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

banwa

Hello Skaps, fellow 11in11er,:T

You have a new subscriber.

The goal to 'reduce moaning' really made me laugh

Banwa

skaps

I have just seen that Halifax's svr has changed from 3.5% to 3.99% which has changed my mfd from april 2025 to october 2025. I'm not moaning!

Lemon_Tree

grr to Halifax (i haven't challenged myself to stop moaning ) you'll soon stick it to them. But saying that it's still a fair bit lower than my fixed rate at the moment!

skaps

me too but i'm worried that by october it will be way higher

skaps

Targets for 2011:
- Pay back natwest overdraft by £2000 by end of the year. £300 has been paid back so far. I had to use the other £400 for some home improvements
- Call natwest and every time the overdraft reduces by £200 get them to reduce the limit.
- Reduce debt to £5000. Now down to £8648.50
- Reduce debt free date to march 2013 currently september 2013.Still the same
- Pay off £1000 in the 1 debt vs 100 challenge. Total paid off so far is £561.53
- Try to cook something different each week, TARGET - 26/52. 4/52 so far
- Try to exercise for 20 mins at least 3 times a week, TARGET - 26/52. 0/52 sp far
- NSDs - 15 for January - exceeded this 18/15 :j
- Go on a date with the OH at least every 2 weeks. Have been doing this, went to the cinema and have been out for lunch.

skaps

Have cancelled 3 cc's today and have reduced the overdraft limit by £200. Had paid in £300 but got charged £40 in interest! Its now down to £2300.

Waiting to here back for the new santander zero account too.

skaps

Last month my new recipes were:

mexician chicken
doughnuts
tapenade swirls
spaghetti and meatballs

Today I have made:
banana bread, flapjacks, sweetcorn soup, parmesan and sun dried tomato bread (my cook something new for this week), chicken curry (also something new) and lamb curry

skaps

Targets for 2011:
- Pay back natwest overdraft by £2000 by end of the year. Overdraft is now £2300 - only another £1800 left - paid £300 but had fees to pay.
- Reduce debt to £5000. Its now £8463.93. Have to pay £338 a month to do this.
- Reduce debt free date to march 2013 currently september 2013. Its now August 2013. If I pay £349.45 then I can do this.

- OP £2011 from the mortgage. £320.22 paid off so far.

- Pay off £1000 in the 1 debt vs 100 challenge. Paid off £736.10. Have changed this to £1300
- Try to cook something different each week, TARGET - 26/52. 5/52 so far.
- Try to exercise for 20 mins at least 3 times a week, TARGET - 26/52. Nothing has happened so far. Need to put some effort in.
- NSDs - 16 for February - 4/16 so far

skaps

Targets for 2011:
- Pay back natwest overdraft by £2000 by end of the year. Overdraft has been reduced to £2300 and will be reduced to £100. Have used a sbt to do this. So now have this to pay back.
- Reduce debt to £5000. Its now £8339.61. Have to pay £338 a month to do this.
- Reduce debt free date to march 2013 currently september 2013. Its now August 2013. If I pay £349.45 then I can do this.
- OP £2011 from the mortgage. £480.33 paid off so far.
- Pay off £1000 in the 1 debt vs 100 challenge. Paid off £736.10. Have changed this to £1300
- Try to cook something different each week, TARGET - 26/52. 6/52 so far. Made a chocolate and pear pudding and bread
- Try to exercise for 20 mins at least 3 times a week, TARGET - 26/52. Have completed 1/52 so far. Its a start.
- NSDs - 16 for February - 16/16 :j
- NSDs - 17 for March

skaps

New recipe this week was
Oven fried chilli chicken

Went to the local butchers yesterday and bought a freezer pack of meat for £22.99
Got so much meat much better value than Tescos where I usually buy meat from.
Had a lovely steak yesterday and used the chicken legs (which were more like thighs and legs) for the oven fried chilli chicken. Used up some breadcrumbs that have been sitting there in the freezer for a while.

Exercise is getting better but need to stop the snacking. Need to buy some more fruit as this stops me from eating crap in the day.