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

Eltee12

Eltee12 wrote: »

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!

Curses! Forgot the last couple of paydays included backpay to last August for HUGE 0.4% payrise so was actually down this payday , even taking into account tax increase.

mutter ...... mutter ..... mutter .....swearword.... mutter..... update blooming spreadsheet

jwil

:wave: *delurks*

:mad: To reduced pay packets.

*re-lurks*

Eltee12

Might have to recombobulate credit card debt-free date back up to 2015 due to aforementioned not-as-well-off-as-I-thought-I-was pay packet disappointment (bah etc.). Need to decide if carry on paying as I'd planned and go into overdraft a few months down the line or reduce payments on credit cards - although still overpaying.

decisions, decisions. need to go off and think.

On the home front - OH and I had a nice clean up downstairs (as in the downstairs of our house, not our own personal 'downstairs' IYSWIM :rotfl:) over the weekend and I cleaned the downstairs windows and washed the nets. just the bedrooms to do next weekend.

was nice to be able to see through the windows

Eltee12

After consulting spreadsheet, have decided to carry on with payments & overpayments as they are now, until the end of the year, even though it will send me into overdraft territory. Have got 2 credit cards which run out of 0% in October and November, so will revisit situation in September - I think.....

Eltee12

Eltee12 wrote: »

After consulting spreadsheet, have decided to carry on with payments & overpayments as they are now, until the end of the year, even though it will send me into overdraft territory. Have got 2 credit cards which run out of 0% in October and November, so will revisit situation in September - I think.....

Following a good night's sleep, the above has now changed! (I should go into politics with all this u-turning). Decided I didn't want to go into overdraft territory if possible, so will overpay a bit less than I do now.

Having re-re-recombobulated spreadsheets, I find that my new DF date - including the Mortgage - will be July 2014 and that's if I don't find a new 0% home for the cards.
Not as bad as I'd expected.

Onwards & downwards........:)

jwil

Glad it's not as bad as you thought!

Eltee12

Right, finally got my head sorted (ish) and I have 38 paydays to my predicted cc debt-free date of July 2014. This is assuming I leave them all where they are and don't move them when the 0% runs out. AND assuming they will revert to 18%.

So, taking the above into account, cards will be finished thusly:

Virgin - - - - - -0% ends Nov 2011 - last payment 8th Apr 2012
Barclaycard -- -0% ends May 2012 - last payment 4th Jul 2014
Santander - - - 0% ends Oct 2011 - last payment 5th Jun 2014

of course, if I can bag a couple of new 0% deals.............

El

Eltee12

managed to lose my extra goals for May 2011, I think they were

• get windows cleaned, inside and out - DONE DOWNSTAIRS 1st May
• finish decluttering clothes & shoes
• pack up rest of Winter doings and put in loft
• sow veg seeds
• sow flower seeds
• deep, deep, deep clean & declutter our bedroom

Eltee12

Eltee12 wrote: »

managed to lose my extra goals for May 2011, I think they were

• get windows cleaned, inside and out - DONE DOWNSTAIRS (inside & out) 1st May........DONE UPSTAIRS INSIDE 6th May - just need to sort outside upstairs out.
• finish decluttering clothes & shoes
• pack up rest of Winter doings and put in loft - doings packed waiting to go in loft
• sow veg seeds - sowed more salad leaves
• sow flower seeds
• deep, deep, deep clean & declutter our bedroom

plod plod plod - feeling a bit blllerrrrg due to cr*ppy night's sleep worrying about work and OH's lack of work, and DS's lack of work,and yet anotther 3 years of paying off credit cards. fed up..... need to shake myself out of it and remind self not in poorhouse yet, bills being paid, cc being paid off etc. etc. etc.

plod plod plod - think will walk about for the rest of the day, dragging feet and muttering to self....should get me a seat to myself on the bus home !

plod plod plod, are we there yet?

Eltee12

managed to get to sleep last night BUT woke at 3.50 and couldn't get back to sleep - except for about 10 mins before alarm went offof course. so am even more bleary eyed than yesterday. Bah

On a good note - May credit card payments = £285 , so am over target for monthly goal
yaaaay

only 37 months to go

plod plod plod