June 2010, 80 payments to go............

tootallulah

Ho hum, the buyers for my flat withdrew yesterday, it is too close to the recent riots, they didn't think they would feel safe traveling to the flat. I live in a good area but by public transport it is pretty edgy whichever way you travel. I seem to be writing this very calmly, obviously it is VERY disappointing but I need to get on with it, things happen for a reason.

So in the last three days I have spent £21.67 in total on coffees shopping and a contribution to a work leaving present. I am waiting for the heating engineer coming to service the boiler, it needs doing and I need a certificate for any prospective purchasers as I suppose one option is renting the flat out, however much I really don't want to/can't be bothered with.

On a good note I made the final payment and closed my Barclaycard.

Egg card at £561 is the next target, then I have £4000 on 0% that has to be paid off by April. New thinking is, could I get to just having the mortgage by Christmas? and then just have one big debt to worry about.

cha97michelle

I can't blame people for being a bit twitchy after the week we have had, but it doesn't help you does it. It will get forgotten about though as time passes.

You've just scared me toots. I hadn't thought about how little of the year is left, and it is quickly disappearing.

Lois_E

tootallulah wrote: »

Ho hum, the buyers for my flat withdrew yesterday, it is too close to the recent riots, they didn't think they would feel safe traveling to the flat. I live in a good area but by public transport it is pretty edgy whichever way you travel. I seem to be writing this very calmly, obviously it is VERY disappointing but I need to get on with it, things happen for a reason.

So in the last three days I have spent £21.67 in total on coffees shopping and a contribution to a work leaving present. I am waiting for the heating engineer coming to service the boiler, it needs doing and I need a certificate for any prospective purchasers as I suppose one option is renting the flat out, however much I really don't want to/can't be bothered with.

On a good note I made the final payment and closed my Barclaycard.

Egg card at £561 is the next target, then I have £4000 on 0% that has to be paid off by April. New thinking is, could I get to just having the mortgage by Christmas? and then just have one big debt to worry about.

Sorry to hear about the buyers, but well done on the Barclaycard. :T:T:T:beer::beer::beer:

I'm sure you'll have the Egg card dealt with in next to no time, so good luck with your "just the mortgage by Christmas" target.

tootallulah

Coffee £2.10, shopping £6.43. I am doing nothing but work and small shops as I am going to have no overdraft this month, and then Egg goes in September.

tootallulah

Still doing very little in order to end the month with no o/d. I have made the decision that the Egg card debt goes in September and the 0% all goes by Christmas. That leaves me next year with the mortgage only. It isn't a logical financial decision but it works for me, no debts but the mortgage will be a good incentive and a big step forward.

I have spent loads of time in the garden which looks really beautiful, at last the tomatoes have started to turn yellow, perhaps they will ripen before the end of September. I have made greengage jam this week, after finding a greengage tree in the garden which must have grown from a stone as I certainly never planted it. My garden isn't big but this tree was hidden by another one and I had never noticed it.

I am going to find my "things to do achieve this year" list and see how I am getting on. Back later to report.

[Deleted User]

Hey toots
plan of attack sounds a good one am a great believer that this is as much a psychological decision of what/how you are motivated (ie, by only having mortgage no other loans) as financiallly! especially when your in it for a long time!
any other news/viewings on the flat? hope things start looking up esp now things in the capital seem to have quietened down...
mmm...jam sounds yummy! I am spending more money as I keep going for the homemade/farm shop type jam as its the nearest Ill get to making my own and is just delicious!

tootallulah

I have had a week-end away with friends, absolutely lovely and now I am at home, in a small amount of chaos! It is so cold I am contemplating putting on the heating, I haven't ordered any logs yet so I can't have a fire.

I will just limp along to the end of the month without going into the over draft, quite and achievement considering how I have been spending money recently.

My Egg card will be paid off on the 1st September along with £800 to my 0% card. That will definitely be gone by christmas and next year it will be the mortgage all the way.

I am cutting out a winter coat to make this week, in this weather it feels like I will need it.

tootallulah

DO NOT VISIT THE 70% END OF MARKS AND SPENCER SALE! I have bought 5 skirts, 2 dresses and a pair of trousers, all for next summer for a grand total of £93. It has gone on the about to be paid off Egg card.

tootallulah

Having purchased next summer's wardrobe I am hard at work making a coat.

I have stopped now as the next step is bound button holes and I need to practice before doing the real things. I don't need to buy anything to make the coat and I am feeling ridiculously virtuous as I am finally getting to use some of the fabric that I have bought this year and looked at with great pride rather than making it into things. This coat is dark green embroidered linen lined with insulate lining to give it a bit of warmth, and if it works I will be making a wool winter coat in the same pattern using some lovely charcoal grey mohair with an orange band. And finally I want to make a cape/coat using some lovely air force blue coating I bought in New York last year. Mind you looking at the weather what I need is a winter mackintosh.

I have to go all the way to London for work tomorrow, on my week off which is a bit annoying but can't be helped.

tootallulah

Not going to work is lovely, such a shame that filthy lucre is required.

I am still going slowly making my coat and, whispered quietly, I bought two small Victorian wing chairs at the local auction for £38. They have old but high quality slip covers that I can use as a pattern to make new covers, in bright fuschia fabric I bought in Designers Guild years ago. I am hopeful, but not sure, that this will turn the chairs into interesting cool looking furniture that grown ups have in designery Victorian houses.

Paid £1000 off my card debt (£3200 to go) and £1000 off the mortgage. It will be a quiet month eating from the freezer and doing lots of making things. I am going to enjoy time up to Christmas and make BIG PLANS for next year.