'The Paper Hatters - our aims for 2010'

tirlittan

Update

Tirlittan
1. Pay off student loan £2560
2. Find a nice flat/house and move in with BF
3. Pay off HSBC CC, think seriously about cancelling it and look at other cc's you might want to/need to cancel as well.
4. Get the flat in order with furniture etc and make it lovely and your own.

CAFCGirl

Day wasnt as horrendous as it could have been.
Landen refuses to nap properly, keeps startling himself just as he doses off and then hes cranky from being over tired...and then wont fall asleep either....

Thankfully he's napping right now which gives me some time to myself to get bits and pieces done....so I've come online LOL

savingholmes

Hi Tirl they sound positive goals.... so much has changed for you since the start of the year!

Hi cafcgirl - glad you finally got some time to yourself

My day has been fine altho I haven't budgeted for school stuff - esp for DS as MIL normally buys a lot of it - but it doesn't look like she will this year so that could prove expensive!

starnac

good luck with paying off 2 (quite high) debts in 100 days savingh. i've done 2 of the last 3 100 day challenges and find they really focus me. hopefully i'll manage to complete it again this time.

i have been sorting stuff into ebay piles so must get the camera out and start photographing it all and onto turbo lister.

hows everyone else doing??

savingholmes

starnac wrote: »

good luck with paying off 2 (quite high) debts in 100 days savingh. i've done 2 of the last 3 100 day challenges and find they really focus me. hopefully i'll manage to complete it again this time.

Hi Starnac

I've done the challenge before - I think doodles started my original one... I've not paid much off our debts this year... at one point we were even increasing again! So we've had our splurge/fall off the wagon and now want to get back on track.

So yeah the figures are high but if I can meet them then I won't need to do another CC transfer in December... We also have a big OD facility so if it is a bit of a stretch it may still be better financially to put on the OD than leave it on the card...

MIL has given us £600 towards the target and my mortgage dropped in august from £753 to £181 (interest only) so you can imagine comparitively we have a lot more money to throw at our debt than we did before... I just don't want to risk us frittering it away so am aiming to take it straight out of the account around the day we used to pay it on our mortgage....

Plus - I am still only in a temporary job - with a possible end date of March so want to clear as much as poss while I am still earning!

Good luck with ebay!

starnac

wow that is a big drop in your mortgage payments. actually our first house cost us £181 a month mortgage on repayment!!! oh the good old days :rotfl: what did we do with our money then??? oh yeah nice holidays, nights out, a car each *sigh*

you make my target seem feeble in comparison. lucky you having a generous MIL. that amount would nearly pay off my cc. good for you using your extra money wisely

savingholmes

hi starnac - the £600 is generous but was for oh 40ths birthday - we normally get about £30 LOL

our mortgage rate has dropped from 5.95% to 1.45% which is obviously massive.... We used to run 2 cars plus a motorbike - now we have one less car... Our planned debt payments are probably about a third of our joint monthly income - possibly slightly more but about 50% of that payment is made possible by the mortgage dropping!

CAFCGirl

did some brief exercise this morning..... need to do more this avo

tirlittan

Brief exercise is better than nothing at all. Bet you do more than you realise though with lifting the baby etc...it all counts.
How's Gordon?

CAFCGirl

being a wee so and so...

been displaced from number one to number four, did not go down well....
Am trying to give him attention when L is asleep etc, and hes getting walked every day, but i still feel like we're not doing enough for him...

He misbehaves quite a lot as well, barks all the time in the yard, at the tele, when the post comes through etc....and then just randomly if he feels like it