If My Pennies Were Pounds...

If_My_Pennies_Were_Pounds

Well I went online to pay the odd £20 off my student loan so that I would have a round £1k to pay off. When I went online I've been paid a day early so the £26 that gets taken off my wages has been deducted too. Now sub £1k, really happy

My debt is now £974 :j:j:j:j:j

elantan

Is the problem at work fixable ? Is it certain people ?

Well done on the payment

If_My_Pennies_Were_Pounds

Was a client, or rather an ex-client now, so yes it seems that the issue is fixed

I'm just happy to be sub £1k, I have a been giving the loan some thought though. Although I know that I can pay the loan off quite quicky, I still have this issue with HMRC passing over the money from my wages in April. I think I should make April my DFD as they have said that I will need to phone them closer to when I think I'm nearly repaid in full so that they can make sure it is accurate and I don't overpay.

So tonight I think I will make a plan to have it paid in full by April...

elantan

That's a good plan to have and nice result on getting rid of the client

MustStopSpending

Hi Pennies, I am reading, just not posting much!

Good work on getting under £1k, three figures seems so much less than four (in my humble opinion!)

April is a good target to clear the debt, will mean a very happy spring and summer for you!

Oh yeah, I cleared off the pence on my two credit cards with this month's payment after you mentioned how annoying they were on your loan - so true!

If_My_Pennies_Were_Pounds

Yeah it seems to be a bit of an obsession of mine about money, I like nice even figures!

And MustStopSpending you are right, 3 figures is so much better to look at than 4!

Have transferred £24.12 into the VSP today, think I might be slightly OCD about the even figure thing as with the VSP you are supposed to round down to the nearest £10 in your bank so I should have only paid £4.12 but I moved the extra £20 to take my ISA up to the next £100 mark

Think we will have quite a few spends this weekend as we have just been paid and plan on getting the stuff to decorate our bedroom, plus need a couple of new outfits for big family occasions that are happening the next two weekends...

If_My_Pennies_Were_Pounds

Well I didn't end up spending as much money at the weekend as I thought!

We got the wallpaper for the bedroom, went in to homebase and the one we liked was reduced from £17.99 a roll to £8.93! :j Also got a couple of tester pots for the room (we're only papering one wall) as we don't know which colour to go for and a couple of new cushions for on the bed as we are totally changing our colour scheme. Total came to £63.56 but we had £50 of vouchers from xmas so only cost £13.56 :j

Going to really start trying to get the room done now, we've been meaning to for ages but other things keep cropping up! I need to get to ikea for the rest of my wardrobes! I bought the doors in the january sales, reduced from £250 per set to £50, we needed two sets so saved £400! Just need to get the rest of them now...

Had another 2 £2 coins at the weekend so I think the sealed tin is at about £150 now...having a competition with MIL to see who can save the most, we started in January and not sure when we are meant to be opening them...

Smilerwoman

Hi Pennies! :wave:

Hope all is well with you, glad you got your paper cheaper from Homebase. It's so nice to pick up a bargain!

When we moved house earlier in the year, we got a lot of our furniture from Asda. It was dirt cheap and quite sturdy and it didn't look like tat - I expected it to, but I was wrong.

But Ikea is lovely, if you don't mind cursing at the instructions! I can never do them and usually walk off in a huff! :rotfl:

If_My_Pennies_Were_Pounds

Hi Smilerwoman,

We did the same, when we moved in last January we bought a furniture package from Tesco but to be honest it is now looking a bit cheap and the style in not really to our liking.

I think we are going to spend more this time, on the understanding that it will last longer and won't need replaced for a considerably long time! That's the plan anyway.

Plus the furniture that we have at the moment doesn't match my idea for the redecorating! :rotfl:

Smilerwoman

I'm always interested in other people's interior design!! Hope it goes well xx