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mz_grims' debt free (and savings) diary
Comments
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Well have updated my sig to include all the nasty details (including the student loan that i wasnt going to include). Have joined up with the June NSD challenge to keep me on track. Off to work again in a few mins got to love it.Car Loan [STRIKE]$4471.47[/STRIKE] $1,254.70, CC1 Approx $4900, CC2 $108.00, HECS (student loan) $26,213 Total Debt - [STRIKE]$35,712.76[/STRIKE] $32,475.70DFD - September 2014Savings: Not smoking pot $397.98 (16/7/10), House Deposit $11,925.24 (16/7/10)Savings Total - [STRIKE]$12,013.06[/STRIKE] 12,323.22NSD Challenge June: 15/15 July: 9/120
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You were right to include the student loan mz as it will eventually have to be paid back right!
Your doing so well on the not smoking xLBM 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 -
Oh yes that it will Woowoo, thanks for the encouragement. CC2 I have listed is my CC and it gets used every month for fuel and some of the extra grocery shopping but it gets paid off in full every month. So as it was pay day today CC2 is now at $0 will update sig in a min. I really wish that OH would go and find out about that damn car loan though (its with GE money and they dont do statments) I have no idea what is left on the loan (amount in sig is a guess) but I do know there is still about 2 years worth of monthly payments unfortunatly.Car Loan [STRIKE]$4471.47[/STRIKE] $1,254.70, CC1 Approx $4900, CC2 $108.00, HECS (student loan) $26,213 Total Debt - [STRIKE]$35,712.76[/STRIKE] $32,475.70DFD - September 2014Savings: Not smoking pot $397.98 (16/7/10), House Deposit $11,925.24 (16/7/10)Savings Total - [STRIKE]$12,013.06[/STRIKE] 12,323.22NSD Challenge June: 15/15 July: 9/120
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Hello everyone, short post today as im about to leave for work. Not much to report, was a NSD yesterday and today should be the same so thats a positive. Last night at work tonight then 4 days off and I tell you I need it, been so tired these last few days been finding it really hard to get through a shift I think its a combination of the cold weather and the giving up smoking (as I used to use smoking to keep me entertained whilst on shift) but I will get through it and already feel better as im not short of breath anymore and finnaly stopped coughing lol. Well thats it for me today will be posting more over the next few days while im off.Car Loan [STRIKE]$4471.47[/STRIKE] $1,254.70, CC1 Approx $4900, CC2 $108.00, HECS (student loan) $26,213 Total Debt - [STRIKE]$35,712.76[/STRIKE] $32,475.70DFD - September 2014Savings: Not smoking pot $397.98 (16/7/10), House Deposit $11,925.24 (16/7/10)Savings Total - [STRIKE]$12,013.06[/STRIKE] 12,323.22NSD Challenge June: 15/15 July: 9/120
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Hi mz, hope your shift wasn't too dull, what have u got planned for your 4 days off?
Is your OH getting on ok with the smoking tablets?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 -
My 4 days off, hmm let me see I have to vist my mum today in ballarat as it is her birthday. She has told me she doesnt want anything as in a present but just wants me to come and vist as we dont get to catch up very offten due to the hours that I work. OH is doing really well he has cut down heaps and should by the end of next week be ready to stop all together. Me im still not smoking even after a really stressful day on wednesday (all work related but is all sorted now). For the rest of the days off it will be grocery shopping and batch cooking as I have found this so helpful in reducing the ammount I spend as I can take HM ready meals to work and not buy take away all the time (which is also doing wonders for ones waist line). This site has been amazing for that there are so many things that I thought you couldnt freeze and now I know that you can so lots of food not being wasted. Then got housework to do and also ment to be catching up with a friend on either sat or sun during the day (but depends if she can get the car as they are a one car household and her OH is working). Hope everything is going well for you Woo, and for all the other wonderful people on here I cant belive how much this site has helped me in such a short period of time.
mz_grimCar Loan [STRIKE]$4471.47[/STRIKE] $1,254.70, CC1 Approx $4900, CC2 $108.00, HECS (student loan) $26,213 Total Debt - [STRIKE]$35,712.76[/STRIKE] $32,475.70DFD - September 2014Savings: Not smoking pot $397.98 (16/7/10), House Deposit $11,925.24 (16/7/10)Savings Total - [STRIKE]$12,013.06[/STRIKE] 12,323.22NSD Challenge June: 15/15 July: 9/120 -
Well hello everyone, what a weekend. Spent too much money but was on neccessary things mostly (except some wool and knitting stuff as I have been teaching myself to knit). Today being tuesday here will be a NSD as im off to work again feel like I havent really had any days off but thats what you get when you work nights. Further update in the morning.Car Loan [STRIKE]$4471.47[/STRIKE] $1,254.70, CC1 Approx $4900, CC2 $108.00, HECS (student loan) $26,213 Total Debt - [STRIKE]$35,712.76[/STRIKE] $32,475.70DFD - September 2014Savings: Not smoking pot $397.98 (16/7/10), House Deposit $11,925.24 (16/7/10)Savings Total - [STRIKE]$12,013.06[/STRIKE] 12,323.22NSD Challenge June: 15/15 July: 9/120
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Cool, what's the first thing your going to knit yourself?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 -
Well What a week, been so busy with work havent been able to scratch myself, however I am now on days off and plan to relax and unwind and to catch up with all the lovely people on here. Woowoo, first i knitted an ipod cover which was a nice simple and quick pattern worked out ok did make a few stuff ups, next project which i have started is a beannie as it is that type of weather here at the moment been so wet and cold but not complaining as we desperatly need the rain.
Well on the debt busting/saving front havent done to bad last gym membership payment went out last fortnight so as of this next pay (due on 17th) I will have an extra $98 in my pocket. Have been batch cooking heaps as it makes eating at work for both me and OH so much easier and less expensive (no more nasty takeaway havent had any in the last month) and no more buying chocolate and lollies anymore either as i take a couple of plain biscuits to work with me brought nice and cheap from the supermarket (this fixes the 3:30am sugar fix lol). Still not smoking that makes it 3 weeks today and wow I am feeling so much better for it and so is the bank balance, cant believe how much money was literally going up in smoke. Well thats my post for today off to catch up with other peoples diaries hope everyone has a good weekend, might even have some time to get some more knitting done today.Car Loan [STRIKE]$4471.47[/STRIKE] $1,254.70, CC1 Approx $4900, CC2 $108.00, HECS (student loan) $26,213 Total Debt - [STRIKE]$35,712.76[/STRIKE] $32,475.70DFD - September 2014Savings: Not smoking pot $397.98 (16/7/10), House Deposit $11,925.24 (16/7/10)Savings Total - [STRIKE]$12,013.06[/STRIKE] 12,323.22NSD Challenge June: 15/15 July: 9/120 -
Your doing so well on the smoking, you don't seem to be struggling with it too much either?
Of all the first things to knit I didn't expect an iPod cover to be your answer lol!
Enjoy your days off xLBM 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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