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Eltee comes in from the cold......
Comments
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Sorry to hear you are feeling rough. Well done on the card payments though, you are doing brilliantly!"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0
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......have done another snowball and new CC debt-free date is 5th Jan 2014 - another 6 months knocked off yaaaaayyyy!
Only 32 paydays to go......2018 AFD 23/240
2018 CCC #11 £38.40/£250
Mortgage-free since 2013
Debt-free since Nov 20170 -
Well done on the DFD, and hope you manage to get the NIC sorted too, it's scary how they can just lose them! Lucky you have all the info to hand."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0
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Finances
- Pay £285 off credit cards - Achieved - PAID £385 ! yay
- Keep weekly shopping bill to between £75 & £95 - Achieved - averaged £88 pw
- 15 NSDs/LSDs per month - work in progress, total up next week
- Lose 5lbs - WI next week
- 15/30 AFDs - work in progress, total up next week -
- Continue Couch to 5K running plan - Part Achieved, got a bit distracted only done 2 dpw for the last fortnight, am back on track now
- Continue Flylady-ing - Part Achieved, sometimes I do, sometimes I don't, sometimes I wonder why I bother when 'them indoors' just muck it all up again
- Keep on keeping on, pay bills - Part Achieved - I keep on keeping on, I pay the bills, I don't have to like it.....
- 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 PART DONE
- pack up rest of Winter doings and put in loft - DONE
- sow veg seeds - sowed more salad leaves and lettuce
- sow flower seeds not yet, hopefully at weekend
- deep, deep, deep clean & declutter our bedroom work in progress. Have managed to clear the ottomon-drobe!
El
oh, just remembered, sold a couple of books.....2018 AFD 23/240
2018 CCC #11 £38.40/£250
Mortgage-free since 2013
Debt-free since Nov 20170 -
Dear Diary (and lurkers)
Feeling much better in myself, emotions a bit more under control although occasionally have a 'moment' which I try to escape to the loo for cos feel unfair if unloading on OH or DS.
Was worrying too much about something at work, which all turned out fine anyway. Ho hum.
Finances- 15 NSDs/LSDs per month - Acheived 10/15
- Lose 5lbs - oops, lost 1.75, still a loss tho
- 15/30 AFDs - Achieved 16 ! currently on day 5 of a 12 AFD stretch
- sow flower seeds not yet, am doing tonight
- deep, deep, deep clean & declutter our bedroom work in progress. Have managed to clear the ottomon-drobe! (and four pairs of shoes put in shoerack!)
June Extras- sow flower seeds
- finish deep clean & declutter of our bedroom
- send off first assignment for distance learning course
- declutter accounts paperwork from living room to 'office' (a.k.a. cupboard in the spare room)
- more clothes decluttering
2018 AFD 23/240
2018 CCC #11 £38.40/£250
Mortgage-free since 2013
Debt-free since Nov 20170 -
....not of financial recovery but of potatoes! hopefully will have a nice supply ready for autumn. carrots coming along nicely too, should be ready next month. salad & herbs still going strong.
AND, have hit the £1,000 mark on my pay of £1,500 in 2011 target. And total debt now in the £7k range.
Think am having a good day today.
June Extras- sow flower seeds
- finish deep clean & declutter of our bedroom
- send off first assignment for distance learning course
- declutter accounts paperwork from living room to 'office' (a.k.a. cupboard in the spare room) DONE! and is only 6th of June
- more clothes decluttering
2018 AFD 23/240
2018 CCC #11 £38.40/£250
Mortgage-free since 2013
Debt-free since Nov 20170 -
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
New snowball shows I should be CC debt-free Dec 2013 ! yaaaaaay:T 29 paydays to go
Virgin - last payment is now March 2012
Barclaycard - last payment now Dec 2013
Santander - last payment now May 2013
Not bad considering initial calc at LBM showed DFD as early 2015, if I carried on as I was.
Fingers crossed
El2018 AFD 23/240
2018 CCC #11 £38.40/£250
Mortgage-free since 2013
Debt-free since Nov 20170 -
Oh no! How annoying about your lunch!
Great news about the snowball - just think, knock 1 more month off and you can have a completely debt free christmas in 2013!!"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0 -
Great news about the snowball - just think, knock 1 more month off and you can have a completely debt free christmas in 2013!!
hmmmmm, tempted to go a bit further into the overdraft.......must do thinking.......
Apart from that Dear Diary, nothing has happened2018 AFD 23/240
2018 CCC #11 £38.40/£250
Mortgage-free since 2013
Debt-free since Nov 20170
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