Wanting to be debt free BEFORE retirement!

planning_ahead_2

Debt diary day 21

Day 21 of our debt free journey and coincidentaly £21 paid of the debts today - not a lot but it all adds up:T

That means that I have paid a total of £2000 off our debts since our LBM three weeks ago. WOW - I would never have dreamed that was possible. Normally we are scratching around at the end of the month for money - not this month - we got to the payday with no problem and have paid more than minimum off the debts. What an amazing feeling - I really hope this enthusiasm doesn't wane:)

Not much else to report - except still haven't sorted out the ebay listings:(:o

planning_ahead_2

Oh - meant to say I chased up the 0% balance transfer request today - they hadn't done it and so sorted it out for me over the phone. They said it will take approximately 6 days for it to appear on the other CC account. So - a total of £3430.04 transferred to 0%:T:T:T:T:T:T:T:T:T:T

grandma247

PA well done on both counts.

elsie52

Hi Planning,

WOW....Well done you...:T:T:T:T...£2000 off in 2 weeks certainly is something to be proud of.!!! Its a great feeling isn't it, to see the debt come down. I used to think that it was only me who got excited when a debt payment came out.!! I now can't wait to get to the 1st of the month to get a new figure on the outstanding debt.

OMG I am so sad.!! (but not alone obviously) !:o

We have been doing this for 2 years, and the enthusiasm is still there, so I am sure it will be with you too.

Right, I'm off to have a coffee and check online banking for the 2nd time today.....Perhaps I need therapy.:think::shhh:

planning_ahead_2

elsie52 wrote: »

Hi Planning,

WOW....Well done you...:T:T:T:T...£2000 off in 2 weeks certainly is something to be proud of.!!! Its a great feeling isn't it, to see the debt come down. I used to think that it was only me who got excited when a debt payment came out.!! I now can't wait to get to the 1st of the month to get a new figure on the outstanding debt.

OMG I am so sad.!! (but not alone obviously) !:o

We have been doing this for 2 years, and the enthusiasm is still there, so I am sure it will be with you too.

Right, I'm off to have a coffee and check online banking for the 2nd time today.....Perhaps I need therapy.:think::shhh:

Elsie - mine is tea, white no sugar;)

I wish it were two weeks - but it's three;) Still a great achievement methinks:T

You are not at all sad for checking the online banking - I seem to do that several times a day, along with my snowball and excel spreadsheet:rotfl: I thought I was cured yesterday because I didn't log in to my snowball for at least 24 hours - it was just a blip and I have logged in at least four times today:rotfl:

Cialilerin

You are doing so well - an inspiration!!!

planning_ahead_2

Debt Diary day 22

Just £10 off the debt total today - still, with my positive head on, it's £10 off and not £10 on (which before DFW days it would definitely have been:eek:).

I'm being good on my diet - but the weight isn't shifting this week:( which is quite depressing. Will keep plodding on though and I do know it will eventually start to shift.

I've made myself up a new spreadsheet for tracking our spend/budget and so far I am over the moon with it - but will have to see how it goes over the next couple of months.

I signed up to Bingo Britain yesterday to get the £5 per day free play for the next month (found the info elsewhere on MSE). I deposited £10 and have won that back already (but had to deposit another £10 before I could withdraw £20 - confusing or what:rotfl:). Still I do now have my deposit back and therefore the rest of the month is going to be free play and maybe I will get lucky and win something. I won't use the site for anything but free play though cos the money is more important going off the debts:D

Ok - off to do the ironing (not much to do but I hate it building up).

Have a good debt busting day everyone:beer:

maman

Well done PA, good to hear you sounding positive and £10 is £10:T

Just wanted to ask: You and elsie were talking about checking regularly on your internet accounts. I understand the obsession:) but are debits/credits made throughout the day or just 'overnight'. I thought that direct debits/SOs went out just once a day but perhaps if you make a transfer or pay in at a counter they go in instantly. Is that right?

Enjoy the ironing!

planning_ahead_2

maman wrote: »

Well done PA, good to hear you sounding positive and £10 is £10:T

Just wanted to ask: You and elsie were talking about checking regularly on your internet accounts. I understand the obsession:) but are debits/credits made throughout the day or just 'overnight'. I thought that direct debits/SOs went out just once a day but perhaps if you make a transfer or pay in at a counter they go in instantly. Is that right?

Enjoy the ironing!

SO's definitely go out once a day - but DDs, I guess it is when the companies call for them (not sure really), but when I logged on this morning I was expecting a DD to have gone out and it hadn't (9am) - just logged on and checked again and it has now cleared through my account. I think paying in at bank counter they do go in instantly (at least they do with Halifax bank).

To be honest, it doesn't matter if the numbers change or not - I am just obsessed with checking things now (after years of avoiding even looking at our finances:o)

Ironing finished:j:j

turfy6

Hi PA just read your diary, wow what an amazing start youv'e done really well. Im around the same age (Ithink) with 3 children all still at school and want to be rid of the debt before Im 50. We'll still have the mortgage but hopefully will be in a position to overpay. Although if DH has his way we'll have sold the house and be building our own, so may have to rent for a while, but if we make enough money hopefully we'll need a v small mortgage so its all positive.

I'll pop back and see you soon. Well done on the obsessive debtbusting, were all the same;)