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A journey of a 1000 miles must begin with single footstep....
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Have just amended my signature, it now includes what I owe my mum again - no sense lying to myself is there!
I am setting myself no goals or deadlines at the moment, just ticking along with itLBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)
Barclays: £2,928.34 Lloyds: £2,499.60
MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00
Surveys: £6.60/£40.000 -
I am going to start my penny pot again and pay this into the bank at the end of every month - so far I have 8p in there! I do have a bag of coins at home somewhere as well, which I will dig out and add to it!
Slow and steady wins the raceLBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)
Barclays: £2,928.34 Lloyds: £2,499.60
MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00
Surveys: £6.60/£40.000 -
Morning Woo, found your diary at last and it's a fab read so far, only on page 2!!
Funnily enough i've just been making up big jars for all change from 1ps to £2 coins. LOVE those £2 coinsto go with the envelopes for food and diesel and dog etc etc. Right must get back to page 2 and i was going to do some ironing but i know who's going to win now:rotfl:
PWD xxWeight: need to lose 71lbs - lost to date 0lbs
One Poll: £3.20
My Survey: £0.00
Ebay: £0.000 -
Hi Polly
Thanks for your post - the ironing will probably be more interesting though lol!
Have you got a diary?LBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)
Barclays: £2,928.34 Lloyds: £2,499.60
MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00
Surveys: £6.60/£40.000 -
you've reminded me i should have a count up of my penny tin and put some in the bank. Generally it gets saved for arcades on holiday though, but not sure how we'll afford a holiday this year.0
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Hey Woo, I've been away for a few days with work, great to see how many payments you've made while I was gone! Keep up the good work, I'm sure you'll have that overdraft gone in no timeLittle monkey born November 2012:jFroglet due March 20160
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Well done on the payments Woo. I agree with slow and steady wins the race. You have been so many people's inspiration to get debt free and it's all with your small overpayments. It makes people think anyone can do it, better than hearing "I had £1k to put against something", especially as that's what most of us take home a month.Loan - [STRIKE]£6991.95[/STRIKE]£6180.01; Barclays Res - [STRIKE]£600[/STRIKE] £0 - £22 per week :eek:, NWB Grad O/D - [STRIKE]£1185[/STRIKE] £887.86 18.28% SWALEC - [STRIKE]£700[/STRIKE] £0 NPOWER [STRIKE]£220[/STRIKE] £0 Kays - [STRIKE]£591.28[/STRIKE] £0 TOTAL DEBT - [STRIKE]£10,288.23[/STRIKE] £7,000.01 31.96 % Paid off. BS Fund - £1 Savings Fund - £41.17 % Challenge Member 10
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PS I haven't read your diary from start to finish, I will now though (not right now, in work but I mean will start it from page 1 lol)Loan - [STRIKE]£6991.95[/STRIKE]£6180.01; Barclays Res - [STRIKE]£600[/STRIKE] £0 - £22 per week :eek:, NWB Grad O/D - [STRIKE]£1185[/STRIKE] £887.86 18.28% SWALEC - [STRIKE]£700[/STRIKE] £0 NPOWER [STRIKE]£220[/STRIKE] £0 Kays - [STRIKE]£591.28[/STRIKE] £0 TOTAL DEBT - [STRIKE]£10,288.23[/STRIKE] £7,000.01 31.96 % Paid off. BS Fund - £1 Savings Fund - £41.17 % Challenge Member 10
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I'm on page 18 now Woo, it's great, you are so positive and determined :T:T
Guess what, i was getting middle child out of the car to go to the Post Office and i looked down to see a 5p coin :jso thank you for making me look down! When i walk the dog i'm normally looking at people's houses so now i'll be looking at the pavementsWeight: need to lose 71lbs - lost to date 0lbs
One Poll: £3.20
My Survey: £0.00
Ebay: £0.000 -
I think I need to read my diary from the beginning to get some of my focus back, I feel like such a slacker these days!
Well done on the 5p findLBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)
Barclays: £2,928.34 Lloyds: £2,499.60
MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00
Surveys: £6.60/£40.000
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