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Clippy's 'the final debt' diary

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  • clippy_girl
    clippy_girl Posts: 2,283 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    so not much to report on money front :( getting a bit bored as have to wait sooo long for some ms money :( currently should get at least £600 extra by end of month but just got to wait for it to trickle in! will all be going to mum.

    once mum is paid off i will be using the money each month to pay off my new zealand tour (not booked yet but booking direct with a nz co so will need to pay in nz$. i am getting a halifax clarity card to use but as its not 0% i will pay it off in full. means apart from min payment the cc's will stay the same till its cleared :( but at least balances wont go up!).

    not much else to report. got 1 ms to do today then rest of the day will be spent doing a bot of cleaning, planting veg and flowers and weeding garden and also practicing my spanish! :)
    :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    clippy_girl wrote: »
    so not much to report on money front :( getting a bit bored as have to wait sooo long for some ms money :(

    YOU'RE bored? How do you think I feel? :rotfl:
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • clippy_girl
    clippy_girl Posts: 2,283 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    £26 paid to mum :)
    :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
  • clippy_girl
    clippy_girl Posts: 2,283 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    £15 to mum :)
    :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
  • clippy_girl
    clippy_girl Posts: 2,283 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    not been updating diary, naughty clippy :naughty:

    have made quite a few payments since last updated so figure is-

    total paid in april £731 :j

    total is coming down but keeps coming back up due to hols :o

    just got a free odeon ticket from groupon as they were £5 and they gave me £5 free credit :)
    :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
  • mandz1
    mandz1 Posts: 2,548 Forumite
    clippy_girl wrote: »
    not been updating diary, naughty clippy :naughty:

    have made quite a few payments since last updated so figure is-

    total paid in april £731 :j

    total is coming down but keeps coming back up due to hols :o

    just got a free odeon ticket from groupon as they were £5 and they gave me £5 free credit :)

    dont you mean total paid in may? Thats a brilliant amount nearly triple what i paid in may.

    Thats a brilliant deal on the cinema odeon tickets
    PAD Maker
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    clippy_girl wrote: »

    total paid in april £731 :j

    Absolutely superb, so proud of you :kisses3:.

    My mortgage balance is coming down nicely also ;).
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • clippy_girl
    clippy_girl Posts: 2,283 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    oops not updated in a while! :o

    still plodding along. paid £25 in june so far, just the dd to credit card :)

    i have booked my nz tour now :j just paid the tiny deposit, got around £1650 to pay remaining but as its in nz $ it will depend on the exchange rate.

    so priority is paying off mum, hope to do this by august! that would have been the day i was debt free :T... had i not booked two hols! :o

    once she is paid off i need to clear off the stuff i have put on my 0% cc. currently this includes my dyson, spa break, clothes and few other bits. also had to buy quite a few things from hol. tbh they were all needed and would have been paid for out of debt account so doesnt really matter which they are paid from! this should be done in sept. not sure what balance is as i have put stuff on thats not cleared, made payments that are not cleared and am awaiting a refund. i think it will be around £400.

    then i need to pay for the nz tour. rathering than clearing a cc and putting nz tour on cc i will be paying the nz tour and balance transferring the others. this is because as i have to pay direct i would get lots of charges for the forgein transaction. i am getting a halifax clarity cc to use abroad so each month i will pay what i can afford on the tour till its cleared. that will be paid straight off the clarity card.

    so after mum is paid for in aug plan is-

    sept- £400 to cc, £200 for tour
    oct- £600 to tour
    nov- £600 to tour
    dec- £250 tour, remaining £450 to tax bill
    jan- £150 tax bill, £450 saved for nz spends
    feb- £600 saved for nz spends
    march- £600 nz spends

    assuming i stick to the above i will owe the following in april 2013-

    £1638 (peru tour) paying £25 per month min payment up til then. this is 0% till april 13 so will need to bt at this point. will need a new card.

    £1080 (nz flight) not actually paying anything off this as am using card for spends like food and petrol which i pay staight off. as these come to more than the min payment, debt is staying exactly the same! will need to bt this, hopefully onto the card the peru tour is on to avoid getting a new one as this is up in sept 2012.

    so in april 2013 i will owe around £2676. therefore-

    april- give myself a breather as may overspend on nz etc... will pay if i have any extra! plus no ms earnings as away so long!
    may- £600
    june- £600
    july- £600
    aug- £600
    sept- £276 remaining- debt free! :T:j

    so must not book holiday before then, must not book holiday before then, so must not book holiday before then, must not book holiday before then, so must not book holiday before then, must not book holiday before then, so must not book holiday before then, must not book holiday before then.... :rotfl::D
    :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    clippy_girl wrote: »
    so priority is paying off mum, hope to do this by august!

    :T:T:T:T:T:T
    clippy_girl wrote: »


    so must not book holiday before then, must not book holiday before then, so must not book holiday before then, must not book holiday before then, so must not book holiday before then, must not book holiday before then, so must not book holiday before then, must not book holiday before then.... :rotfl::D

    :rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

    All this - and 2 strawberries on your plants :j. Maybe you could get an allotment & sell produce to raise some more money :D.
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • clippy_girl
    clippy_girl Posts: 2,283 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    well the strawberries looked lovely....until i went to pick one to discover its a hollow shell as has been eaten from underneath :( v annoyed :( have bought some straw so will weed the area, get rid of any slugs and put the straw down. hopefully that will help. may also have a look at some cheap plant food that i can use on edible stuff and use it to feed the potatoes, strawberries and chilli plant. the carrots, onions and leeks i sowed about 7 weeks ago have not even started shooting so dont think they will turn out now :(

    was going to be a nsd today but as its now not forcast to rain i need to pop out and buy weedkiller to put down in the garden as i weeded it yest. also need some eggs.

    plans for today are-

    go to gym and do two classes :eek: and have swim
    recover on sofa a while
    pop to trampy shopping centre to get cheap weedkiller and plant food and eggs
    weed strawberry patch and put down straw
    put weedkiller on stones in back garden
    sweep patio in back garden
    weed front garden stones and put weedkiller down
    make pot chilli
    make pot carrot and corriander soup
    make 2 lots of cookie dough and freeze to save time next weekend
    clean kitchen window in and out
    clean en suite
    try on summer clothes to see what fits
    type up two ms
    tidy up
    ring sky about sky movies offer (price is wrong online)
    work out how to set up anytime (may need to buy cable thing for phone line to put in box)
    cancel love film if i can sort out movies
    wash clothes and hangout

    phew thats a long list.... :cool:
    :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
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