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

Hopeful1

You're doing really well! Good work :T

skaps

Targets for 2012

1) Reduce debt to £1000 - debt is now down to £4960.90
2) Overpay the mortgage by £3000 - overpaid by £2426.31
3) Pay back the natwest overdraft and reduce it to £1000 - down to £1600
4) Cook sth different target 26/52 - up to 4/52 made cheese and herb rolls
5) Exercise 3x a week 26/52 - will start this soon
6) No new toiletries - none so far

Short term targets
a) 100 days challenge - pay off £1300 off the od and cc - this was increased to £1500 and I paid off £1571.43
b) NSDs for March - 3/15 this month
c) Pay back wall £891 to pay back
d) Santander od - reduce by £400 by July

skaps

Doing the ensuite atm. Bought towels and bath mats using the last of our wedding vouchers.

Got blinds, taps and a shower still left to buy. No vouchers for these so will have to go onto ebay to see how much these may cost.

skaps

http://recipes.wikia.com/wiki/Taiwanese_Fried_Rice

My cook sth different for this week.

Also 3 weekends ago I have finally started exercising only on the Sundays but its a start. This week instead of the xbox i went on a very long walk on saturday so 2x last week. Not up to 3 but better than nothing. This week am aiming for 3x.

skaps

No more exercise has occurred since my last post

Oh well, good news is that I have reached my Mortgage free target for this year, which was £3000 so I have doubled this to £6000.

skaps

OH has been added money to the Sealed Pot so now up to £48.30, he is now putting all of his loose change in there so hopefully the total will continue to grow.

Got a letter on Friday from scalifax about the mortgage rate going up to 3.99%, have looked around and for the ltv we have, we can't get any better rates. This means the mortgage goes up by £30 but as I'm overpaying this means I'm overpaying by less than I was before. I could overpay by an extra £30 but atm have alot of things to pay for so will leave it and reconsider later on in the year.

skaps

1) Reduce debt to £1000 - debt is now down to £4300
2) Overpay the mortgage by £6000 - target changed, £3719 so far
3) Pay back the natwest overdraft and reduce it to £1000 - down to £1600
4) Cook sth different target 26/52 - up to 6/52
5) Exercise 3x a week 26/52 - started but still not done a week yet!
6) No new toiletries - none so far
7) MFiT - T2 target reduce mortgage from £230,252 to £220,252 by end of 2012 - achieved my target :j so have changed this to £213,252

Short term targets
a) 100 days challenge - target is £1000 paid off £640.96
b) NSDs - didn't do this in April will aim for 18 this month 3/18 so far
c) Pay back wall by end of 2012 - £599 left to pay back

skaps

1) Reduce debt to £1000 - debt is now down to £4100
2) Overpay the mortgage by £6000 - target changed, £4798 so far
3) Pay back the natwest overdraft and reduce it to £1000 - down to £1460
4) Cook sth different target 26/52 - up to 6/52
5) Exercise 3x a week 26/52 - started but still not done a week yet! Though have been doing a 5K run for the last 3 weeks.
6) No new toiletries - 2 so far, eyeshadows 3 for 2, magnetic nail polish!
7) MFiT - T2 target reduce mortgage from £230,252 to £213,252 by end of 2012 down to £218,900 - not sure I can achieve this oh well worth a try.

Short term targets
a) 100 days challenge - target is £1000 paid off £713.96 failed
b) Pay back wall by end of 2012 - £500 left to pay back

skaps

1) Reduce debt to £1000 - debt is now down to £3716.86
2) Overpay the mortgage by £6000 - £4798 so far
3) Pay back the natwest overdraft and reduce it to £1000 - down to £1400
4) Cook sth different target 26/52 - up to 7/52 - made a lamb curry this week
5) Exercise 3x a week 26/52 - 3/52 yay finally off the starting blocks.
6) No new toiletries - 2 so far.
7) MFiT - T2 target reduce mortgage from £230,252 to £213,252 by end of 2012 down to £218,900.
Short term targets
a) 100 days challenge - target is £1000 paid off £975.14 so far, going to increase target to £1250
b) Pay back wall by end of 2012 - £385 left to pay back

skaps

Sold some old bedroom furniture that came with the house and made £169! yay. So have used this to buy replacement furniture for the bedroom we are redecorating.

Done some surveys today and made £5 which goes straight to paypal. This will be used for the bedroom wardrobe I am saving vouchers and money for. So far have £34 in argos vouchers, I'm up to £8.75 in valued opinions so hopefully I'll get up to £10 soon.

Selling more things on ebay, found out that I can sell things using the ebay app so its much quicker for small things.