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

skaps

Even though I am not directly doing the NSD challenge I am still counting my NSD days until I go on holiday. So far I have 3.

Still painting the living room. Now have one wall to do, quarter of the ceiling and the skirting. Hopefully will finish this by Saturday.

This year we have redecorated the bedroom, the study and the living room. Don't think we will do anymore decorating this year, actually we may do our ensuite as the flooring is carpet and this needs to be changed.

skaps

With the OHs help we finished decorating yesterday. :j

Got so much to do today, have made a long list. Sister and husband are down this weekend so need to make sure we see them sometime this weekend.

Another NSD yesterday so now up to 4. Today won't be one though as have to buy some food for the animals and gifts for family.

skaps

Today has been another NSD so up to 4 now. Had a moneysaving day today, parents came round with food, so have had that for dinner and had some whoopsies that we bought yesterday so had that for lunch and have some left for tomorrow too. Managed to do mostof the things on the list yesterday, need to change money tomorrow and finish packing.

skaps

4 NSDs for August

September target is 17. 1/17 so far.

skaps

Targets for 2011:
- Pay back natwest overdraft by £2000 by end of the year. Its now down to £1,725.40.
- Reduce debt to £5000. Its now £6,806.19
- Reduce debt free date to march 2013
- OP £2011 from the mortgage. £1440.99 paid off so far.
- Reduce santander overdraft by £500 to £800 by the end of October. Its still £1000, this wont happen as I have other priorities for now.
- Pay off £1000 in the 1 debt vs 100 challenge £133.29/£1000

skaps

Good news today, got a letter from Scalifax about my fixed rate coming to an end. Next month my mortgage payments will go down to £1091.23 and the interest rate will be 3.5%, more than half my current rate. It was funny that they said that I don't need to take any action to change the monthly payment. Haha, I will be phoning them tomorrow to change it so that I am overpaying. Am going to pay what I am paying already so that I overpay £808.77 each month for now. This would mean that I would reach and exceed my OP target in October. Yay!

skaps

Targets for 2011:
- Pay back natwest overdraft by £2000 by end of the year. Its now down to £1,700.40.
- Reduce debt to £5000. Its now £6,756.19
- Reduce debt free date to march 2013
- OP £2011 from the mortgage. £1440.99 paid off so far.
- Reduce santander overdraft by £500 to £900 by the end of December. Its still £1000 for now.
- Pay off £1000 in the 1 debt vs 100 challenge £208.29/£1000

New:
- Joined the MFiT(T2) challenge target is to reduce my mortgage from £230,252 to £220,252. Its now £229,903.

Also 4th september cooked some river cottage booster bars which was my new cook sth different for this week.

skaps

Made tomato soup today which is my cook sth different for this week

skaps

Targets for 2011:
- Pay back natwest overdraft by £2000 by end of the year. Its now down to £1,700.40.
- Reduce debt to £5000. Its now £6,604.19
- Reduce debt free date to march 2013
- OP £2011 from the mortgage. £2249.76 paid off target achieved - change this to £3600
- Reduce santander overdraft by £500 to £900 by the end of December. Its still £1000 for now santander won't let me change it, am waiting for them to tell me why.
- Pay off £1000 in the 1 debt vs 100 challenge £360.29/£1000
- VSP finally is off the starting block £13.72
- Sealed Pot £33.23
- Joined the MFiT(T2) challenge target is to reduce my mortgage from £230,252 to £220,252. Its now £229,903. Wating for my mortgage statement to come through the post.
- NSDs 17/17 for September :j

skaps

Bought my home insurance today and it was £85 less than last year so I'm a bit ahead of my monthly savings which is always good.

Got to buy some curtain poles for the living room and birthday presents for my mum. Tomorrow getting the boiler serviced and the light fixtures changed in the living room and lounge. Would be good if I could do these jobs myself but then I may end up in the hospital, there are some jobs even I can't do.