This debt must go

happy_but_skint

Hi
Just read your diary and wanted to say well done, I'm still waiting for my OH to get fully on board!

starnac

happy_but_skint wrote: »

Hi
Just read your diary and wanted to say well done, I'm still waiting for my OH to get fully on board!

it's taken a while trust me :cool: probably about 2 years. Although while he hasn't been overpaying he has been behind me every step of the way. He always celebrated my little milestones (getting under the next £1000; clearing a debt etc) but I always felt that if I didn't bother then the debt would still be there. It's only now that he has actually taken it upon himself to reduce his credit card balance himself without any nagging ahem encouragement from me.

Your OH will get there eventually too. It just may take some time

starnac

on the topic of being productive here is my list for today. I did quite well yesterday so thought I would try it again so here goes

my list for today

[STRIKE]check banking[/STRIKE]
[STRIKE]check for surveys[/STRIKE] nothing although did have an email alerting me to a security breach in my Halifax online banking account. Probably won't act straight away due to the fact that I don't have an account with Halifax :rotfl:
[STRIKE]breakfast at coffee morning at church[/STRIKE]
[STRIKE]tidy front room before mum comes round later to put DD to bed[/STRIKE]
[STRIKE]put all DD's DVD's away after she threw them over the floor cos she couldn't fit them back in the storage boxes[/STRIKE] didn't do this yesterday
work at 4pm
[STRIKE]make more cards[/STRIKE]
[STRIKE]washing in[/STRIKE]
[STRIKE]line dry[/STRIKE] on airer as not looking too good outside atm
[STRIKE]take tape measure to coffee morning to measure one of the ladies[/STRIKE] she has asked me to make her a corset as she recently seen pictures of herself at her son's graduation. she said she will pay me and doesn't want "mate's rates" as she had never heard of this until DH did some jobs for her

I will check back later on to see how I'm doing

ETA wow that's everything on my list (except go to work but I have to do that so it will get crossed off ) I must try to keep this up

starnac

good morning. It's lovely and sunny here.

got the whole day off work today so must get some cleaning/ tidying done ready for next week when I have a week off. That must be spent sorting the boxes in the spare room so don't want anything that can distract me from that. (i am easily distracted)

my list for today

[STRIKE]HC[/STRIKE]
[STRIKE]line dry all washing[/STRIKE] [STRIKE]one load[/STRIKE] [STRIKE]2nd load[/STRIKE] last load on line
[STRIKE]ebay listings[/STRIKE] done finally
[STRIKE]dishes[/STRIKE] and put away
[STRIKE]sweep front room[/STRIKE]
[STRIKE]collect up all monies lying around and put in money boxes[/STRIKE] shame they are mostly pennies but every little helps
[STRIKE]all rubbish out[/STRIKE]
[STRIKE]shred paperwork[/STRIKE]
[STRIKE]make 2 more cards for carnival[/STRIKE] made 3
[STRIKE]put clothes away in DD's room[/STRIKE] also sorted her wardrobe out and picked up all the toys off the floor. That will last til she gets home this afternoon :cool:
[STRIKE]ring school about school uniform we ordered months ago[/STRIKE] it never came as they didnt' have DD's size in stock. might as well get the next size up now ready for next year

starnac

I don't feel as though I'm having a very productive day as I don't have much energy today. Been resisting the urge to have an afternoon nap. Early night tonight I think. This will probably happen too as DH is away and I won't feel the need to stay up with him to kepp him company (not that he needs company but I feel like I should)

I have managed to cross most things off my list though. The rubbish has all been collected and put in a black bag by the back door. I just need to actually take it outside and put it in the big bin before I can cross it off. has now been taken out and crossed off

All dishes have been washed but they are on the draining board "air drying" (see another job half done)

Must get onto ebay listings though. Maybe I'll do that now.....

ETA ebay listings now done. Didn't take long as it was just a matter of relisting the things that didn't sell last time. Hopefully next week when I sort the spare room out I will have lots more things to sell. Finger's crossed anyway

starnac

Money update will update again on friday when hopefully the j/a O/D will be gone :j

J/A O/D £369.42
Car Loan [STRIKE]£2609.58[/STRIKE] £2486.64
Barclaycard (DH) £3369.98
N/W cc (0%) [STRIKE]£1750.15[/STRIKE] £1700.15

Total [STRIKE]£8099.13[/STRIKE] £7878.83 under £8k now :j

starnac

Just a quick post from me this morning as it's DD's first sports day today. She looked so cute in shorts and a t shirt this morning. Normally she picks dresses and skirts to wear so to see her in shorts was fab. Camera is all charged ready for me to be a very proud mammy. Have to pack a picnic to take as they are having a teddy bear's picnic afterwards so need to take a blanket to sit on, some food and Sophie her doll.

DH home tonight from his expedition! Sounds posh but he only took a school group kayaking with an overnight camp. Was thinking about making him HM bolognese. We haven't had that for ages. Sounds like a plan

starnac

morning all

Day 2 of my week off. Got quite a bit done yesterday but must get more done today as I need the spare room clear by the end of the week.

my list for today

[STRIKE]check banking[/STRIKE] j/a in credit :j o/d officially gone
[STRIKE]check surveys[/STRIKE] just waiting for credits to clear and I can request a voucher
[STRIKE]sort 6 boxes[/STRIKE] and more. I am slowly losing the will to live
[STRIKE]rescue the fabric scraps I put in a bin bag yesterday as I had a brain wave last night what to do with them[/STRIKE] rescued
[STRIKE]don't let DH see me rescuing said fabric scraps as he was very pleased with the amount I had chucked out[/STRIKE] what he doesn't know can't hurt him
[STRIKE] NSD[/STRIKE]
[STRIKE]visit friend tonight[/STRIKE]
[STRIKE]youth club[/STRIKE] - not taking DD tonight as she had a very late night last night as was a bit teary this morning
stay off here so that I actually get some work done I just can't seem to do this for some reason?

starnac

Money update

J/A O/D [STRIKE]£369.42[/STRIKE] gone :j
Car Loan [STRIKE]£2609.58[/STRIKE] £2486.64
Barclaycard (DH) £3369.98
N/W cc (0%) [STRIKE]£1750.15[/STRIKE] £1700.15

Total [STRIKE]£8099.13[/STRIKE] [STRIKE]£7878.83[/STRIKE] £7509.41

starnac

Debt figures are coming down nicely now i think.

Have had quite a productive week this week while I've been off. Have been doing surveys everyday and am just waiting for some credits to clear for a pay out. :T

I have spent most of my time sorting out boxes in the spare room. You literally couldn't get in there. I have a big bag of stuff to chuck out and 2 boxes of stuff to ebay and I haven't finished yet I am hoping to get the majority of it sorted tomorrow. I promised DH I would get it done this week and although it has taken longer than I thought it would I am determined to get it finished. I am losing momentum now though as I have been doing it all week. I just want it finished.

Next week then I can start ebaying the stuff put aside. Hopefully it will sell so I can make some money and pay off the debt quicker.

Could actually do with another week off so I can just relax after the busy one I've had this week. Must keep thinking how nice it'll be though when it's all done and how nice the house will be by the time the baby is born.