£23179.10 until my debt free life begins in March 2014

DebtFree2012

Welcome and of course More the merrier!

xx

DebtFree2012

Staying in over lunch to save on fuel

HM lunch was GORGEOUS.

I've done the menu plan up til Xmas!!!! Don't ask.

xx

DebtFree2012

:rotfl:Wahoooo I am under 700 days Also it's pay day today so 1 pay day closer! :beer:

167.63 paid to loan :T:T

Most other payments made where statement generated but waiting on a couple of statements so those will be paid asap. I have also got an extra chunk to pay to loan but I am waiting until tomorrow to see what interst was added last night (doesn't process until tomorrow).

So a fresh new month is here, the menu plan is done and I will get the bits and pieces I need tonight in Aldi. I am going to cook and bake on weekends for the coming week. I also want to get back into HM bread as I have been using shop bought stuff and it's just not fresh IMO. Feeling reeeeally positive. In a very good place at the mo.

Part of last night was spent dicussing the dream which is prob adding to my happiness :rotfl: It just makes it so much more important to me to clear this noose from my neck.

Challenge for the next couple of months is to reduce my gas and electric even more (it used to be neared £200 and is now £118 which is what we used last year (monthly that is).) I called them up and the reckon we need to prove we will reduce it even more as they dont think we can based on the fact it's already come down. Ohhh how I love a challenege.

It's all good! And my chickens are laying well. I just wish I had more time at home to enjoy them. Veggies are doing fab too - for a few more to plant at the weekend but apparently there's going to be a huge downpour for 5 days so we shall see!

xxx

ragstoricheswannabe

DebtFree2012 wrote: »

I've done the menu plan up til Xmas!!!! Don't ask.

xx

WHAT?!?!?!?! That just puts being organised into a whole new catagory!!!:rotfl:

DebtFree2012

Oooh I am still excited!!!!

The menu plan is working - am rather pleased with myself I went shopping last night to get the things I need to for the coming week. I will need more salad and milk though. I intend on buying some cut and come again lettuces for use over the next few months - the lettuce is quite expensive to buy as much as I do.

I am on top of the house which is also making me feel great - long may it last lol.

And to the nitty gritty - £200 paid to the loan!! Another £200 due soon but waiting for a couple of weeks just to be safe as I've not made such large payments all together before.

I am going to put my new figures in a new post - 2 years to go, so it's an anniversary of a kind and deserves a status update

DebtFree2012

The debt I am currently paying off is first, then the rest have the min payment paid monthly. Figures are LBM balance, balance now, % to go (% paid).

Original debt: :eek: £30412.44 :eek:

Loan £6000 £2488 41% to go (59% paid :T)
Virgin £7281.06 £6357.80 87% to go (13% paid)
Tesco £2533.04 £2273.45 90% to go (10% paid)
0% CC £4173.68 £3851.13 92% to go (8% paid)
Family £8000 £6300 79% to go (21% paid)

Cleared Debt:

1. Overdraft £1500 :T
2. Next £698.34 :T

Today's balance £21270.38 apx 70% to go, 30% paid.

Even though I have "only" paid 30% it feels like the momentum has well and truly picked up and it will drop quickly now. I think I will do this monthly.

Kepp

Looks good DF Well done! :T

Skint_but_Optimistic

Sounds fabulous, loving the enthusiasm and the positve stuff x

Lost_and_nervous

Wow you are an inspiration, and I can really feel your positive vibe and enthusiasm. i need my diary to be like yours, upbeat and total hardwork! Well done and I am sure I will be reading your progress. Thank you x

DebtFree2012

Aww thanks guys xxx