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We are about to pull the purse strings soooo tight!
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Just remember whatever you post for 2017 will be less than what you posted last year.x:j Debtfree and and staying that way.:j3-6 month emergency fund, No.61 £140.000
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Hi CP2016, thank you for your kind post. I admire your stamina reading my diary.:)
Loo seats, can openers and irons!! All OK at the moment touch wood. Good luck with your journey to becoming DF. That's a great achievement to get down to 16.5k.
XxDMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Feb 21 0 Self managed from Jan'17
Jan 18- Bcard1 £0,Bcard2(PRA) £0,C@ptl £0,Ybank,£0,Virgin/MBNA £0,YB1 £0,S@ntader £0,Bcard loan £0,
DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD 28 Feb 20210 -
Thanks amber, very true. Had a bit of a blip the last few months but getting bsck on track.
XxDMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Feb 21 0 Self managed from Jan'17
Jan 18- Bcard1 £0,Bcard2(PRA) £0,C@ptl £0,Ybank,£0,Virgin/MBNA £0,YB1 £0,S@ntader £0,Bcard loan £0,
DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD 28 Feb 20210 -
Today we've visited family, been fed lunch and dinner. I feel so full tonight, quite uncomfortable really. I'm going to get back healthy eating tomorrow, with just a small tipple tomorrow night.
We are taking the tree down tomorrow. Got friends and family coming tomorrow for NYE. Still got alcohol and will make a chilli, rice, jacket pots, cheese and beans.....cheap and cheerful.
Have started to get my new spending diary/budget ready....can't wait. Going to track NSDs as well. OH got paid 3 weeks money before Christmas so he doesn't get paid until a week next Thursday.
Pegged out again today, crazy lady. With the house having so many people coming and going I just don't want washing hanging around the house.
Did meter readings this morning, we are £63 in credit. We have used £93 in 4 weeks.:eek:
XxDMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Feb 21 0 Self managed from Jan'17
Jan 18- Bcard1 £0,Bcard2(PRA) £0,C@ptl £0,Ybank,£0,Virgin/MBNA £0,YB1 £0,S@ntader £0,Bcard loan £0,
DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD 28 Feb 20210 -
Well here goes, figures!!
Jan 2016 balance was £16839
Jan 2017 balance is £14415
Bcard was £5190 now £4823 (:mad: interest!!)
PRA was £1222 now £1126
PRA was 572 now £203
Cabot was £4172 now £3651
Capital was £3010 now £2630
Santander was £965 now £811
Bcard loan was £1256 now £800
When you break them down like this it looks so much more manageable.
I am so going to beat this debt.
XxDMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Feb 21 0 Self managed from Jan'17
Jan 18- Bcard1 £0,Bcard2(PRA) £0,C@ptl £0,Ybank,£0,Virgin/MBNA £0,YB1 £0,S@ntader £0,Bcard loan £0,
DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD 28 Feb 20210 -
Today we've been to town, supermarket and petrol. Spent £30 in town, £43 in supermarket and £25 petrol.
Cupboard, fridge and freezer are full. Meal plan sorted for this week.
Back to packed lunches on Wednesday.:(
XxDMP with CCCS started Jan12 £34,906 Jan13 £31,893 Jan14 £26,836 Jan15 £21,894 Jan16 £16,839 Jan17 £14,415 Jan19 £12,938ish Jan19 £9,649 Jan20 £6612 Feb 21 0 Self managed from Jan'17
Jan 18- Bcard1 £0,Bcard2(PRA) £0,C@ptl £0,Ybank,£0,Virgin/MBNA £0,YB1 £0,S@ntader £0,Bcard loan £0,
DFD - [STRIKE]Jan 2027[/STRIKE] [STRIKE]Nov 2018 [/STRIKE][STRIKE]Jan 2019[/STRIKE] - DFD 28 Feb 20210 -
Great figures there Alice:T:j
I can see a few of those debts being paid off this year
Just remember that by the time you come near to the end of Bcard you could offer a full and final and not pay all the interest they have charged.0 -
Happy New Year Alice, hope 2017 is a good one :beer: xxMummytogirls x0
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Great to see you back posting....:j :j and your mojo is definitely back!!
Sounds like you've had a good Christmas...really pleased about that as know you needed the lift.
Here's to a great 2017 and yes let's beat the debt!!
Brizzle xMFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
Happy New Year Alice.
Great numbers and looks as if you'll have at least one less to report on at the start of 2018 too. You've come a long way since you started the diary, you must be pushing £25k repaid with the car loan included.“Have nothing in your house that you do not know to be useful, or believe to be beautiful.”
Wiliam Morris0
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