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We are about to pull the purse strings soooo tight!

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  • amber03
    amber03 Posts: 1,360 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Photogenic
    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 £140.00
  • 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.

    Xx
    DMP 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 2021
  • Thanks amber, very true. Had a bit of a blip the last few months but getting bsck on track.

    Xx
    DMP 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 2021
  • 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:

    Xx
    DMP 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 2021
  • 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.

    Xx
    DMP 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 2021
  • 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.:(

    Xx
    DMP 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 2021
  • 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.
  • Happy New Year Alice, hope 2017 is a good one :beer: xx
    Mummytogirls x

  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Great to see you back posting....:j :j and your mojo is definitely back!! :D

    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 x
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    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::T
  • CP2016
    CP2016 Posts: 105 Forumite
    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 Morris
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