lurvlylurker does a diary

lurvlyloz

cihpping away little by little. not been able to pay as much as ive wanted to recently due to hubs wages lower than before but least i am still bringing it down. didnt help having 3 god damn speeding tickets in 6 weeks

all xmas shopping is dont except for my oh so havent got to worry about that expense.

Tinka21

Just having a quick catch up on your diary and your doing fab still

lurvlyloz

thanks Tinka

Still chipping away. not sure dfd is realistic now with my oh being ona lower wage but i will try my hardest. ever know, might get a bonus or somehing at work which will be unexpected & help out loads.

lurvlyloz

AND the main thing is that isnt going up so def going the right way

lurvlyloz

Happy New Year.

Here i am still sloggin away. i dont do much money saving stuff really as its now all just a way of life. Thats a good thing i know, but its also not very exciting to write about is it?

But, i have hit the £4k bracket! HURRAH last year i paid off £1855.28. that to me is a HUGE amount.

this past year has been really hard. i am still fighting to get my money back from the gardener. I am now filing a warrent of execution against him.

and we do loads as a family. We have just taken out national trust membership for the year, but as we are only on the 5th & visited 2 national trust places this weekend gone alone, i think it well worth it for us.

i knwo i should have probably paid a lot more off my debt and then I would have been able to manage my debt free date of 8/3/16 (30th) but the fact my husband took a drop in income from July and the fact that i hardly go out with any friends any more so put a lto fo effort into making my family life as full as possible, i think the extra year is ok & worth it. im still chipping away and the main thing is it isnt going up.

i know its all excuses but hey...least i am a) still on the right track...just not as far down the road. b) have an amaizng family and such a rich life. c) not being reckless & anding to the debt.

all in all 2015 will be a better year. just think i f i can tell you this time next year im in the £2k bracket ill be a very happy bunny

Mrs_Toast

Hi Lurvlylurker, you sound like your doing amazing paying off so much in a year. As you say, it's more important that you have a happy home life then debt free a year earlier.


Unfortunately our debt has increased a lot as we seem to be struggling more with two kids and not as much of a pay increase for my hubby

lurvlyloz

hi Mrs toast. glad to see you but sorry of your troubles. hopefully a bit of a refocus will help xx

lurvlyloz

here ia m 6months in.
debt now standing at £3888!!!1 ER HELLLO THATS £1162 paid off so far this year & we are only half way through. this was helped by my bonus in April which, i was very sensible and put all of it on my credit card. how money saving and boring is that!!!

so if i pay £204 a month off for the next 19months...i am debt free. thats a lot less scary that when i started it owuld have been like £400 odd a month.

i dont keep up on here very often but my spreadsheet is as busy as ever