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

skaps

Cooking front -
Last few months made quite a few cakes, not really new recipes but more cake decorating, today made a chocolate peanut butter cheesecake (Nigella's recipe) new recipe for me, other new recipes I can remember chocolate buttercream for cakes which is new and peanut butter cupcakes

skaps

Not been a great year, had lots of other things to worry about so the finances were not a priority.

1) MFW #68- overpay by £5000 :j
paid £6000 so met target
2) Reduce debt from £2590 to £0
3) Overdraft from natwest reduce from £1210 to £1000
4) MFiT-T3 #32 - reduce from £213,343.31 to £200,343.31 by 12/12/15 :T
On track to meet target and target has changed to £183,343.31
5) Exercise 3 times a week, target is 26 weeks :j
lost count but at least 10 weeks this was achieved, do Zumba, cycling (bought a bike) and jogging
6) Cook sth different, target is 26 weeks
again lost count but have been doing more cake baking recently
7) No new toiletries - just been using up old things and only got new things as xmas presents :j:j
8) Sealed pot challenge #1384 - no idea kind of gave up on this
9) Virtual sealed pot challenge #40 - no idea put some money away has added up to £250

skaps

New year new targets

1) MFW no68 overpay by £6000 - so far have op £600
2) Reduce debt to
3) Reduce overdraft to
4) MFiT -T3 # 32 keep on track - reduce mortgage to £193,343.31
5) Exercise at least 3x a week -26 weeks at least
6) Cook sth different - 26 weeks at least
7) No new toiletries
8) Save up for things

skaps

So far exercise 3/26

Cook sth different 4/26
leek, lentil and potato soup, broccoli and cheese muffins, cheese and tomato pies, cheese rolls

skaps

So I have been useless at updating this. Oh well

Its a new year and a new start.

First let me review last year
1) MFW no68 overpay by £6000 - £8000 :j TARGET ACHIEVED
2) Reduce debt to - NO IDEA
3) Reduce overdraft to - NO IDEA
4) MFiT -T3 # 32 keep on track - reduce mortgage to £193,343.31 - £187,539.03 :j TARGET ACHIEVED
5) Exercise at least 3x a week -26 weeks at least - lost count but did do more, zumba, bhangra, jogging etc.
6) Cook sth different - 26 weeks at least - did not count
7) No new toiletries - :j TARGET ACHIEVED
8) Save up for things - WORKING ON THIS

skaps

This year new targets

1)MFW NO 68 overpay by £8500
2)Do more exercise
3)Read at least 1 book a month
4)No new toiletries
5)Pay off debt

skaps

This year new targets

Review of 2015

1)MFW NO 68 overpay by £8500 - paid off 8360.52
2)Do more exercise - not much has happened on this
3)Read at least 1 book a month - read more during the holidays probably 5 books this year
4)No new toiletries - going strong with this
5)Pay off debt - still trying