Moooooving back to DFW - one Fresian's continued adventures in debt-busting

rising_from_the_ashes

flying_fresian wrote: »

Total amount outstanding on my loan is £268.82 so it's getting paid off today. I'm going to use my interest-free overdraft and just PAD to that for a couple of months. At least that way it's costing me less

:j:jYay! How lovely to know that the gorgeous Fred is .... all yours!:D

Housework*Fairy

I can't believe you have paid for him so quickly - that is awesome.

Lurker1972

You are incredible woman, well done

Souk08

Great news, well done you X

scubaangel

Incredible! Well done, on getting him fully paid for so quickly bet it feels even better driving now Fred is all yours.

mooomin

Thanks all I'm very pleased that it's finally gone and will rejig the SOA accordingly.

I now have £268 to clear in terms of overdraft, but knowing me that won't take too long :rotfl:

mooomin

Money in:

Wages - £1310

Money out:

Mortgage - £214
Council tax - £118
Union deduction - £10
My phone - £40
Mr F's phone - £25
Gas/electric - £60
TV Licence - £13
Home insurance - £17
Virgin media - £38
Current account fee - £8
Petrol - £100
Holiday savings - £20
Gym - £13
Moggy fund - £40
Entertainment - £90
Christmas/birthdays - £40
Car fund (for MOT, insurance etc) - £100
Food - £190
Second purse - £20

Total outgoings: £1156

Surplus: £154

So, the main changes are the lack of a loan (woo!) and that the car fund has gone up to £100 per month. I've increased the cat fund to £40 and my entertainment budget to £90, but this is finally going to include a monthly amount for crafting as at the moment this is unbudgeted and comes from my spends account. I'm joining a monthly craft club online where I have to commit to a spend of around £30 per month, so paying off the loan has definitely come at the right time

tomtombeanie

Well done, FF! As always, you're a woman with a Plan - you rock

Shoe_Gal

Amazing -well done you! :j

mooomin

Money

PAD/Spends - £45
Entertainment - £32.61
Car fund - £94.89
Groceries - £79.87
2nd purse - £48
Moggy money - £70
Loan balance - Nil
Overdrawn by - £265.02
Savings - £270

Hmm....could do better I think.