Enjoying the journey to becoming debt free - paying back the credit cards

fedupandskint

Fab start to the day today with a long dog walk and a run home from dropping the car off for its little paint job. Should be able to run and collect tomorrow which will be a good start to the week!

A bid on ebay - good vibes working!

fedupandskint

Really pleased - finished off the 1st draft of the methods section this morning and emailed it off for comments to see if I'm on the right track. Amazing how far I can get in an hour and a half!

Lunch break time then back to another section for an hour or so this afternoon and a head clearing long dog walk

fedupandskint

This lunchtimes mini task - PPI form filled in to claim back from a CC.

Had forgotten all about this after being put off at the end of last year. A bit more of the form left to fill in and then I'll send it off next week once I've printed it off.

NSD 19 today - almost at 20!

fedupandskint

Really pleased with how much progress has been made today - did some more work on the methods section which is almost finished. Just a little more referencing to do then its onto the analysis.

Another bid on ebay which is also very good. Had a think about a couple more items to go on there too. Will take some photos tomorrow ready to go for next free listings weekend.

Nice walk with the dog this afternoon who I think is getting a little fed up with all these long walks - lazy so and so!

fedupandskint

Paid the money saved from the 20ps, 50ps and £2 coins for my birthday into my account 1£250 paid in and all accounted for on my account ledger.

Feels like I've come a long way in the last 9mths to get to this point - progressing nicely indeed!

Comments back from my tutor and some alterations to make but not too many plus some more to write today which I'll make start on after lunch.

NSD 20 today and 5 more days to go until it's another no spend clothes month!

fedupandskint

Just seen Martin's tweet about 6mths to go until Christmas and how prepared are you?

Feeling pleased I have saved £60 for presents and still have 6mths to go - phew for preparing!

fedupandskint

Collected car - repair job done really nicely and they cleaned it inside and out for me too!

Ran to collect it, plus 2 long dog walks and a walk up to town and back comes to about 4.5 hrs worth today.

Will be having a rest tomorrow as those quads are feeling a little stiff now after today.

Diisertation wise - altered the sections required and reorganised but still some work left to do which I'll get on with tomorrow

fedupandskint

My fabness for today has been the usual long dog walk on the beautiful morning, then back home for a peel off face mask and hair mask.

Other fabness left to do is get my least favourite job out of the way - sweeping and mopping the floors plus one lot of washing if it stays dry. Then its onto 2 hrs of uni work this morning and the same this afternoon to make more progress on that dissertation. If I do all of that I will be well fab indeed!

fedupandskint

Floors swept and mopped - yeah they're done!

Have read, written and rearranged some more, had an early lunch and then it's on with some more this afternoon.

NSD 21 today

Today's lunchtime mini task was snowball calculating. I am committing to paying an additional £25 per month to one CC. This alongside the minimum payment plus ebay profits - £100 from me plus ebay. Then the £120 a month on the other card continues meaning in one year's time I will be able to pay off both the remaining balances once my loan is paid off with a casback scheme from the full loan repayment. This leaves the one card which will just come off the 0% rate. Plus as I'll be the best part of £500 per month better off at this point I will then be able to throw a good proprtion of that amoubt at the remaining debt to pay that final card off and have repaired my fair credit rating to a better point.

Feeling much better now I've realised there's just over 12mths of this to keep at it and finances improve, and believe me, there is no way I'll ever let myself repeat the mistakes of the past. That's all in the past and long left behind. Hard work ahead but at long last I can see some light at the end of the tunnel

fedupandskint

Feel much happier with that methods section now. Have cut plenty out to cut the length down and rearranged plenty to to give a better structure. Sent it off again for some comments. Hoping that it's pretty much done now and I can get on with reorganising and rearranging that literature review to get that to the same point. Aiming to do this tomorrow.

That's the point I wanted to get to this week and looks like I will!