birthday EE. I love my kindle but have so many real books to read I have put it aside just now so I can declutter the books !!

I was just telling jet9cat on the PAD thread that I have downloaded loads of free books on my Kindle but have a huge pile of normal books to read which will help my declutter too so these need to take priority!!

Eager_Elephant

Had a busy day today - been off work so have been tidying and decluttering. Loads of things by the front door waiting to go but nothing has actually left the house yet.


Paid another £29 to Halifax - I will get this card cleared in 14 weeks!!!

sashybo

Hi EE, saw you over on the PAD thread & just dropped by for a visit. Well done on clearing your O/D. :beer:

Ali-OK

Bit late to the party, but a belated Happy Birthday and happy decluttering

Your PADs are fab - well done :T