Clippy's final diary :)

clippy_girl

hello everyone :hello:

so i am back from my holiday and last monday i paid mum the final installment so i would have been debt free! :T:money:

unfortunately i had booked said holiday and my next holiday and got a bit carried away with the cc (hello shiny new ipad :whistle:)

so i am most definately not debt free o well i was sooo close and this is all new debt so its back to what i have been doing for the last few years and getting it cleared! :cool:

so time for a new plan...

clippy_girl

sooo the current situation...

halifax cc- £579.24 (this is spends from holiday). not sure of apr but doesnt matter as will be cleared next month by 20th
tesco cc- £2396.62 (this is my new zealand flight and other ahem misc spends) this is 0% till oct(?)
virgin cc- £1813.82 (this is whats left owing from the hol i just been on) 0% till march

total- £4789.68 :cool:

i am also booking a trip to edinburgh for new year will need to pay about £200 for this in the next week so added it on to the above balance for the halifax card already

so in addition to the above i need to pay tax bill in jan 2013 (about £550), the remainder of my new zealand tour (approx £1600 dep on exchange rate when i pay) and also spends for new zealand (budget £1500)

so i have just had a small pay rise :T not a lot but every little helps it is part of the one i will get when i qualify so means less of an increase when i qualify but more now

i have decided with my wages they are just for spending and not debt. if i make my budget too tight i just dip into debt account for clothes, weekends away anyway! so atm my weekly spends are now £40 and i have just under £60 left each month. the £60 will be used for new clothes, weekends away etc... and can be topped up by any left over weekly spends (unfortunately not yet saved any up so edinburgh cant be paid for this way!)

so that leaves my 'debt account' to repay the debt. each month i should have at least £500 in this. £340 rent from my lodger and £160 ms money (more than doable based on current earnings)

brief plan of action is-

• sept- clear halifax
• oct-dec- knock £1500 off tesco (leaving £900 remaining)
• end of dec- pay £1600 tour on my halifax card, transfer £900 from tesco to halifax card. cancel tesco card.
• jan- pay tax bill
• feb- get new 0% balance transfer card and transfer the £2500 from halifax onto it and the £1813 virgin card. total on new card will be around £4300. save £500 for spending money
• march-april- will be on holiday. £500 each month for spends (whilst i am not getting ms money i still get rent and the amount saved from food, petrol, weekly spends etc... will be more than the ms money anyway)
• may- jan 2014- pay £500 each month to new credit card and clear by jan 2014.

i would like to knock a few months of this as inevtiably i will want to go on holiday in march 2014. i would love to be debt free before i book this so maybe if i can push it back to say oct 2013 from jan 2014 then this would give me time to save up for it.

therefore need to aim to clear around £600 each month

for the above i will try and do more ms (often i willl make more than £160 month from ms but thats the lowest so i used that figure). i will also save all extras from my wage eg overtime, mileage etc... not much opportunity to do overtime but i did do 4 hours today and hopefully will be able to do a few next week

to make a start i have sorted out 40 books to sell (will sell on work intranet for £1) and will also count piggy at the weeken. piggy is only small but he has lots of shiny silver coins in him

gallygirl

clippy_girl wrote: »

i would like to knock a few months of this as inevtiably i will want to go on holiday in march 2014. i would love to be debt free before i book this so maybe if i can push it back to say oct 2013 from jan 2014 then this would give me time to save up for it.

Where too next then .

clippy_girl wrote: »

piggy is only small but he has lots of shiny silver coins in him

Yay . peefer coughed up £40 for me last week :T.

Please make this the final debt diary :cool:.

clippy_girl

So not much happening on debt free front. As I was on holiday I didn't do any ms so no payments arriving have been doing ms so just awaiting payments now. Got quite a few already booked for sept which is good. As I generally book them in advance I had not thought I would get any in aug but managed to do £60 worth since hol

Did 4 hours overtime on bh mon and going in today. Not a fixed time or amount of hours as we are working on a project for a colleague so I will do as much as I can cope with (it's very intense concentration work on the comp and I got a headache after 4 hours last week!). Also doing overtime next Sunday which will be around 6/7 hours. Let's say I do 6 today then that's 16 in total which is £320 at 1.5. Think I might get dbl time on a sun so will need to investigate. After all deductions i should take home at least £200 (more if double time) :j

Book selling not going well- only sold one at £1! Books are chic lit so don't seem to sell. Tried the sites that buy them and they are not accepting my titles. Amazon trade in will accept at 25p book so worst case I send them them and use the voucher (around £10) to but me some kindle books :DBor be good and save it towards presents :cool:

Not counted pigggy yet, will do tomorrow as got ms at a bank on mon so can pay it in then!

Not sure if Edinburgh going ahead as no one else seems bothered! O well £200 off the total above if not!

Most exciting news of the this week is that I can go to the gym again :j:j I froze my account for aug as I was away for 3 weeks and have missed going. As I've not been I have eaten junk as well and am 5lb heavier than when I went on hol :eek: will be good from today!

In other news I am getting my new car on tue. Not particularly excited as getting the same car I have but having to pay an extra £26 month fr the privilege :mad: I lease it from work so have to get a new one whether I want to or not! It is still way cheaper than buying one and all the associated costs but annoying its gone up 25% to get the same features

clippy_girl

£25 to tesco card

clippy_girl

£25 dd to virgin has also come out of my account for sept payment.

have also done two very small payments to round up tesco and virgin as getting sick of typing the pennies out! sp 62p to tesco and 82p to virgin. will round halifax up next week when i make a payment.

have removed edinburgh amount from halifax balance and will just add it back on if and when its booked then i will know the full amount. there were a few purchases outstanding when i did the halifax balance and also im waiting for money from my friend for a hotel. so the balance is higher than it was (but less than it was when it inc the edinburgh amount)

Hiddenidenity

Happy new diary look forward to reading

*subscribes*

gallygirl

clippy_girl wrote: »

It is still way cheaper than buying one and all the associated costs but annoying its gone up 25% to get the same features

What - it come ready with stained seats, empty water bottles, general rubbish and scuffed alloys :rotfl:.

clippy_girl

Welcome hidden identity :wave::hello:

There is no rubbish or bottles in my car :mad:

gallygirl

clippy_girl wrote: »

Welcome hidden identity :wave::hello:

There is no rubbish or bottles in my car :mad:

Been cleaned out then :rotfl:.

clippy_girl

So counted piggy and about £22 in there was only 3/4 full as well! Will pay that in tomorrow. Love piggy as its like free money (as I don't notice the loss of the change on a weekly basis).

So busy day today-

Hang washing out
Make veg soup
Clean hamster out
Polish and Hoover downstairs
Polish and Hoover my room
Change bedding
Clean en suite
Do ms and take car to car wash on way back
Go to gym

Phew makes me tired just looking at it!

Btw I cleaned inside of car yest and it's immaculate!