Skaps's "Will i ever be debt free?" diary

skaps

Have been up since 7 sorting out things for the hen do.
So far I have:
- phoned Nationwide to get a new card for my Flexaccount - will use this for holiday money
- planted more rocket and spinach
- sorted out clothing for tomorrow night
- made a list of all the things I need to buy for the hen do
- had one plumber come and give me a quote for the boiler and heating valves (£1800 with valiant 824 - 2 year gurantee)
- made another appointment with a plumber for monday evening
- checked bank accounts
- texted and fb people to check who is coming to hen

Things left to do today
- go to m&s to collect wedding book
- go to argos
- buy plates from poundshop
- buy food for tomorrow
- do at least 300 situps

skaps

Had my hen do and managed not to spend much - only £10 on the cab home. Had a NSD yesterday and today.

skaps

Update on targets

1. [STRIKE]Save £5350 for the wedding[/STRIKE]- paid off :j
   
2. Save £1000 for honeymoon spending money by end of July - £846 so far 85%
   
3. [STRIKE]Save £800 for car insurance[/STRIKE] - paid off
   
4. [STRIKE]Buy wedding rings [/STRIKE]- DONE :j
   
5. [STRIKE]Pay £800 off ccs with the 1 debt vs 100 challenge [/STRIKE]- paid off £815.01 :j
   
6. [STRIKE]Apply for a promotion[/STRIKE] - got one :j
   
7. Save £350 for home insurance for October
8. From September increase mortgage overpayment from £60.11 to £100.11
9. From October save at least £50 a month for emergency/kitchen savings.
10. By the end of 2010 reduce debt free date by another 4 months so it is december 2013
11. New target - reduce debt to under £10,000 by end of year
12. New target - Pay £450 off ccs with the 1 debt vs 100 challenge

Need to do:

• wedding insurance
• travel insurance
• wedding undergarments
• decide on hair and makeup for wedding

skaps

Up to 11 NSDs now. Fathers day today so may be a spent day, going to go and make breakfast in a bit.

Have found out that hair will cost about £64 and makeup about £34 which i dont really want to pay. Think i will just do it myself.

The OH gets paid this week so hoping to pay off some more of the debts and put some more in savings for holiday money.

skaps

Bought my wedding lingerie today so another thing ticked off. I was v happy all the items were on sale.

A week left till I get paid and hopefully I'll get my overtime in this months pay.

skaps

Update on targets

1. Save £5350 for the wedding- paid off :j
2. Save £1000 for honeymoon spending money by end of July - £976 so far 98%
3. Save £800 for car insurance - paid off
4. Buy wedding rings - DONE :j
5. Pay £800 off ccs with the 1 debt vs 100 challenge - paid off £815.01 :j
6. Apply for a promotion - got one :j
7. Save £350 for home insurance for October
8. From September increase mortgage overpayment from £60.11 to £100.11
9. From October save at least £50 a month for emergency/kitchen savings - have been doing this since april and have saved £225 (this includes july)
10. By the end of 2010 reduce debt free date by another 4 months so it is december 2013 - currently Jan 2014
11. Reduce debt to under £10,000 by end of year - currently £11,027.41
    
12. Pay £450 off ccs with the 1 debt vs 100 challenge - £139 paid off so far
    

Need to do:

• wedding insurance
• travel insurance
• wedding undergarments - DONE :j
• decide on hair and makeup for wedding

skaps

Payday on wednesday. So close to my wedding savings target now £24 remaining. 13/18 NSDs so far and a spend day today due to the OH having a takeaway. On the positive side though the grocery budget this month has been £66. Do need to do some shopping so I am sure it will increase.

Did exercise this Saturday and Sunday can't add any more to the 3x a week challenge. Going to go and do my 400 situps in a bit. Total currently at 19222 - 38% should be more like 50%

skaps

Grocery budget did not increase as I did not manage to go shopping. NSDs for June 15/18, target for July is 8 as going away on the 22nd.
Wedding saving total has been met and now am going to increase by another £300 as I got my overtime and the more I save the less that needs to go on ccs.

Update on targets

1. Save £5350 for the wedding- paid off :j
2. Save £1000 for honeymoon spending money by end of July - DONE :j Increased by another £300
3. Save £800 for car insurance - paid off
4. Buy wedding rings - DONE :j
5. Pay £800 off ccs with the 1 debt vs 100 challenge - paid off £815.01 :j
6. Apply for a promotion - got one :j
7. Save £350 for home insurance for October
8. From September increase mortgage overpayment from £60.11 to £100.11
9. From October save at least £50 a month for emergency/kitchen savings - have been doing this since april and have saved £225 (this includes july)
10. By the end of 2010 reduce debt free date by another 4 months so it is december 2013 - currently Jan 2014
11. Reduce debt to under £10,000 by end of year - currently £10,887.90 - under the £11,000 mark YAY!
    
12. Pay £450 off ccs with the 1 debt vs 100 challenge - £248.51 paid off so far
    

Need to do:

• wedding insurance
• travel insurance - DONE :j
• wedding undergarments - DONE :j
• decide on hair and makeup for wedding

skaps

Update on targets

1. Save £350 for home insurance for October
2. From September increase mortgage overpayment from £60.11 to £100.11
3. From October save at least £50 a month for emergency/kitchen savings - have been doing this since april and have saved £225 (this includes july)
4. By the end of 2010 reduce debt free date by another 4 months so it is december 2013 - target reached :j
   
5. Reduce debt to under £10,000 by end of year - currently £10,816.90 - under the £11,000 mark YAY! - change to by end of October
   
6. Pay £450 off ccs with the 1 debt vs 100 challenge - £100.49 left to pay
   

365days

Hi there, Just been reading through. you sound like you are doing really well.

Have you shopped around/looked at the home insurance article on here. I was paying about £320 for house insurance now pay about £110.
Most people massively over insure. Definately worth a look.