A Budgeteers Quest to be Debt Free & Mortgage Free By 40

jwil

I've been planning on some batch cooking too, hopefully I'll manage to get some done while I'm off.

I'm also going to try and carry on making as many payments as possible next month - even if it is just a few pence. I've got another tight month ahead where I'm very short, so need to stay focussed!

DedicatedDFW

Hi hypno :wave: thanks for stopping by really trying to meet these last few PADs

Hey jwil - lets hope the sales come in for you next month so you have the spare cash to pay

So got on with some items on my To Do list :T 2 things done :T these were paper based then started the phone calls :eek: no wonder things take much longer than expected. Been trying 1 number for 10minutes and will have to put that one off to another day now :cool: Next number currently been on hold for 5minutes :eek: dread to think what its costing

But if i get through and get this sorted then things will be moving forward - ooh yep call answered and forms being sent out to me :T good i think, just means i'll have work to do once these arrive :cool:

Been checking for MS's to no avail and completed a survey which is edging me towards payout and screened out of others. Washed a few pots - only a few as OH had moved only a few ???! so there wasn't room for alot and i couldn't be bothered doing the hot water battle again

Roll on le weekend! - oh just added up that there are 5 days left in the month now if i *can* muster together £48 as an overpayment before the end of the month then when the interest is added on to target 2 the balance will still be below £1700 next month Still awaiting delivery of my new credit card too where i can do a balance transfer to it - would be fab to put my interest bearing accounts onto it - would need to be a big credit limit though - if i get enough to transfer target 2 though i will do that and then PAD to target 3 and aim to clear that next month.

Have my birthday coming up soon - had rather wanted to be debt free by this point but that won't be the case. Still, debts are going down which is the main thing

jwil

Roll on the weekend indeed, especially as I am off next week, hurrah!

Happy Birthday for whenever it is

DedicatedDFW

Aw thanks hon

Lets hope we can both get lots of things sorted out in the next week then

DedicatedDFW

Target 2 BC : [STRIKE]6330.42 [/STRIKE]1708 Target 3 OD2: [STRIKE]£1450 [/STRIKE]£1297.55 Target 4 OD : [STRIKE]£180 [/STRIKE]£147.50 TARGET 5 O%: [STRIKE]4403.25 [/STRIKE]4144.30 Target 6 OD: £1500 Target 7 OH : [STRIKE]£1400 [/STRIKE]£1200 Target 8 MA: £1090

POAMAYC challenge: £3927.88/10,000 (Amount actually paid)
New Boiler £24.91/£1250 JULY TARGET /1000 Declutter: 51/365 27/06/11

Target 1 MC: [STRIKE]2303.18 [/STRIKE]21/07/11

DedicatedDFW

:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

Woohoo! I got my 0% BT through which puts the majority of my debt at 0% now as i've just requested my balance transfers which will go through in about a week

I didn't get enough to put it all at 0% but still i am soo happy with this :T:T:T

So i popped the last post on so i could see where my sig was up to as its going to be all change now :T:T:T

Off to do sig and then back with my August plan

DedicatedDFW

Wow that took some working out :cool: also - i have the 0% card i've used for float for MS's and then used payment for MS's to reduce the balance on the interest charging accounts so at some point that'll get added on here unless i just clear it when more MS funds arrive :cool:

So tomorrow my pad will be that little £8 to target 2 - this will clear this to £0 although i am confident that they'll still put interest on so i'll pay that in full when the bill arrives and then request they close my account :D:D

My 3rd target is the OD i have been living in for a while - as the majority of this got BT i'm working to clear this and run my account in credit for the first time in years :o:o though i'll leave the OD available - its not 0% but OH has been muttering about the money i sortof owe him (its very complicated and he didn't just hand me this amount so its not as though i borrowed it if that makes any sense - just don't want it to sound like i'm ungrateful :rotfl::o)

Following these epic adventures of closing 1 credit card and clearing an overdraft i shall turn my budgeteering skills to target 4 - the other big OD thats not at 0%. So huge, huge huge challenge for end of August is to have targets 2, 3, 4 and 5 at £0 - might as well squeeze 5 in there as it is the last smaller balance - right i'd better start e-baying now hadn't i :rotfl::rotfl::rotfl:

Thing is this will leave a tidy lot of 4 targets to focus on rather than thinking about and trying to remember everything And of course i'll then really need to start PADing in earnest as they will all seem like very large amounts because of course, they are

Still very pleased to have got this through and looking forward to receiving the cashback on it too

DedicatedDFW

PAD

Day 1 £5.42 paid across from current account - just so i've made a payment
Day 2 £5 off target 1 - again just from the very little funds i have in my current account
Day 3 £5 off target 1 - again just from the very little funds i have in my current account
Day 4 £9.59 off target 1 as interest has been added so wanted to cover this and reduce the amount owed
Day 5 £5 off target 1 - from p/t work
Day 5 £5 off target 3 - towards usual payment
Day 6 £5 off target 1 - from p/t work
Day 7 £5 off target 1 - MS money arrived
Day 7 £10 off target 3 towards usual payment
Day 8 £5 off target 1 - MS money
Day 9 £5 off target 1 - MS money
Day 10 £4 off target 1 -MS money
Day 11 £1 off target 1 -e-bay money
Day 12 £1 off target 1 - ebay money
Day 13 £1 off target 1 -e-bay money
Day 14 £81 off target 1 - energy refund *sob* it couldn't be more as i need to leave funds in the bank to cover DD's
Day 15 £38 to target 1 - MS money
Day 16 £5 to target 1 - MS money
Day 17 £5 to target 1 - MS money
Day 18 £30 to target 1 from cashback
Day 19 £14 to target 1 - from cash back
Day 20 £40 to target 1 - p/t work
Day 21 £30 - final payment (i hope - unless interest is added) to target 1 :jmoney from p/t work

Target 2 balance £1900.70

Day 22 £110 - combination of usual payments £50 each to target 1 & 2 & £10 p/t work income
Day 23 £5 - used credit note for £3 and rounded this up a bit too
£60 - money left in my account due to using 0% card :cool:
[ £40 - usual payment to target 3]

Day 24 £5 - p/t work
Day 25 £6 - survey money
Day 26 £6 - survey money
- £1700 balance transfer to 0%
Day 27 £8 - MS money - this is now target 2 paid off :j:j:j though i bet they still add interest

Target 3 balance £200

Day 28
Day 29
Day 30
Day 31

hypno06

Going back to the batch cooking stuff - curry doesn't have to be expensive......cheap cuts of beef done in the slow cooker make for beautiful rich curries.......and I love slow cooked veggie curry - even my exOH who was a big carnivore didn't mind them - provided I used "chunky" veg such as cauli and potatoes.

Yum yum yum......I may be making such beauties myself over the weekend for the freezer - thank you for the inspiration

ebayqueen_2

Morn Debtfree:hello:

Have read your diary over the last few days and wanted to wish you all the best. You are doing so very well. 2 cards now gone:j:T

Take care and keep going ... you have done superb:)

E