GFI Follow-up ... Out of the Sand 2011

ceebeeby

Hello and a very very warm welcome to my shiny new 2011 diary.
This is a follow up to my 2010 "Go For It" Diary.

THIS YEARS GOALS:

1. Open the doors to all debts, including those called "Head in the Sands".
2. Calculate a realistic DFW date (2nd February 2017)
3. Clear Credit Card 2 and cut it into tiny little pieces!
4. No adding anything to credit!
5. Get too and keep weight level at between 10st 7lb and 11st 0lb - with the optimum being 10st 10lb.
6. Coffee shop doors can open again - but no cakes / biscuits when in there.
7. Get the food budgets under control by doing a monthly menu planner - hence moving it to the front page!
8. Try and sell the house in Spain!
9. Save enough for a family holiday and a singley holiday without resorting to credit!
10. Climb the three peaks (Ben Nevis; Scaffel Pike; Snowdon) .... for Hyder x
11. Make really imaginative Xmas stockings for kids and knit scarves for suspected appreciating relatives!
12. Save £1 a day in my Terramundi pot for Xmas 2011
13. No telling the children we're skint! It's not their fault or doing!

I need all the help and support I can get!

All visitors are most welcome, and all guidance is gratefully received x

ceebeeby

December 2011

+£451.09 remaining

November Account Information

Bank 1 Joint Account Balance: £93.85
Bank 2 Single Account Balance: £307.51

Outgoings:

Bank 1 Monthly Outgoings: £68.85
Bank 2 Monthly Outgoings: £26.68
Bank 2 Additional Expenses: £0
Bank 2 total: £26.68

BREAKDOWN

Bank 1 Outgoings:

[STRIKE]Mortgage 748.70
Electric 14
C Tax 223
Contents 35.80
Gas 27.00
LOAN 2 Joint Loan 740.00
Sky 96.99
Pet Insurance 19.58
Int and Charges - 7.50
LOAN 3 Joint Loan 105.90
Sky Protect 9.25
Build Ins 41.35[/STRIKE]
Home Care 32.35
Landline / Broadband 30.00
Nat Trust 6.50

Total: £ 1389.22 / 694.61
Remaining: £68.85

Bank 2 Outgoings:

[STRIKE] Credit Card 2 100
Mine and DD's contract phone
TV Licence 12.37
LOAN 1 312.38
Car Insurance 22.74
Credit Card 1 162.00
Phone Insurance 7.99
Credit Card 3 90.00
Life Ins 1 - 27.43
Catalogue 85.00[/STRIKE]
Life Ins 2 - 9.35
RAC £9.83
Int / Charge - 7.50

Total: £746.59
Remaining: £26.68

Estimated Additional Expenses Break Down:

FIXED CHARGES
Petrol (£50.00 per week @ 5 weeks) = 100 remaining
Grocery Shopping (£50 / per week @ 4 weeks) = 100 remaining
EXTRAS
Additional Extras Total: £500
Total remaining to pay out: £200

ceebeeby

This changes all the time!!!

ceebeeby

Savings tracker - for all the things i need to buy in 2011

Family Summer Holiday (Target £1000):


TOTAL - £500 (flights paid)

Christmas 2011 (Target £1000):

January 2011 - £20 (ASDA)
March 2011 - £124 (ASDA)
April 2011 - £90 (ASDA)

ceebeeby

June 2011

Start of 2011 Total = £92,772.00
End of January Total = £91,355.17
End of February Total = £92,694.00
End of March Total = £91,443.27
End of September Total = 91,315.99

Current: XXXXX

CC1 - (interest 1.52% monthly / limit £6,700)
Outstanding Debt = £6518.06
CC2 - (interest 0% monthly / limit £8,400)
Outstanding Debt =£3,797.07 - 297.07 =£3,500 + £600 = £8,198.82
CC3 - (interest / limit £2,400)
Outstanding Debt = £2352.54
Catalogue Account - (interest 0% / limit £5,400)
Outstanding Debt =296.93
Loan 1 - Bank (interest = 14.9% / initial amount = £18,000 / buy-out amount 01/03/11 = £13,588.37) Outstanding Debt = £16,556.14 (53/96 months remaining)
Monthly Payments = £312.38
Completion date of loan = 1st February 2016
Loan 2 - 1st Plus (interest = 7.7% / initial amount = £62,000 / buy-out amount not known)
Outstanding Debt = £48,100 Monthly Payments = £740.00
Completion date of loan = 1st February 2017
Loan 3 - GE Capital (interest 13.9% / initial amount = £5682.23 / buy-out amount not known)
Outstanding Debt = £1588.50 (15/66 months) Monthly Payments = £105.90 Completion date of loan = 15th December 2012

Owed to Mum = £2155
Owed to Gran = £1000

Overdraft 1 = £1,450
Overdraft 2 = £3,100

It is now all laid bare - there are no more hidden debts anywhere! Oh my goodness - I am scared to see this all written down!

ceebeeby

1. Climb a mountain now extended to Climb every Munro in Scotland!
2. Walk the West Highland Way
3. Milk a cow
4. Shear a sheep
5. Learn to tell if a glass of wine is yummy or vinegar
6. Learn to juggle 3 balls
7. Learn to give a proper back massage
8. Host a party in a castle
9. Create my own ‘signature dish’
10. Develop a ‘party piece’
11. Learn to sing one song in tune, and make it ‘my song’
12. Learn to dance one dance and make it ‘my dance’
13. Wash my hair in a waterfall
14. Meet a senior politician and have a debate regarding something I feel passionate about
15. Be a size 12-14 for at least 10 years (start date of being size 12 = 01/12/10 .....)
16. Ski down a black-run
17. White Water Raft
18. Canoe on open water
19. Play a round of golf
20. Tick 10 things off of other peoples' bucket lists
21. Go and see a personal shopper and get advice on a whole outfit … and then buy it!
22. Write a children’s book and publish it on the internet
23. Get my Holiday Licence
24. Help deliver a baby (human or animal!!!)
25. Snorkel on the Coral Reef / Pearl dive in Tahiti
26. America

