£25,000 to clear. Ready...steady...GO

kerri_dfw

Banwa, why did you buy the sky hd box? Do you watch a lot of television and how long is the contract? I've always found Sky to be a bit of a waste of money on the basis that it's just repeat after repeat and I can get most of what I want from freeview or freesat.

That being said, you are allowed a bit of luxury and if they mess you around you can always get them to lower your payments

Beencounting

Hi Banwa

I'm with you on the Sky box. As you know, we went over to Freeview a few months ago, and, although I'm not a big tv fan, I find the choices very limited and 'samey'.

We'll be carrying on with the Freeview, I think, but tbh there is a debate currently going on here about getting Sky back for Christmas.

Been

banwa

Itsadogslife, Knitting Nora, kerri_dfw and Been, that was sufficient telling off without being mean. :AIt is a bit norty indeed, but wow, HD is brilliant. No regrets.:D I've lost count of the times I have said 'how good is that?'

Haven't logged on for a few days again, and I can tell because spends are through the roof

Debenhams £15 (Christmas present - cream for Mum)
£1 - poundland - Christmas decs
£7.70 laura ashley (christmas present -necklace)
The range £10 - (Christmas decs)
Sainsbury £16 Christmas presents, £8 groceries
Charity shops £3.99 on christmas cards £1.79 hankies
38p on bread
£1.25 sandwich at work
haircut £18 (mr Banwa)
Christmas presents £25 (jars for sis)
diesel £32
Christmas baubles £15
£2.58 Christmas presents (beer for Dad) +£4 CP (mao for Dad
Aldi groceries £6
£42 Christmas (theatre tickets)
Bringing me right up to tonight
£8.50 stamps
£15 groceries




Good Things since I last posted:j

• Most of Christmas shopping now done

Bad Things since I last posted:exclamati

• An astonishing £232 spent
• Will definitely miss my stretch target of reducing debt by £2k by Christmas. If we are lucky we will maintain our current level. At least we won't be further in debt though

banwa

Good Things since I last posted:j

• Virgin sent letter to Mr Banwa offering him 0% cash transfer for 4% fee so we have now transferred the horrible overdraft to that. So we now have everything except 1 card at 1% and car loan on 0%
• Am doing a Good Job of eating all the stuff that has been in the freezer for ages, do need to do a good shop and get some Christmas treats in

Bad Things since I last posted:exclamati

• We have now entered the most expensive two weeks of the year. Christmas and MOT. AND Mr Banwa is going out tonight with his cash card, unsupervised :eek::rotfl:

Spends

• Christmas decs £5.50
• Alcohol £30.50 (family celebration)
• New jumper £3
• Christmas presents £31.50
• Petfood £6
• Toiletries and cleaning £6.50
• Mr Banwa's ridiculous Christmas present (part of a deal we struck in the summer, half paid for by ebay sales) - £290:eek:

Hope everyone else is okay, and not being discouraged by repayments being slowed by Christmas, we can Crack On in the new year:T

debtfreewannabe321

• Virgin sent letter to Mr Banwa offering him 0% cash transfer for 4% fee so we have now transferred the horrible overdraft to that. So we now have everything except 1 card at 1% and car loan on 0%

:jthis is good .....


Have you cancelled your overdraft now that is has transferred to a CC otherwise you'll be tempted to spend on it :eek:

banwa

debtfreewannabe321 wrote: »

• Virgin sent letter to Mr Banwa offering him 0% cash transfer for 4% fee so we have now transferred the horrible overdraft to that. So we now have everything except 1 card at 1% and car loan on 0%

:jthis is good .....


Have you cancelled your overdraft now that is has transferred to a CC otherwise you'll be tempted to spend on it :eek:

It is tragic that I am looking at this at 11 30 pm on a Saturday night. I've just worked out that we will dip £600 back into the overdraft from 1st - 21st January so will reduce it for now, and then get rid of it on 22nd January:j.

So it will be up to you guys to keep me on the straight and narrow so I don't 'borrow' any money from it. No pressure;)

Beencounting

banwa wrote: »

Bad Things since I last posted:exclamati

• We have now entered the most expensive two weeks of the year. Christmas and MOT. AND Mr Banwa is going out tonight with his cash card, unsupervised :eek::rotfl:

Likewise! Mr Been (ha ha, so apt!) was out with dr card unsupervised last night also. He hasn't surfaced yet, but he's going to be nursing a big hangover all day :rotfl: Will check the bank account later for evidence of naughtiness .

Been

Knitting_Nora

banwa wrote: »

So it will be up to you guys to keep me on the straight and narrow so I don't 'borrow' any money from it. No pressure;)

*flexes muscles and cracks knuckles* righto missus!

debtfreewannabe321

Knitting_Nora wrote: »

*flexes muscles and cracks knuckles* righto missus!

:rotfl:ummm yep what Nora says *makes mental note not to get on Nora's bad side*

banwa

Beencounting wrote: »

Likewise! Mr Been (ha ha, so apt!) was out with dr card unsupervised last night also. He hasn't surfaced yet, but he's going to be nursing a big hangover all day :rotfl: Will check the bank account later for evidence of naughtiness .

Been

What was the damage then?:D

Knitting_Nora wrote: »

*flexes muscles and cracks knuckles* righto missus!

debtfreewannabe321 wrote: »

:rotfl:ummm yep what Nora says *makes mental note not to get on Nora's bad side*

*Gulps nervously*


Things to do today

• Ironing
• Wash bedding
• Fetch all presents together and get old wrapping paper out of the loft
• Food shopping including some treat food. Keep under £50
• Fix door handle on to door
• Clean house
• Saw and replace kickboard under dishwasher (Mr Banwa)
• Start wrapping presents
• Sort out unruly eyebrows

I will report back later on my progress. Get that norty stick ready;)