Fresian's Final Push...Mooooving Towards Freedom

mumofthreemonkies83

:beer: Yay for Scraps!

Dh and I have been talking and we plan to pass our beloved on to the sister in law and replace with a 7 seater tank :eek:

We dont often need 7 seats what with the kids being in school but this half term has been really awful, the weather isnt great so theyre not out with mates and we cant even book a week away as the cars too small so doing some research on MPV's as we speak.

Hopefully have it sorted before Oct when her MOT is due because I very much doubt she'll pass, 13 is old for a car isnt it :rotfl:

Mumof4 xx

mooomin

Waiting for a bus to the bank,having decided that if my loan balance is smaller when I log into online banking I'll be happier. I will still be leaving money in savings though for emergencies.

beanielou

Think that sounds good F F

angelicmary85

I'm going to be firm and just say NO next time he asks!! :money:

Anyway...been shopping today and I've spent...

£14.89 on rubbish that I didn't need :eek: (Offers on tea bags, batteries, juice and some other bits)

£2.00 on lollies for DD (but they were big bags of her fave lollies from the pound shop )

£4.00 on a new t-shirt (woo! I spent another £4.00 on myself :j )

£25.00 on petrol. I didn't need this as the car was doing fine with the £40.00 I put in when we were in Perth but it was only £113.9 per litre and I couldb't resist. I really hate paying through the nose where we are...greedy !!!!er could put the price down if he wanted but he knows we don't have a choice :mad:

£29.26 in Pizza Hut This was to feed 4 of us though with 3 drinks)

£20.04 on rabbit food and low fat snacks to redeem myself from the Pizza Hut episode :cool:

£4.00 to park for 2 hours! :eek:

I'm embaressed

mooomin

Jings Angelic, you can tell you went to Town Hope you had a fun day!

Yesterday was a NSD for me :A thanks to remembering to make my own lunch in the morning more than anything. I also went to the bank and paid £1100 into my loan, meaning that when I log into online banking it now shows as £1991.20 owing, which is nicer to look at than over £3000. I'm earning sod all interest on my savings account anyway so figured it was worth it for the psychological boost!

I did ask for a repayment figure yesterday, and was annoyed to note that there is an interest charge of £75ish when I repay it early. The lady at the bank was keen to note that it wasn't a penalty though. My *rse.... :mad: I'll just keep plodding on until it's gone though.

Money

PAD/Spends = £42
Entertainment = £11.41
Groceries = £43
Purse = same as yesterday
Outstanding loan = £1386.85 + sodding interest penalty...

There are 125 days until I turn 30, meaning that I have to repay an average of £11.09 per day to hit my debt-free target. I'll have to think about how to do this as I'm running out of things to EBay....!!

Pippajo

Can you not leave £1 left to pay on the loan until the last payment if officially due, to get round the £75 early repayment "charge". I'm sure :money: would have something to say about the "title" of the charge :mad:

mooomin

Pippajo wrote: »

Can you not leave £1 left to pay on the loan until the last payment if officially due, to get round the £75 early repayment "charge". I'm sure :money: would have something to say about the "title" of the charge :mad:

I could do, but just want rid of it ASAP! I always forget to include my monthly repayments anyway, so will be paying £512 off it by December anyway, making my daily target much more achievable!

Pippajo

I guess the £75 is "worth it" to be rid!

mooomin

Pippajo wrote: »

I guess the £75 is "worth it" to be rid!

At least I didn't take PPI :rotfl:

mooomin

Some calculations on the back of my train ticket reveal that if I take my normal monthly payments into account I only have to find £7 per day to meet my target. That's only £210 per calendar month, which is less than I'm getting in rent anyway. It's totally doable Internets!

*happy dance*