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The journey starts here - don't stop believing

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Comments

  • Kepp
    Kepp Posts: 4,390 Forumite
    Part of the Furniture Combo Breaker
    Just done a quick search and it seems you can monitor gas and water as well, but could only find monitors for businesses for those but there maybe some home ones around.

    I guess with gas as not all your appliances use it it's a case of making sure your boiler is working properly and turning the heating down (hard if your house is cold though!) Energy Trust site said turning it down by just one degree can save 10% a year.

    This whole arrears thing is such a pain :(
    Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j
  • Kepp
    Kepp Posts: 4,390 Forumite
    Part of the Furniture Combo Breaker
    http://www.compareandsave.com/news/smart-meters-to-cut-gas-and-electric-bills/

    This sounds like what your after, not sure if you can buy one sooner though x
    Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j
  • **Kat**_2
    **Kat**_2 Posts: 969 Forumite
    That is something to consider thank you Beccie. The more I think about it the more I think maybe we could have a dodgy meter. I think (if it's free) I will get someone out to check just in case - can't hurt!
    Loan - [STRIKE]£6991.95[/STRIKE]£6180.01; Barclays Res - [STRIKE]£600[/STRIKE] £0 - £22 per week :eek:, NWB Grad O/D - [STRIKE]£1185[/STRIKE] £887.86 18.28% SWALEC - [STRIKE]£700[/STRIKE] £0 NPOWER [STRIKE]£220[/STRIKE] £0 Kays - [STRIKE]£591.28[/STRIKE] £0 TOTAL DEBT - [STRIKE]£10,288.23[/STRIKE] £7,000.01 31.96 % Paid off. BS Fund - £1 Savings Fund - £41.17 % Challenge Member 1
  • **Kat**_2
    **Kat**_2 Posts: 969 Forumite
    Paid money into BS, had haircut and blow dry yesterday (£20) and paid the deposit for my holiday (£64 as mentioned previously).

    We have 2 council tax free months which we are using to pay the remainder of the holiday with the remainder going on the gas bill.

    Still haven't had my Kays statement through which will be racking up my debt total (said before forgot I had items on BNPL) but I need it all down in black and white. Will be paying this off in conjunction with SWALEC before the interest free period runs out.

    All seems doom and gloom but can't cancel holiday as booked (and as sharing would be letting a lot of people down) but I am POSITIVE we will find the money and once it's paid it's paid.
    Loan - [STRIKE]£6991.95[/STRIKE]£6180.01; Barclays Res - [STRIKE]£600[/STRIKE] £0 - £22 per week :eek:, NWB Grad O/D - [STRIKE]£1185[/STRIKE] £887.86 18.28% SWALEC - [STRIKE]£700[/STRIKE] £0 NPOWER [STRIKE]£220[/STRIKE] £0 Kays - [STRIKE]£591.28[/STRIKE] £0 TOTAL DEBT - [STRIKE]£10,288.23[/STRIKE] £7,000.01 31.96 % Paid off. BS Fund - £1 Savings Fund - £41.17 % Challenge Member 1
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    Don't cancel your holiday Kat, it looks so lovely and you haven't had a holiday in such a long time x
    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/£40.00
  • **Kat**_2
    **Kat**_2 Posts: 969 Forumite
    I'm not going to, just feel like a fraud when we should be paying money off debt.
    Loan - [STRIKE]£6991.95[/STRIKE]£6180.01; Barclays Res - [STRIKE]£600[/STRIKE] £0 - £22 per week :eek:, NWB Grad O/D - [STRIKE]£1185[/STRIKE] £887.86 18.28% SWALEC - [STRIKE]£700[/STRIKE] £0 NPOWER [STRIKE]£220[/STRIKE] £0 Kays - [STRIKE]£591.28[/STRIKE] £0 TOTAL DEBT - [STRIKE]£10,288.23[/STRIKE] £7,000.01 31.96 % Paid off. BS Fund - £1 Savings Fund - £41.17 % Challenge Member 1
  • But you need to live too, no point debt busting and doing nothing, it makes you miserable...you only live once!
    VSP - £14.76 | Saving for a Deposit
  • Woowoo
    Woowoo Posts: 4,603 Forumite
    I've been on holidays since I started debt busting, you have to do what works for you Kat. You will be paying for your holiday up front as well, not on a credit card.

    Life is too short to have no fun, you need a balance x
    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/£40.00
  • Kepp
    Kepp Posts: 4,390 Forumite
    Part of the Furniture Combo Breaker
    I agree :)

    You work hard Kat and deserve a break x
    Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013 :j
  • **Kat**_2
    **Kat**_2 Posts: 969 Forumite
    Thanks guys you are all so nice. And true, I am not getting further into debt so it's just a delay rather than a set back :) xx
    Loan - [STRIKE]£6991.95[/STRIKE]£6180.01; Barclays Res - [STRIKE]£600[/STRIKE] £0 - £22 per week :eek:, NWB Grad O/D - [STRIKE]£1185[/STRIKE] £887.86 18.28% SWALEC - [STRIKE]£700[/STRIKE] £0 NPOWER [STRIKE]£220[/STRIKE] £0 Kays - [STRIKE]£591.28[/STRIKE] £0 TOTAL DEBT - [STRIKE]£10,288.23[/STRIKE] £7,000.01 31.96 % Paid off. BS Fund - £1 Savings Fund - £41.17 % Challenge Member 1
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