Eltee comes in from the cold......

Eltee12

I've had to delete some of my posts because I think I may have been sussed by people who know me.

chevalier

Hi there welcome to diaryland. Well done on shredding the cards. BUT make sure you also close the accounts as well, as this will improve your credit card scores in case you need to balance transfer any debt later on in the year.

have you done an SOA?
chev

jwil

Good luck with the debtbusting eltee!

Eltee12

Morning

just popped in to say that yesterday I updated my speadsheets and discovered I'm in position to overpay £100 per month. so, quick as a flash after work, I went to the bank and set up a standing order to pay £100 to MBNA starting 8th April !

It will knock at least 6 months of my credit card debt free date - will be mid-2014 instead of early 2015 - hurrah! :j

Eltee12

....since my last diary visit.

just spent ages rambling and listing March successes and April goals, computer went loopy and lost it all

nevermind, here we go again – much shorter version


I’ve decided to focus on the positive things in my life and stop obsessing about my credit card debt. Granted, I am the only one earning a regular income, in a household of 3 adults, but the bills are all paid, we have a roof over our heads, clothes to wear and food to eat.

Also, only 30 months until credit card debt free – yaaaay.

March successes




Finances

• Paid £166.48 off credit card debt
• Shopping bill – between £80 & £100 per week, down from £100-£120 a couple of years ago
• 0.4% payrise – woo hooo – spend, spend, spend !
• 4 NSDs & 2 LSDs

Health

• Lost 4.5lbs
• 18/31 Alcohol Free Days – very pleased, was aiming for 15/31

Home & Garden

• House looking much nicer thanks to Flylady activities
• Renewing interest in garden
• Growing own salad leaves & herbs

Targets for April




Finances

• Pay £300 off credit cards
• Reduce weekly shopping bill to between £75 & £95
• 10/30 NSDs/LSDs

Health

• Lose 5lbs
• 15/30 AFDs
• Follow Couch to 5K 9 week running plan - starting tomorrow

Home & Garden

• Continue Flylady-ing
• Get windows cleaned
• Plant up lovely flowers

EL

Wordsmith

Hello, Eltee. Welcome and good luck. Sounds like you have good plans and are doing well on cutting down/out etc. But - have I missed something? - are neither your son nor your OH getting any benefits?

Eltee12

HI Wordsmith

Sorry , had to delete my reply.......secret identity has been compromised

Eltee12

Eltee12 wrote: »

Targets for April







Finances

• Pay £300 off credit cards

Paid £299.85 - April payments all done now!

29 months to go.......



E.T.A. - made a sneaky £5 payment, taking April payments to £304.85

caledonian_princess

Eltee, you're doing great and sounding so positive about it all too. I'm sure Mr E will be sad about winding up his business but he may find it liberating not to have to worry about it any more and he can start to look at different ways to earn.

Good luck

Eltee12

Thank you caledonian princess - I'm sure it's all for the best. TBH I think he actually looks a bit less stressed these past couple of weeks. He signs on tomorrow

Happy Easter to anyone reading/lurking (I lurk a lot and read as many diaries as possible - very inspiring) - am off work until after Easter, visiting family for a few days.





EL

Eltee12

Reasons to be cheerful

• Bills being paid,
• roof over our heads,
• food,
• clothes
• credit card debt

all bought and paid for, not in the poor house yet. Also, should be getting a bit extra in paypacket due to personal tax allowance increase (although will lose a bit due to NIC increase!). Depending on how much it is, I plan to divvy it up between paying more off CCs and perhaps have an evening out once a month!

EL