Pigpen's DFW diary..
in Debt free diaries
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At least it'd reduce the muddiness.
The am. ex. is going because I only owe them a small amount but they are wanting a large sum each month. When I am not paying them £200 a month I will be able to pay the others off PDQ. The storecard is the next one I am tackling. The abbey card I try to pay off the interest plus £50 every month.. it just makes me feel better knowing it is all reducing.
I pay the minimum payments to everyone and then pay extra money to that months 'victim' (they are the victim because once paid off they won't be getting any more interest or charges or anything from me!)
And.. to be quite honest I have no idea how the APR's work.. does that make me extremely thick?? I know that the higher the apr number, the higher the number they add to my balance!.. that's good enough for me.
I've done a snowball thing.. I should do another now I have a few more of the APR's. I refer to it daily and am using it to strategically pay off my bills. I am refusing to pay more than £1000 a month off the debts now because the snowball calculator said that should be enough.
We are looking at that.. the garden is my husbands project and he won't have concrete pavers.. he is a stonemason and it is one of his quirks. My nagging will pay off eventually though right now we are trying to get the inside of the house safe and habitable.
first i think what you have done with your food bill is AMAZING that is what i have reduced mine too with only 2 children. Also i think you have set an amazing target of how much debt you are paying off - you really have paid off lots already - you must feel good.
Having read your posts on fly lady i think you must be v hardworking - with a big family to look after, doing the ebay and quidco stuff - they are v lucky to have you - good luch
**Credit card debt free 30/06/10~**
MFW. Finally mortgage free February 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb.
It starts with you, it starts from now. *** It is ok to be me.***
***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
the plumber is back in the morning.. 9am.. and the electrician was coming on Tuesday.. then Monday and now it is Wednesday.. and they say us women are indecisive!!!
I made an £18.59 ovrepayment on my mortgage today, it was left in my account looking lonely so I put it to good use. The child benefit and carers allowance is in tomorrow so I can stock up on food.. mainly for the children!! I swear they are locusts! I'm paying a little lump off the utilities as well. I getreally xcited when it comes round to payday (ie wednesday) I love paying off my debts, watching those numbers go down and down. I want it to be less than £20k ... that will feel like an achievement
Off to bed so payday comes round a bit quicker
Will check your thread later.