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

skaps

Update on targets
Save £1000 for honeymoon spending money by end of July - £40 so far 4% there
Apply for a promotion -one pack has been sent to me and another is on its way

Keep checking my cc online as I want to find out what my min payment will be this month. Normally statements are produced on the 19th of the month but have checked and nothing is showing. Its so annoying as I need to find out so I can see what extra money I can put towards the wedding.

skaps

Now know my min payment for the Natwest cc which is £113. This is more than I thought! Am so close to the wedding target now 98%

skaps

Have emailed fd to withdraw my isa funds to pay for the wedding. It takes a couple of days and want to make sure i have it ready.
Save £1000 for honeymoon spending money by end of July - £240 so far 24% there
Apply for a promotion - been to look at one school and am doing my application tonight
Save £5350 for the wedding - 98% of the way there Get paid on thursday so then the wedding fund will be full and I will have reached my target. :j Its such a relief to know that it wont be going on any cc's which back in January I thought it would be.
[STRIKE]Pay £900 off ccs with the 1 debt vs 100 challenge [/STRIKE]- I have changed this to pay £800 off ccs

When pay day arrives I need to:
1) put money aside for wedding fund
2) pay natwest cc £113
3) pay santander cc £146.01
4) see how much money I can put in spending money and car insurance savings

skaps

Made an extra payment of £20 and now my dfd is march 2014. One month less than before. Yay!!

skaps

Made two payments towards cc - £113 and £146.01

skaps

April GC £150.09/£150 :j Would have been under budget but had to buy the rabbit some food. Also NSDs for the month 17/18 :j. Now for May can I reach 18? I hope so.

I have just opened an email saying I have been shortlisted for a new job. I am so shocked and scared. Its next Friday so this weekend is going to be a long one.

skaps

Yippeeee I have paid for the rest of the wedding today. :T Thats the bulk of the saving done. Now got to save up some spending money and look for travel insurance.

skaps

When pay day arrives I need to:
[STRIKE]1) put money aside for wedding fund
2) pay natwest cc £113
3) pay santander cc £146.01[/STRIKE] DONE
4) see how much money I can put in spending money and car insurance savings - NEED TO DO but will wait till the dds for the beginning of the month have gone out.

Update on targets

1. [STRIKE]Save £5350 for the wedding[/STRIKE] - done and paid for :j:beer:
   
2. Save £1000 for honeymoon spending money by end of July - saved £272 so far
   
3. Pay £800 off ccs with the 1 debt vs 100 challenge - paid £392.01
   
4. Apply for a promotion - got an interview on Friday
   

skaps

I have not posted in a while due to looking for a promotion, which I got this Thursday. :j Not much else to post going out tonight to celebrate with family and friends.

skaps

UPDATE ON TARGETS:

1. [STRIKE]Save £5350 for the wedding[/STRIKE] - paid off :j
   
2. Save £1000 for honeymoon spending money by end of July - £555 so far 56%
   
3. Save £800 for car insurance - nothing saved due to washing machine needing replacing this month
   
4. Buy wedding rings - found and will buy end of May
   
5. Pay £800 off ccs with the 1 debt vs 100 challenge - paid off £553.01 so far 69%
   
6. [STRIKE]Apply for a promotion - [/STRIKE] got one :j
   
7. Save £350 for home insurance for October
8. From September increase mortgage overpayment from £60.11 to £100.11
9. From October save at least £50 a month for emergency/kitchen savings.
10. By the end of 2010 reduce debt free date by another 4 months so it is december 2013 - currently it is february 2014 need to reduce it by 2 more months.
11. New target - reduce debt to under £10,000 by end of year - currently its £11,400ish so I can do it if I pay £200 a month.

Get paid on Thursday so this is my list of things to do:
1) put aside £450 for rings
2) put aside £100 for wedding and holiday insurance
3) shop around for a better car insurance deal
4) check virgin cc bt have been completed
5) if i get my overtime this month put £300 towards holiday spending or for car insurance payment
6) buy wedding book and cufflinks £40