10 months in and 90 left to go ... the reality is starting to kick in :)

elantan

i was at speakers club Butti so missed it sadly

wages in bills i can pay online paid, the rest will come out in the next few days, then the savings at the start of next month.

did some more adpoints today have done them every day now and i am only up to 83 points, seems quite a bit of hassle, but will keep with it for a wee while longer and see how it goes.

put £20 into a savings account for the fire, so that will slowly mount up, have dloaded a savings app and with the money i have put in so far for saving for the fire we are still not even at 1% ... it's gonna be a slow long road till we have enough, but we have started it and mr el can it has been started.

we decided to apply for a remortgage, basically all our debt will be onto the house from some point in the near future, so that will mean a mortgage of roughly ( but less than £53,000) it will mean we will save quite a bit in interest every month, and it will mean that i can over pay up to £1,000 a month if we want to, we wont be able to afford to over pay £1,000 but will deff make over payments of £500 plus per month, so the debt will be going down slightly faster than currently ( due to paying less interest)

we fully intend on payingof atleast the same as what we are paying just now and hopefully a wee bit more. however, we will have the flexiability to pay a wee bit less shouls we be struggling one month without incurring high interest charges.

i am going to start a new diary next month as i will be quarter of the way there by then and with the new changes happening it will be good to start afresh.

my shin splint pain has started again so i am going to have to stop running again ... i think tbh i started back maybe too soon

taxi73

You have to go with whatever feels best for you in the circumstances.It all sounds good anyway

elantan

Thanks taxi ... And fantastic news really delighted for you xxx

taxi73

thanks I'm so relieved

beanielou

Sounding good

elantan

Cheers beanie xx

catshark88

Sounds a good plan! There is something particularly satisfying about making OPs with cash you've saved by cleverly rearranging things.

:-)

elantan

There certainly is catshark, I think it will help every month to not have to make so many small payments every month as well, having it all going into the one debt will make it easier to track also I think

elantan

Of course I have set up an app to add all my overpayments together lol ... It will help me track it all

skint_spice

No more small payments? I take it you'll still be doing tilly-tidies