- Watch a shuttle launch
- Ride a stallion in Texas
- Visit Dollywood in Tennessee
- White water raft in the Grand Canyon
- Place a $50 bet in Vegas
- Be an extra in any Hollywood Movie
- Meet an Eskimo, Penguin and Polar Bear!
- Stand at the edge of Niagra Falls
- Help Mickey Mouse entertain children
- Travel route 66 in a motorhome
- Attend Mardi Gras in New Orleans

27. Africa

- Stand at the top of Table Mountain
- Scuba with sharks
- Visit the tanzanite mines in Tanzania
- Climb Kilimanjaro
- Go to the Souks in Marrakesh
- Visit the Valley of the Kings, Luxor
- Climb Sinai (walking!!)
- Help out in a children's clinic / school / hospital

28. Europe

- Window shop in the Faberge Store, Moscow
- Pay my respects in Auschwitz, Poland
- Ride a gondola, Venice
- Visit Lands End
- Visit John O’ Groats
- Dance on the Giants Causeway
- Kiss the Blarney Stone (!)
- Drive the ring of Kerry
- Stand at the top of the Gib Rock

29. Be debt free before I’m forty … ish!!!
30. Retire somewhere warm before I'm sixty ... ish!!!

ceebeeby

Project 1

Make My House Better 2011

1. Fix all the fences / paint all the fences
2. Turf the remainder of the lawn
3. Repair the sealant on windows, strip the windows and re-varnish

Project 2

Scarf Knitting for Xmas 2011 :xmassmile

1. DD1
2. DD2
3. DD3
4. BF

Project 3

Create Stockings for Xmas 2011 :rudolf:

1. DD1 (h)
2. DD2 (h)
3. DD2 (h)
4. DS
5. DH
6. BG (h)
7. Gran
8. Granny
9. Mum
10. Step-Dad
11. Brother
12. S-I-L

Stocking Content Ideas:

a) personalised / home-made christmas tree decoration (pictures on baubles)
b) home-made bag of sweeties / cookies
c) memory note-book for 2012
d) small photo in a frame from 2011
e) key-ring
f) nail-varnish / lip gloss for girls
g) flannel
h) nice socks
i) mini bottle of wine or beer or whisky for adults
j) mini game (cards etc.)

ceebeeby

Happy New Year!!

Day 1 (Year 2) - Saturday 1st January 2011

Money Spent Today: £nil
Crap Eaten Today: Sweets, biscuits and cakes
H/L Score: 8/10
Weekly Weigh In at WW (Target 10st, 10lb) Last Weigh in 11st, 0.5lb - still to go 4.5lb
Exercise: nil

Woke up after a fab party that didn't finish until the middle of the morning (!)
Came home and sprung clean whatever needed cleaning, and decided to make an inroad into my new diary!

Now - I know I totally blew the last fortnight of 2010, so I have a whole year to make sure that never happens again (!) I will close down the last thread properly, seeing as there was a good 23 pages in there of fab advice and some good achievements so far.

Looking forward to working with everyone this year again, and to making lots of dreams come true, lots of debts reduced, lots of fun along the way - welcome my going for it in 2011!!!

ceebeeby

Day 2 (Year 2) - Sunday 2nd January 2011

Money Spent Today: £30 Sainsbugs on Rubbish (and some bargain chicken)
Crap Eaten Today: More stash sweets; cake and a biscuit
H/L Score: 6/10
Weekly Weigh In at WW (Target 10st, 10lb) Last Weigh in 11st, 0.5lb - still to go 4.5lb (next weigh in 10/01)
Exercise: nil

Up early after an uncomfortable sleep on the brick (new bed which I loathe!). Out in the morning sunshine to church which was lovely, seemed to have missed loads by missing last Sunday, but was nice to catch up with everyone. After church, popped in to Grans to fix TV after it broke (again) seems to be my main purpose in her life - fixing her telly! Stopped in Sainsbury to buy her a cake and flowers for first footing and ended up spending a fortune in there on unnecessary rubbish (oooops).

Have spent ages tidying up last years threads and closing down goals etc. and generally reflecting on 2010. It has made me determined to be as organised this year as I was last year!

I might need to have a new goal of staying away from "Qucik, grabbit whilst you can" until next October!

[Deleted User]

Fantastic idea to put everything on your first page - I'm sure you'll achieve more in 2011

ceebeeby

Day 3 (Year 2) - Monday 3rd January 2011

Money Spent Today: £nil
Crap Eaten Today: Chocolates off of the cream, the last ice-cream in the freezer!
*H/L Score: 8/10
Weekly Weigh In at WW (Target 10st, 10lb) Last Weigh in 11st, 0.5lb - still to go 4.5lb (next weigh in 10/01)
Exercise: long walk in the park; housework

Another fractious sleep - have now freebled for a new bed - eek!

Took all the Xmas rubbish to the recycling centre, took down the decorations and had a general house tidy.

Went for a super long walk in a new park - fabulous!

Caught up with all the ironing (and other meaningless chores!!)

Trying to organise another of my famous "mini trips" for DH's birthday - but proving a bit beyond budget at the minute, so fingers crossed for some bargains!