PigginSkint's DFW Diary

PigginSkint

I have made some progress on the money management/organisation front – I have now got all my credit cards except Intelligent Finance (which seems to be a bit of an oddity for some reason) reset on Egg Money Manager. For some reason some of them stopped working on there so I have been gradually resetting them – in some cases this has meant resetting my online access to those accounts. Let’s see how long they continue working!!

Anyway, this means that I have finally been able to update my signature for the 1st of this month – please see below.

PigginSkint

O.K. So now that I have finally got my 1st July figures, let’s see what progress I have made, what there is to celebrate, and what targets I should make.

Progress
Total Credit Cards
1/4/08 £24,919.74
1/5/08 £24,580.02
1/6/08 £24,183.92
1/7/08 £23,849.84

Total Catalogues
1/4/08 £304.61
1/5/08 £247.41
1/6/08 £199.89
1/7/08 £181.89

LTSB Loan
1/4/08 £7,180.16
1/5/08 £7,036.00
1/6/08 £6,889.87
1/7/08 £6,744.17

Total Non-Mortgage Debt
1/4/08 £37,404.51
1/5/08 £36,863.43
1/6/08 £36,273.68
1/7/08 £35,775.90

For reference my figures at my Lightbulb Moment at end of July/ beginning of August 2006 were:
Total Credit Cards £23,646.22
Total Catalogues £1,060.92
LTSB Loan £9,746.76
Total Non-Mortgage Debt £41,680.59

Things to celebrate

• Total credit cards is now back under £24K. That’s the first time that has happened since December! It would have been lower but I have incurred some balance transfer fees.
• Total non-mortgage debt is now under £36K.
• Balance on Intelligent Finance credit card is now under £1700 (now £1,696.70)
• Next month balance on Capital One credit card will drop below £1200 (now £1220.61)
• Next month balance on Amazon credit card will drop below £4000 (now £4016.10).

Targets
Well the targets I set myself last month were:

• Total credit cards below £23K by 1/8/08
• Total non-mortgage debt below £35 by 1/8/08

Hmm! Possible I suppose! I think the second one is more likely than the first!! Mind you, it all depends on OH – if he does manage to get some work fairly pronto (which he ought to really) then I suppose I might still be on track for these! We will see!

PigginSkint

Hi All

Still feeling incredibly tired – I just can’t function! I have been doing lots of mind- numbing basic stuff because I dare not do anything that requires any brain power.

Until a few minutes ago, both of the girls I share an office with were out, so I took the opportunity to close my eyes for 10 minutes. This is something I have not done for a very long time.

I have got yet another cup of tea on the go in the hope that it might actually wake me up a bit!

I think a very early night is on the cards tonight!

hypno06

Wakey Wakey Hun!!!

Congrats on those figures - they are heading in the right direction despite all the difficulties.....keep going, you are getting there x

PigginSkint

hypno06 wrote: »

Wakey Wakey Hun!!!

Congrats on those figures - they are heading in the right direction despite all the difficulties.....keep going, you are getting there x

Thanks!

I feel a bit better now I am at home...except I appear to have no voice! It was gradually disappearing all day and now it is just about gone.

This either means (a) I am sickening for something (b) I'm very stressed (I do tend to lose my voice when I am stressed). Hmmmm....wonder which one it could be!

PigginSkint

By the way Hypno, I meant to say - I think we are almost the same age. I seem to remember you saying that you will be 40 in November/December 2010, have I got that right? I will be 40 in February 2011. (Hope to be debt free sometime that year)

dawnybabes

Aw - hope you feel better soon - you need your voice to offer gentle encouragement to OH (or as they call it - nagging!!!)

hypno06

yes, 40 in Nov 2010.....and desperately wanting to be debt free by then!

Sorry to read that you are losing your voice.....not an excuse to give OH a quiet life though

bubbles0169

aaah sorry piggin sounds like it could be both!
hypnos right you know that thing on the end of your arm, use it to give him a nudge, if he doesnt get the message then proceed to writing it down
hay maybe that isnt such a bad idea
if its there in black and white for him, surely he cant be that complacent!

PigginSkint

dawnybabes wrote: »

Aw - hope you feel better soon - you need your voice to offer gentle encouragement to OH (or as they call it - nagging!!!)

Thanks - certainly do need it for that!