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

skaps

Typical, there was me saying how the ebay app made things easier and quicker to sell and then today my phone dies! I am due for an upgrade in September but its soooo annoying. :mad:

skaps

On the ebay front, people have bid for items and now dont want them! Soooo annoying, especially with one of the purchases we ended up buying new furniture with the money we thought we would get!
Have now re listed all these items and fingers crossed they will sell for the same or more.

Have just come back from Cancun, which was great but not so cheap. Need to head east rather than go west on holiday next time.

skaps

1) Reduce debt to £1000 - debt is now down to £3599.86 really doubt that it will get down to £1000 maybe more like £3000!
2) Overpay the mortgage by £6000 - £6178 so have reached my target :j and have now changed this to £8500
3) Pay back the natwest overdraft and reduce it to £1000 - down to £1370 again really doubt that it will get down to £1000 maybe more like £1300!
4) Cook sth different target 26/52 - up to 7/52 no change
5) Exercise 3x a week 26/52 - 3/52 no change
6) No new toiletries - 2 no change
7) MFiT - T2 target reduce mortgage from £230,252 to £213,252 by end of 2012 down to £217,038.55
Short term targets
a) 100 days challenge - target is £1250 paid off £1055.14 so far
b) Pay back wall by end of 2012 - £300 left to pay back

skaps

My grand total for the Olympic challenge is below
75. skaps - £12,486.07, paid £8,769.07 (70.23%)

I have now joined the Gearing up to Glasgow challenge target is £3,716.86.

skaps

Have decorated two rooms this year and now have to get the doors shortened so that we can close the doors! Another thing to pay for. Hopefully it won't cost too much.

Waiting for annual mortgage statement which will probably turn up sometime next month. Will be interesting to see how much its gone down from in the last year with the lower rate and bigger ops.

Anyway better get off to work.

skaps

1) Reduce debt to £2500 (much more achievable) - debt is now down to £3294.70
2) Overpay the mortgage by £8500 - £7048
3) Pay back the natwest overdraft and reduce it to £1000 - down to £1340
4) Cook sth different target 26/52 - up to 8/52 made some vegetable rice!
5) Exercise 3x a week 26/52 - 3/52 no change but have gone back to jogging on Saturdays
6) No new toiletries - 2 no change
7) MFiT - T2 target reduce mortgage from £230,252 to £213,252 by end of 2012 down to £217,038.55
Short term targets
a) 100 days challenge - target is £1250 paid off £1237.30 so far
b) Pay back wall by end of 2012 - £197 left to pay back

skaps

4) Cook sth different target 26/52 - up to 9/52 made some potato and sweetcorn soup.

7) MFiT - T2 target reduce mortgage from £230,252 to £213,252 by end of 2012 down to £215,770.85 - 2 months left of mortgage payments fingers crossed

Short term targets
a) 100 days challenge - target was £1250 paid off £1507.30

skaps

Forgot to add got my home insurance around £112 cheaper than I had calculated so this money has been kept for my long time savings which needed boosting.

skaps

Got the mortgage statement today and balance is now £215,770.85 .
Have paid off more than £13,000 this year. :j Mostly due to being on the svr but am happy nevertheless.

skaps

1) Reduce debt to £2500 (much more achievable) - debt is now down to £2977.28 under £3k yay :j
2) Overpay the mortgage by £8500 - £7849 so far
3) Pay back the natwest overdraft and reduce it to £1000 - down to £1290 not going to meet this target but have saved alot by balancing transferring this to a 0% cc
4) Cook sth different target 26/52 - up to 10/52 made 2 cakes, a hazelnut one for my mums birthday and a banoffee marshmallow cake for my brothers birthday
5) Exercise 3x a week 26/52 - 3/52 no change but have gone back to jogging on Saturdays
6) No new toiletries - 2 no change
7) MFiT - T2 target reduce mortgage from £230,252 to £213,252 by end of 2012 down to £214,540.55
Short term targets
a) 100 days challenge - met this last month and paid £1507/1250 :T
new challenge has started and have paid off £418.06 so far
b) Pay back wall by end of 2012 - £97 left to pay back