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

skaps

So irritated today went into the loft and there was bird poop everywhere. Have cleaned some of it but ended up getting so irritated i had to stop for today. Also found out my sisters fiancees stag weekend in amsterdam is costing my husband £240! Great! Thats without spending money. This messes up the budgeting somewhat!

skaps

Up to 5 NSDs so far.

skaps

Up to 7 NSDs so far this month. Got paid £2 in interest for my savings which made me quite happy. Its the little things. Have spent today cleaning the house and now am shattered. Need to wait and see what the Santander min payment and the Natwest will be before any more cash gets paid out to these. Have not spent much on food this month which is good - need to use up what I already have and stop stockpiling.

Need to make sure I start looking for home insurance quotes this week as its due on the first week of October. EDIT - have got a range of quotes so need to continue the search.

Also have just started to use the cashback sites. One i had used before but thought it was not working. Have now put a request for the £1.80 to be paid into my account which will pay off some of the cc.

skaps

Today have paid £39 off the debt so now have £55.67 left till im under £10k in debt

skaps

Have paid off another £50 towards the debt so now im under 10k :j

skaps

Updates on targets
1)[STRIKE]Save £350 for home insurance for October[/STRIKE] - paid and was £40 less than last year :j
2)Save at least £50 a month for emergency - £500 saved so far (includes november)
3)[STRIKE]Reduce debt to under £10,000 by October [/STRIKE]- target achieved currently £9,736.09 :j
4) Save more tesco clubcard vouchers to use for xmas food - aim to save at least £11 by xmas - this depends on how many vouchers I get I have £39 in vouchers so far - have 50p worth
5) Save £50 for car insurance by end of 2010 - £110 saved :j-change to £200
6) [STRIKE]Save £100 for xmas[/STRIKE] - target achieved £100 saved :j
7) Pay £900 off debts with the 1 debt vs 100 target - £358.58 paid off so far

Other targets that have not been worked on:

• By the end of 2010 reduce debt free date to november 2013 - currently its dec 2013
• reduce natwest o/d to £1800 by xmas - currently its £2400

New targets
- reduce debt to £9000 by end of 2010
- save £200 for car insurance by dec 2010

Forgot to say 17/18 NSDs for September

skaps

Today have to go and buy kitchen tiles and its our 2 year house anniversary so am going to go out for a meal with the OH.

skaps

Having the kitchen completely redone starting tomorrow so have spent today emptying out the contents of the kitchen. The house is a mess of things but in a few weeks time when the kitchen is done it all should look great.

NSDs so far are 13/18 doubt I will make it again this month. Oh well.

skaps

Have met and exceeded my mortgage overpayments target of £700 overpayments this year. :j For next year I think the target will be £2000.

skaps

Updates on targets
1)[STRIKE]Save at least £50 a month for emergency savings -[/STRIKE] £600 saved so far (includes december) :j
3) Reduce debt to £9000 by end of 2010 - currently £9,536.67 but this will go up due to some bt fees
4) Save more tesco clubcard vouchers to use for xmas food - aim to save at least £11 by xmas - this depends on how many vouchers I get I have £39 in vouchers so far - have 50p worth
5) [STRIKE]Save £200 for car insurance by end of 2010 [/STRIKE]- £200 saved :j
6) [STRIKE]Save £100 for xmas [/STRIKE]- £100 saved :j
7) Pay £900 off debts with the 1 debt vs 100 target - £563.58 paid off so far
8) By the end of 2010 reduce debt free date to november 2013 - currently its dec 2013
9) Pay back overdraft - £0 paid