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

skaps

Had the family round for lunch yesterday out of the blue so i used up the rice i had cooked in the week and fried this with some vegetables. I also had some tinned tuna which i cooked with some onions, tomatoes and spices. I was cooking some cookies and bread so we had that as well. Turned out quite well as normally i would pop straight to the shops but as i did not have time i had to make something out of nothing. Plus everyone complimented me on my rolls.

Also got the cheque yesterday so will be off to the bank tomorrow to put it in. Total for wedding fund is up to £3354.15 which is 63%.

Freezer is selling on ebay but not for much at the moment. Fingers crossed i will get some more bids in, have got till next sunday till the listing runs out.

skaps

Dont know how I managed 2 NSDs this weekend and i also managed 1 today. Now I am up 14 so I have 4 more left with 6 days to go. 3 more days till I get paid so wont be able to make any more payments towards the wedding fund till then.

Yesterday i made i made cottage pie for dinner which was new for me and from the ministry of food i made parsnip and ginger soup which was supposed to be for my lunch today but lunch was provided so will have this tomorrow.

skaps

Made a minimum payment of £78 today 2 weeks early but would rather pay it now then later on in the month. This means i have completed my 1 debt vs 100 target of £500 and exceeded it by £18.27. So have now got another target of £200.

Have also transferred £200 towards the wedding fund so now im up to £3554.15.

skaps

For February i had 16/18 NSDs, am aiming for 18 again this March. What with mothers day and the OHs birthday, will be another challenging month ahead!

skaps

Have put in another £80 towards the wedding. £50 came from the sale of the freezer and £30 from other funds.

skaps

Have just done a more accurate snowball and my debt free date should be august 2014 (this is a few years earlier due to my bts it was something like 2017) but i could make it july 2012 by paying an extra £200 payments each month. Cant do this at the moment due to wedding savings but hopefully after the wedding.

Also i have changed my new 1 debt vs 100 target to £265

skaps

situps this week: 520/1000
squats this week: 420/1000

Have transferred another £150.65 to savings. Now up to £3905.90 with £1444.10 left to save.

skaps

Now both my isa and the OHs isas are full so keeping money in a savings account for the next 2 weeks.

skaps

Have just made next months payment to my natwest cc of £78, min payment was £76 but am keeping it to the same as this months to reduce my debt further. Also i have changed my target for 1 debt vs 100 to £300 as i will have a dd of £185 coming out on the 1st April. Then i can pay off the rest to meet this target off another card.

Am waiting to hear if the OH has been accepted for a santander cc so that i can bt the virgin cc onto this. Applied on the 11th March and someone said on one of the threads that it will take up to 2 weeks.

Also after a lazy week on the exercise front i did double the workout today then i normally do. I have somehow put on 3lb. Im not going to do much baking from now on as i think this has been my weakness.

skaps

Paid off another 26.80 and have now changed my target to 350 instead.
The savings for the wedding are up to 4050.64 which is 76%. I get paid next Wednesday so that will be another 450 to the pot.