One step beyond!!!

ragstoricheswannabe

Is it wrong that i was a little jealous of the exreme couponing ladies stockpiles?!?!?! :rotfl:

Yay to the holiday, least it gives you something to look forward to. I lost 2 stone in turkey, all i could eat was chicken and carrot!!! (i was a teen and very skinny at the time!) suppose it didnt help our hotel was on the holidays from hell programme the week before we went!!:eek: I know loads though that love turkey.................

Lemon_Tree

remembers to head to Turkey to help my weight loss programme

Nats great news about booking your holibob, i'm hoping we'll be able to book something (in this country) once we're in our new house.

natsplatnat

LT - Something good to look forward to is always nice! I hope you get moved soon and them you can book a break to look forward to too!

Is it wrong that part of me was hoping that I would catch the stomach bug that was going around a couple of weeks ago?? lol. Just thought it would give the whole weight loss thing a boost!

Rags - that is awful!! 2stone!!!!? I know a few people who have nightmare stories about Turkey, but more that love it!! - We went to another location a couple of years ago and could not fault it at all! This year we are heading to the same region, but about 2 hours from where we were before. As long as the sun is shining - I will be happy!! (thank goodness for T.advisor too!!)

natsplatnat

Morning All!

Well, it's a gloriously lovely sunny day here today - and apparently its due to get nicer over the weekend too!

Have been online this morning to check my banking and shuffle some money around! Another £100 repaid to OH, and my signature duly amended.

I have a celebration of the day I was born coming up soon, and when asked I told my mum I would like some money to put towards getting a proper pair of running trainers and I told my brother I would like vouchers to get some new clothes and OH that I would like some new clothes/shoes. My mum will provide as asked, my brother should get it right, but has been known to have strange flashes of inspiration so I'll wait and see.... as for OH? Last year I asked for clothes / money to go shopping for clothes and ended up with an indoor sky-dive and a bracelet!!! He announced that we are 'away' the night after my birthday.... so who knows what he is up to!??! lol

Through work, I've been offered some FREE boarding to put in our loft. This is great as the boards up there at the moment are old cupboard doors and other oddments and there are not many of them!! It does mean that we need to empty the loft (no easy task) and put the new boards up there. The upside is that we can have a good old sort through and segregate stuff into "to keep", "to bootfair" and "to throw"! We need to dedicate pretty much a whole weekend to this - and sooner rather than later so that we are organised for the bootfair season!!

Right, I had better do some work - I hope the sun is shining where you all are, and you get a chance to enjoy some of it over the weekend!!

Nats x

natsplatnat

OMG! Didn't realise I had been missing in action for sooo long! *hangs head in shame!*

Well, the good news is that I am very much still aboard the debt-free train and chugging along nicely!

Was away in London last weekend so didn't manage to log on to online banking on Friday as usual - logged on yesterday and was surprised to see that I had been paid a little more than usual. Checking my wage-slip for last week (which I hadn't done either) I noticed that my tax code had changed!! I like little surprises like that!! So I am now a little better off each week! (only thing is I am sure that last years code was, and probably this years code is wrong, despite the tax people adjusting it - so I am just waiting for them to realise ... despite me telling them, and then have my code adjusted for the worse!)

Other than that, not a lot to report. Signature is up to date and everything is happeniing as it should!

Need to get geared up for boot-fair season - and I must get some items on fleabay this weekend. Need to raise spending money for the hen-do trip to Dublin at the end of June!!

Right, off to do some work!

Hope everyone is well?

Nats x

Lemon_Tree

hi, and i haven't been around either to come and find you.

woohoo 102 payments left, not long before its in double digits yay!

looks like your interest saved balance is going up, it's always funny how these ideas/concepts suddenly hits us and when we start adding it up it certainly makes the effort worthwhile.

natsplatnat

Hi LT!

I cannot wait to be down to double digits!!! Ideally I would to fast forward to the last payment and be completely done with it all, but I know that is just wishful thinking!!

How easy is the idea of moving money around to reduce the amount of debt interest earnt?? I do surprise myself at how blank I can be sometimes: ok, so last year I was moving money to earn interest - all of about £2.06 in the year, when moving money to reduce debt interest could have 'saved' me in the region of £100! DOH!! Oh well, it's all a learning curve!! lol

Glad you're settling into you new home well!

Nats x

natsplatnat

Good morning All!!

Well it's got to the end of the week again - and PAYDAY!!! (I don't think I will ever get tired of hearing that word!!)

Money is behaving as it should: Standard payments to OH and to my old OD, and then 'extra' money sent to old OD too.

There is £180 currently crossing my bank accounts to reach the savings account (where the surplus from the house account goes and other little bits and pieces). This money is one pound coins that I bagged up out of our change-pot!! Oh, this 'change-pot' is a demi-john.... and encouragingly taking out these £ coins has barely changed the level of coins in there!! I just felt it was silly that they were in this (rather large) jar, when I could get them into the savings account and make a little bit of interest on them!! (this also means that there is enoug money in the savings account to cover the cost of the holiday - just need spends now!!!)

I have finally got my arris in order and got one item on fleabay last night - 10 day listing to end on a Sunday!! I have researched a couple of other items to go on, and taken pictures of another couple! I think it is zero insertion fees this weekend, so I might try and actually take advantage of it this time!! All money raised will be going towards my 'spending money fund' for Dublin at the end of June - Aaagh, not long to go.... definitely need to get selling. Was hoping to do a bootfair this Sunday, but the weather forecast looks abismal - maybe the bank holiday weekend will be better? (wishful thinking yeah?!)

Not sure what else is news really?

Right, had better do some work - hope everyone is ok and you manage to avoid the showers over the weekend!!!! x

Lemon_Tree

natsplatnat wrote: »

Hi LT!

I cannot wait to be down to double digits!!! Ideally I would to fast forward to the last payment and be completely done with it all, but I know that is just wishful thinking!!

How easy is the idea of moving money around to reduce the amount of debt interest earnt?? I do surprise myself at how blank I can be sometimes: ok, so last year I was moving money to earn interest - all of about £2.06 in the year, when moving money to reduce debt interest could have 'saved' me in the region of £100! DOH!! Oh well, it's all a learning curve!! lol

Glad you're settling into you new home well!

Nats x

i did exactly the same thing when i realised that splitting up the transfers from my overdraft account to the bills account across the month saved me at least a fiver a month. i just felt so dense!

natsplatnat

Good payday morning All!

Another Friday!! One more payment down..... only 100 to go!! In another 15 weeks, I will be 50% repaid!!!

This morning I have logged online and moved some more money around - and set up dated payments for the early part of next week to move some of it back again! lol. By shifting money like this, I have managed to reduce this months interest by another £4.58.

I bought £30 worth of change in to work from the huge pot at home, changed it for notes, and transfered the £30 I would have withdrawn today into the saving account - saves me having to go to the bank!!

I have moved some money from the savings account over to my current account so I can make the next payment toward the holiday this evening! I like having the money sitting in the savings account just waiting to pay it off!

2 items now listed one fleabay - one new one last night for 10 days and the first one is due to end this Sunday. No bids yet, but 6 watchers which is a little promising I 'spose! Fleabay is definitely not what it used to be - items used to fly! Both items cost me nothing, so anything I get will be a bonus and will either go towards spending money for Dublin or some new clothes!

That's about it from me for now - have a great weekend everyone!!

Nats x