Diary for motivation

HeadAboveWater

Aw that's great news Fae

There is a lot of thinking/planning/calculating to be done now to decide the route he will go down. Will definitely give him a confidence boost too

Fae

Hello,

On the job front, we have decided to wait until the company come back with a firm offer and see if they have any hours to offer him yet, and then decide from there.

Pay day tommorrow, early this month because of Christmas, but means I can get some more debt paid off, which I am looking forward too.:D

Fae

Ladybird.

Fingers crossed their proposals are good Fae!

My husband gets paid early, just before Christmas (usually last day of the month) and I used to do when I was employed and I HATE it! Encourages silly spending and makes budgeting for the next month a real pain! Bah humbug

I'm not really bah humbug, I love Christmas, by my oh my it is like running the gauntlet for DFWs I think!

Fae

Hi,

LB, I know what you mean, I have been one of those doing the spending in previous years. But this year I have transfer all my salary to a seperate account so I can't touch it until my normal pay date. The only exception is I have made my overpayment early, as it will bring the interest down a little, so this brings me into the 8's and means I can close another credit card :j

Fae

Fae

Some good news today, I have just closed my highest rate credit card, I will have one more interest payment to make just before the end of the year, and then that's another one cleared. This leaves me with three cards. One is at 0% and the payment amounts are set to make sure it clears before the 0% ends. The other two are the same interest rate so I'll work on the one with the lowest balance first. I'm hoping that by reducing the amount of credit available to me and by making more payments I might be able to get another 0% card, I'll give it a couple of months so that my records can update and then give it a try.
So the next card I'm going to work on has a balance of £1955 lets see how quickly I can clear that.

Fae

karmachilovething

Fae wrote: »

Some good news today, I have just closed my highest rate credit card, I will have one more interest payment to make just before the end of the year, and then that's another one cleared. This leaves me with three cards. One is at 0% and the payment amounts are set to make sure it clears before the 0% ends. The other two are the same interest rate so I'll work on the one with the lowest balance first. I'm hoping that by reducing the amount of credit available to me and by making more payments I might be able to get another 0% card, I'll give it a couple of months so that my records can update and then give it a try.
So the next card I'm going to work on has a balance of £1955 lets see how quickly I can clear that.

Fae

Congratulations! That's really good going.
KC

Aamberle

Well Done Fae - Your doing soooo well X

Fae

Thanks for the lovely comments

Last day at work for 2012 today :j:j

Day in London with OH tomorrow its going to be a very MSE day, I've found some free museams to visit and we will be waiting till dark so we can go and look at the lights, really looking forward to it. I have a small budget for a meal out for us, which will be a Christmas treat.

Hope everyone is having a good day

Fae

HeadAboveWater

Aw that sounds like a really great day you have planned for tomorrow!

I just need to get tomorrows work out of the way then I'll be winding down too!

Ladybird.

Oh I am so envious of your London evening! So much wonderful free stuff to see and do this time of year, and so much atmosphere to soak up! Enjoy!!

Have a wonderful Christmas Fae, thanks for all the support and inspiration in 2012 x