Moving south for winter

FlacosFloozie

Well, I've been missing in action again, haven't I?

The debt is now sub 3K which last happened in 2005 . What's even better is that I should be getting some unexpected back pay from work at the end of this month. This means I am really, really close to the finish line. Being debt free is within reach, I just need to not stuff it up now.

I have two danger zones. One is relaxing off and frittering money (didn't do enough batch cooking this month- result lot of takeaways last week) the other is throwing everything at the debt to 'clear' it and then leaving myself short so I have to borrow to finish the month.

I need to be sensible and keep paying off steadily. If I don't clear it all this month I will clear it next, this is okay. If its only a small amount to pay then I can use the savings but I need to keep an emergency fund.

FlacosFloozie

I'm itching for payday to arrive tomorrow I can't wait to find out how much extra I can shift off the debt. I was debating using some of the savings to get totally debt free but I think I'll keep them safe and wait til next month for my final payment (hopefully).

I've downloaded the YNAB trial and I'm hoping I can use that to keep things on track long term. I know the temptation is going to be there to splurge once we're debt free but I'm hoping I can keep it modest.

I've been thinking a lot about longer term goals the last few months to keep me on track. I want to stary saving for a house deposit. I'd also like to increase my pension and get one started for Mr F. His car is going to need changing for something a bit more suitable for his job long term but we're going to need to negotiate on that one. He mentioned a 4x4 the other day :eek: He did try to reasure me that he was looking at a buget model but that's still over 10k! If that's what he really wants he's just going to have to be patient :rotfl:

FlacosFloozie

Fate is conspiring against me tonight. I have money in my bank account but my debit card has been pulled for a random check. I can't ring them til tomorrow so I can't pay off the CC. Its the first of the month and I don't get to edit my signature.. wahh...

FlacosFloozie

Okay the debit card is working again, so between regular payment and the unexpected extra pay I've just paid off £2000 :j
My debt now stands at £840.72 and will be £0 by this time next month. The savings now outweigh the debts which is such a good feeling

FlacosFloozie

My credit card statement arrived today. I don't know when it was last in 3 figures. I've also got the figures for car insurance renewal and NT membership which get paid next month.
I've plugged it in to YNAB and, as long as I'm careful, I can actually do this. In a little over a week I will be debt free.

FlacosFloozie

Have stayed within budget so have paid £150 from the joint account. The rest will be payed when I am tomorrow

FlacosFloozie

Well its finally done- I am debt free :j:j:j:j:j:j:j
I dont owe anyone a penny and I have enough money in the bank to make it through the month. In total I've repaid £ 20,701.74 since I started this dairy.
Thanks to all those who have offered support and wisdom. I couldn't have done it without you. :money:

HappyNow

:j:j:jWOWZA WOWZA WOWZA WOWZA WOWZA WOWZA:j:j:j

YOU DID IT!!!!!
WELL DONE FF!!!!!

I was just having a quick off-line catch-up when I saw your news and had to log straight in to say HUGE CONGRATULATIONS!!

Hope you are celebrating in style :):):):):):)

FlacosFloozie

Thank you so much Happy and well done yourself on reaching the 25% mark :j I hope little Miss H and all the rest of the Happy clan are doing well.

Celebrations were very MSE- some sainbugs pre mixed margaritas and yellow stickered indian takeaway .