NikNok's Road to £0

niknok_2

Had a very odd dream last night that I had £6k in savings and felt so relieved to pay it off a debt. I even remember that it was savings I was putting away for a rainy day and wasnt using them so just paid them off.

Then im sat here thinking about movie night tonight with OH. I think we have a couple of DVDs we havent watched yet and we have love film so hopefully can find something on there too. I still have £17 in my purse to last until Wednesday which is pay day. We are out for dinner tomorrow (free because my Nan is cooking!) so I just have tonight to contend with. We have pizza in the fridge and I have some nibbles and popcorn plus some cakes i made yesterday.... will my £17 last! Depends if OH is happy with pizza for movie night, otherwise I will put £7 in the baby jar and £10 back in the bank to go into the % pot.

niknok_2

Not had a very productive couple of days, sold another item on eBay and put a few bits on etsy and facebook but still have loads more to list on eBay. Might do them on free listing weekend this weekend.

Paid £20 off OH's halifax card yesterday and just waiting for my pay to go into the bank to see how much extra money I got this month.

niknok_2

Just had a letter off the mortgage company to say that the arrears need paying by end of May!! Aghhh where can I find that sort of cash in 5 weeks!

niknok_2

Right started to get rather down earlier but after sitting here wallowing i've come to realise that realistically the debt is here and unless I do something about it I wont be getting anywhere.

I've now sat down and worked out to the penny how much debt we are in....


£22,934.20

Monthly reduction to this this month will be as follows....

£333 off loan (last payment this year until I go back to work in Feb 2014)
£55 off OH loan
£23 off mortgage arrears
£50 off CC1
£30 off odds and ends

So that should bring us down to a balance of around £22,443.20

Based on no loan payments for the next 6ish months and then going for £500 a month which will be soooo easy so should be able to d overpayments our debt free date is.... July 2017

Hiddenidenity

Dont get down about xx

You will get there in the end keep plodding xx

niknok_2

Hiddenidenity wrote: »

Dont get down about xx

You will get there in the end keep plodding xx

Really want to aim for 24 months from now instead of 50 but its going to be hard work.

Thanks for popping by xx

niknok_2

Went food shopping today and because i went alone I was bargain hunting... the usual shop of £100 with OH I managed to cut down to £50 by being very frugal.

Had a real mess up with my wages and have lost £300 this month and so have had to chase that up and hopefully will be paid into my bank ASAP!! Then some barstool has hit my car last night and smashed the wing mirror another £20 for a new mirror.

Looking forward to free listing weekend and hopefully making some money!

niknok_2

Ready for the weekend get so bored in the week without OH being here so its some much needed company!

Plans for today:

1. Go swimming *DONE*
2. Do the 2 hour dvd rom for Uni course
3. Watch The Hobbit (must give it back to my dad this weekend!)
4. Find my kindle (mystery where it has gone!) *DONE*
5. Change bed*DONE*
6. Hang out washing *DONE*
7. Visit Mr A's for tommee tippee bottles that are on offer *DONE*
8. Visit Granny *DONE*
9. Wash and put away pots *DONE*
10. Go get new wing mirror fitted! *DONE*

Plan for the rest of weekend

1. eBay at least 20 items
2. Finish packing hospital bag
3. Order travel cot which is on offer *DONE*
4. Take clothes to clothes recycling shop
5. Hoover and tidy living room *DONE*
6. Make FB page for my art
7. Sort balance transfer

I'm also waiting on a couple of orders to be confirmed that I can then get made up. Hopefully my wages will be sorted today as well which will mean I can figure out what to pay where!

DreamerHelen

Hi Hun....Just found your Diary....And thought I would join in and Subscribe and keep up with your Journey the way you are keeping up with mine...

How exciting that baby is nearly here!!!! Do you know if it's a boy or girl yet? Do you have everything you need?

Sounds like you are doing really well with your Debts....you'll get there hun just keep on plugging away at things!!

I'll try to keep up with your Diary....Keep Going...xxx

niknok_2

DreamerHelen wrote: »

Hi Hun....Just found your Diary....And thought I would join in and Subscribe and keep up with your Journey the way you are keeping up with mine...

How exciting that baby is nearly here!!!! Do you know if it's a boy or girl yet? Do you have everything you need?

Sounds like you are doing really well with your Debts....you'll get there hun just keep on plugging away at things!!

I'll try to keep up with your Diary....Keep Going...xxx

Thanks for popping by hun

Its a little girl and she is so spoilt already! Think we have everything we need. Just have to buy a travel cot which i'm ordering today and then thats it! Just want pregnancy to be over now and be able to enjoy the summer.

Got a fair bit of debt from one thing or another and trying really hard to keep on top of them, just going to be hard with me on maternity leave!