£25,000 to clear. Ready...steady...GO

banwa

I am going to try and post debts every month. Payments come out 1st - 14th (I'm going to try to change them all to 1st by next year) so 14th seems a good day to do it.


Virgin - Mr B ....................£ 2,224.93............ 0% until July 2013
Virgin Mrs B part I........... £ 855.81............... 0% until 15/03/2013
Virgin Mrs B part II...........£ 3,097.00............ 0% until July 2013
Tesco car loan .................£ 608.00................ 2 more payments
overdrafts (3)...................£ 2,100.00.............. (paying £60+ per month in fees - aaargh)
Barclay.............................£ 1,010.00............... (10 more 0% interest payments of £101)
Santander........................£ 42.54 18.9% -...... last payment to this next month
Natwest............................£ 2,553.09.............0% until…December 2012
RBS...................................£ 5,489.51 .............0% until end April 2014

Total................................ £17980.88 ...............28% paid since 08/10/2011

PinotGrigio41

:j:j:j:j:j Yey !! Whoop Whoop and all sorts of lovely excitable words are winging their way to you ! :j:j:j

So pleased to hear of your lovely birthday presents ,the job and good news about your sister. Fantastic !

Onwards and upwards then from here, am looking forward to your Good Things and Bad Things postings, I really enjoy them !

rising_from_the_ashes

• Mr B got permanent job
• Mr B is home more
• Have cut expenditure even more by cutting down on meat and alcohol
• Running 6 miles regularly now, and swimming a mile in 35 mins
• As a result of above 2 points, am a stone lighter and feeling v healthy.
• Sister much improved.
• Job going really well. Next obvious move, which my boss says I am ready for and might happen as early as January, is shift manager at £40k!

Wow!:j Banwa, reading the above list is absolutely wonderful - you're sounding so much more positive and happier :j:j


Fantastic news about Mr B's job and fingers crossed for your new one .Really pleased to hear your sister's on the right road too:T

banwa wrote: »

Tesco car loan .................£ 608.00................ 2 more payments
overdrafts (3)...................£ 2,100.00.............. (paying £60+ per month in fees - aaargh)

If you can fling the car loan money to the OD once it's finished, you'll be able to get rid of it really quickly :j - worth it 3 / 4 months & you'll then have nearly £670 / month free!:T

banwa

Ah Pinot, I am going to try and post Good and Bad every day even if I have not a lot to say, to help my focus. I've found it quite useful to look back to see what I was doing this last time last year without having to read my own waffle:rotfl:

rising_from_the_ashes wrote: »

If you can fling the car loan money to the OD once it's finished, you'll be able to get rid of it really quickly :j - worth it 3 / 4 months & you'll then have nearly £670 / month free!:T

That's the plan. Can't believe how much more positive I feel, for the first time in about 2 years I am not worrying about Mr B's work. It's pretty liberating.

banwa

Good Things since I last posted:j

• Have cleaned out the loft as promised. Wow we had (and mostly still have:o) a load of cr*p
• Loads of stuff in boot to do car boot sale
• House is clean
• All ironing is done
• Resisted urge to buy a striking landscape print from the local art gallery (we have a trade supplier who opens to the public once a year with bonkers low prices)
• Also resisted urge to get fish and chips, despite Mr B having a sad face when I said no. It is rarely worth the money-guilt and never worth the lard-guilt

Bad Things since I last posted:exclamati

• Am v temped to just take contents of car boot to a charity shop; it's all nice stuff that I don't want to see go to landfill, but really don't want to stand in the cold for hours while people haggle over 50p
• V tempted to go and get the print (£45). Mr B being very snobby, just because we have a some 'proper' art now he doesn't think we should waste time on prints and would rather wait til we are solvent and add to our collection. I just like the print.
• Haven't exercised since Thursday and not nearly enough this week in total. Plan is to start in ernest again next week (I'm on holiday from work this week)

Goals from Monday

1. Start logging all spends again.
2. All food/alcohol/cleaning etc spends to be kept with £50 for week
3. 20 miles of running, 1 mile swimming
4. Limit myself to 100g choc for the week and 10 biscuits
5. Eat an apple and 2 carrots a day
6. Drink 3 pints of water at work each day
7. If weather is good, do the car boot sale
8. Current weight = 9st 10. By Friday this will be 9st 9

hillside777

It's lovely to see you posting again. I'm so pleased as I missed your posts. :T:T :j:j

If you want any more ironing let me know. I have some left to do.

banwa

Bonnington - thank you for the lovely post. Now step AWAY from the iron.

Good Things since I last posted:j

• Went to awesome Christmas fayre and didn't spend too much and had a nice time
• Have bought another Christmas present, my third.
• Resisted print
• Have some very sharp knives:D (see below)

Bad Things since I last posted:exclamati

• Still no exercise. Although I did vow it would start again on Monday
• Gave in to fish and chip temptation:o
• Spent unauthorised money (see below)
• Haven't been food shopping so fridge is pretty bare.

Spends

• Christmas fayre entry £8
• Christmas present 1 knife sharpener, and 1 knife sharpener for us. £15 each. Money well spent because it has made my knackered old knives like samurai swords
• Fish and chips £11

PinotGrigio41

Best Mr Banwa behaves himself then with those Swords around !! :rotfl:

banwa

PinotGrigio41 wrote: »

Best Mr Banwa behaves himself then with those Swords around !! :rotfl:

He is bringing me a cup of tea as we speak:D


Good Things since I last posted:j

• Week has started well
• No naughty chocolate treats at work
• Ran 6 miles (01:03:00) with 2 lovely girls from work (and Billy the dog)
• Ate apple and carrots
• Drank the three pints of water
• Healthy prawn and sweet potato and cauliflower curry for tea that was yummy and v filling
• Got a v nice compliment from my boss today (a work-related compliment, nothing inappropriate:eek:)
• NSD

Bad Things since I last posted:exclamati

• Didn't lift share so that I could have an extra hour in bed:o(well also so I could go running after work)

Spends

• None

Weight 9st 10

banwa

Good Things since I last posted:j

• Still no naughty chocolate treats at work
• Ate apple and carrots
• Drank the three pints of water
• Healthy gingered chickpeas for dinner
• NSD
• Lift shared
• Despite Mr B being rubbish, got his Mum's birthday card sent on time
• Lovely girl from work brought in soup for us all. Going to make pea and ham from some out of date peas and whoopsied ham I found:D
• Payday tomorrow and there is still available funds in the account!
• Santander have sent me a letter saying they've noticed my balance is nearly gone (observant) and offered me 0% until September. That's not that long really but at least there would be no applying and we do need to transfer Mr B's Natwest card balance next month. It does mean that apart from £200o ish with Virgin EVERYTHING would be in my name. Bit scary but at the same time I trust Mr B after 10 years, and I am more organised and I would have more control. Not that I am a control freak, you understand.

Bad Things since I last posted:exclamati

• No exercise today
• Ate large sticky pastry. On plus side it was a whoopsied one

Spends

• None

Weight 9st 11 (I'm blaming the pastry)