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For my DDs

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Comments

  • 2joanne
    2joanne Posts: 134 Forumite
    Oh and the settlement figure was less hence the new sig!!! Double yay!
    LBM 8/6/12
    Tesco:gone Wardrobe credit: gone
    Barclays £3669.71; Car £8820; 1st D £15000; Total:£9135.21/£36692 25%
    DFD Nov 2015
  • 2joanne
    2joanne Posts: 134 Forumite
    New loan all set up debt free date now just 2 years and 11 months away but I know I can clear if faster than that!!! Can't wait til pay day...looking forward to paying first slice of 2013 debt off!

    Happy Friday all!
    LBM 8/6/12
    Tesco:gone Wardrobe credit: gone
    Barclays £3669.71; Car £8820; 1st D £15000; Total:£9135.21/£36692 25%
    DFD Nov 2015
  • 2joanne
    2joanne Posts: 134 Forumite
    Pay day Friday....I'm itching to get paid to make a nice OP.. Been reading lots of diaries on here to keep me motivated...it's inspiring what some have achieved! Decided to get myself one of those sealed money tins...plan is that every time I save some money I put the savings in the tin...then when it's full...that's another lovely OP.

    All the advice on here points to snowballing...but I've been concentrating on clearing the smallest balance first ...however my credit card is 0%. Now I've swapped my personal loan to a new lower rate I can make overpayments...not sure what to do now.....just worried my motivation will wane if I don't clear credit card first.....any how's...off to battle the snow for a NSD !!!
    LBM 8/6/12
    Tesco:gone Wardrobe credit: gone
    Barclays £3669.71; Car £8820; 1st D £15000; Total:£9135.21/£36692 25%
    DFD Nov 2015
  • 2joanne
    2joanne Posts: 134 Forumite
    Disappointed I failed on my mission today to have a NSD but only because DD1 lost her water bottle at school! So £3.00 spent today but I've updated my spending diary and counting the days until pay day on Friday...also have some expenses coming my way too so will make sure I make an overpayment to cc with that..

    Also purchased the money tin and called a mini family meeting (we usually have these on a Sunday to review good behaviour and update reward charts etc) to explain what the tin was for and that any leftover or saved coins must go into the family savings...DD2 (she's only 4) was quick to say..."mummy I found this on the floor today...can this go in?"....5p later the tin duly christened...god bless her!!

    Trying for NSD tomorrow..Wish me luck! :)
    LBM 8/6/12
    Tesco:gone Wardrobe credit: gone
    Barclays £3669.71; Car £8820; 1st D £15000; Total:£9135.21/£36692 25%
    DFD Nov 2015
  • 2joanne
    2joanne Posts: 134 Forumite
    Achieved first NSD of the week today! Pay day tomorrow so a nice OP coming which will push me over 9k mark paid off ...

    Given the snow fall...I'm guessing it will be another NSD!

    Planning on making a PAD moving forward....however small!
    LBM 8/6/12
    Tesco:gone Wardrobe credit: gone
    Barclays £3669.71; Car £8820; 1st D £15000; Total:£9135.21/£36692 25%
    DFD Nov 2015
  • 2joanne
    2joanne Posts: 134 Forumite
    £345.68 OP plus a minimum payment of £180.00.... Signature updated...25% cleared...one quarter of the way there...working on the £10,000 cleared milestone now!!!!

    PAD starts tomorrow......
    LBM 8/6/12
    Tesco:gone Wardrobe credit: gone
    Barclays £3669.71; Car £8820; 1st D £15000; Total:£9135.21/£36692 25%
    DFD Nov 2015
  • 2joanne
    2joanne Posts: 134 Forumite
    PAD ...only £0.89 but its a payment! Rounds down b'card to whole numbers...happy Saturday all!
    LBM 8/6/12
    Tesco:gone Wardrobe credit: gone
    Barclays £3669.71; Car £8820; 1st D £15000; Total:£9135.21/£36692 25%
    DFD Nov 2015
  • 2joanne
    2joanne Posts: 134 Forumite
    Another PAD this am...only £0.69 but now just £706.32 to go to get me under the £3k mark on b'card ...will focus hard on driving this down with minimal luxury and personal spends and tightly controlling the grocery shop....okey dokey...off to make a lamb hotpot with whoopsie lamb from tesco, spag Bol and keema curry both made with whoopsie lean beef mince also from tesco! Busy day ahead!! At some point I will get round to looking at what needs ebayng...but honestly..,I just can't face ebay at the mo!!
    LBM 8/6/12
    Tesco:gone Wardrobe credit: gone
    Barclays £3669.71; Car £8820; 1st D £15000; Total:£9135.21/£36692 25%
    DFD Nov 2015
  • 2joanne
    2joanne Posts: 134 Forumite
    NSD today...and another 0.99 off b'card ...cleared put spare room yesterday...now just to sort the eBay stuff...still lacking a lot of motivation tho!!!
    LBM 8/6/12
    Tesco:gone Wardrobe credit: gone
    Barclays £3669.71; Car £8820; 1st D £15000; Total:£9135.21/£36692 25%
    DFD Nov 2015
  • Sammie_03
    Sammie_03 Posts: 2,026 Forumite
    That's a great deal on the loan, can't believe how much interest you will save :eek:
    X
    :)DS1 10yrs :)DS2 7yrs :)DS3 born March 2012
    "Mothers of little boys work from son up until son down"
    It seems that for success in science or art, a dash of autism is required. - Hans Asperger
This discussion has been closed.
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