Catriona's Credit Card Countdown

edited 15 March 2013 at 9:41PM in Debt Free Diaries
680 replies 54.4K views
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  • Well, what do you know. Payday is on Friday! And lodger's income arrives tomorrow. That's a nice little mistake to make! :beer:

    Also, day off tomorrow! Whoop whoop
    * * * Catriona's Credit Card Countdown * * * from -£16k to debt neutraldom - for my debt diary click here
    Barclaycard -£5,867.52;
    mbna1 - 3,009.22
    mbna2 - 1,755.70
    Savings £5,017 MFiT #25 £2,627/£10k; daily interest £5.04
  • Whey, L2 has paid (a day early, she's such a total sweetie) and hopefully L1 will have by now set up an automated payment and I'll get it tomorrow.

    Also, my Nationwide £50 needs taking care of, so I'll move it to a savings account. Getting there!

    Fingers crossed that I can bring my total net value down to -£3,200 - that's possible if I spend max £200 on food and £250 on all other discretionary spends, including drinks, coffees, meals out, clothes and cosmetics. No hairdresser this month, thank goodness. Hopefully it's doable. I'll know very soon!
    * * * Catriona's Credit Card Countdown * * * from -£16k to debt neutraldom - for my debt diary click here
    Barclaycard -£5,867.52;
    mbna1 - 3,009.22
    mbna2 - 1,755.70
    Savings £5,017 MFiT #25 £2,627/£10k; daily interest £5.04
  • Oh yes, very nice mistake with payday / lodger money :T:D We're payday twins this month :rotfl:

    Lots to think about with your course but whatever you do, you're so motivated and you'll get there.

    :T:j To be debt neutral in 3 months is amazing :T:j I bet your giddy! ;)

    Have a lovely day off tomorrow. Any plans? :)
    Debt Apr 15 - £6895.44 :( Apr 17 - £2500 :) Dec 17 - £560 :) July 18 - £199 :D
    CHEFS challenge (Cruise Holiday Entirely Funded by Surveys) - £685.79
    Every penny is a prisoner :D
  • beanieloubeanielou Forumite
    80.5K Posts
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    Forumite
    All sounding good :)
    Happy day off.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    MFW. Finally mortgage free February 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
  • edited 25 February 2016 at 12:53PM
    catriona79catriona79 Forumite
    855 Posts
    edited 25 February 2016 at 12:53PM
    Well, I've started this month's food economising drive.
    I've set aside £200 for food/supermarket shops until I get paid again, and £250 for all other discretionary spending.

    So far I have spent:

    Food £32.49/£200
    Other: £4.68/£250

    The idea is that the boundaries between those two are fluid, but the total is not. So, if I want to spend more on food, I can't then have as many meals out, or buy clothes or cosmetics. Let's hope that works!!!

    I'm going to stick it in my signature to motivate me.

    In dating news, the Spanish date from two weekends ago has asked me to dinner tomorrow night ...this morning! Bit of a last minute arrangement. I don't think at all that he's playing games, but would rather have more notice and more than anything, I'd rather stay in on Friday night! Can't be bothered going out! I'm guessing I wouldn't be saying that if I really liked him. :eek: why am I so hard to please! Really annoyed and fed up with myself and dating. But I had a great chat with him, so am going to go. Will report on progress. If any.
    * * * Catriona's Credit Card Countdown * * * from -£16k to debt neutraldom - for my debt diary click here
    Barclaycard -£5,867.52;
    mbna1 - 3,009.22
    mbna2 - 1,755.70
    Savings £5,017 MFiT #25 £2,627/£10k; daily interest £5.04
  • Well, so I have spent most of today on working out my finances.
    seems that i can reach the following debt neutral milestones

    end of Feb 76.45%
    end of March 90.83%
    end of April 105.02%

    a little give in my figures too. Fingers crossed!

    in the spirit of moneysaving, i have put chicken pieces in a marinade, thats at least three meals there. Very happy. I have bought lots of Skyr yoghurts; they are incredibly protein-rich and really keep me going. Lots of frozen salmon in the freezer, and have discovered a nice sauce for it, the chef ottolenghi had it on his website. Yumster.
    * * * Catriona's Credit Card Countdown * * * from -£16k to debt neutraldom - for my debt diary click here
    Barclaycard -£5,867.52;
    mbna1 - 3,009.22
    mbna2 - 1,755.70
    Savings £5,017 MFiT #25 £2,627/£10k; daily interest £5.04
  • catriona79 wrote: »
    Well, so I have spent most of today on working out my finances.
    seems that i can reach the following debt neutral milestones

    end of Feb 76.45%
    end of March 90.83%
    end of April 105.02%

    a little give in my figures too. Fingers crossed!

    :j:j:j:j:j:j:j:j Marvellous work Catriona, you'll smash it :T

    Have a lovely time on your date :p;) And a great weekend :)
    Debt Apr 15 - £6895.44 :( Apr 17 - £2500 :) Dec 17 - £560 :) July 18 - £199 :D
    CHEFS challenge (Cruise Holiday Entirely Funded by Surveys) - £685.79
    Every penny is a prisoner :D
  • beanieloubeanielou Forumite
    80.5K Posts
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    Forumite
    Glad that you are going on date :)
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    MFW. Finally mortgage free February 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
  • Thanks, Lou and Ena. Oh I don't know about the date, though I will go.

    £12.81 spent on food today, and there's now plenty to eat for a while!
    * * * Catriona's Credit Card Countdown * * * from -£16k to debt neutraldom - for my debt diary click here
    Barclaycard -£5,867.52;
    mbna1 - 3,009.22
    mbna2 - 1,755.70
    Savings £5,017 MFiT #25 £2,627/£10k; daily interest £5.04
  • Bit of a sleepless night, but I've updated YNAB and it made me smile, as where it shows you your net worth, it current,y shows -£1880. Next month it will actually show a positive balance!
    Though that's obviously a cheat, since none of my bills have gone out yet ;) but you've got to look at the positives!
    An added bonus is that the next couple of months are going to be spent writing up for uni. So less going out and spending. I think I can crack the back of this debt!! Grr!

    Time for a coffee and a read of cognitive development textbooks! (Thankfully they are available online, no spend!)
    * * * Catriona's Credit Card Countdown * * * from -£16k to debt neutraldom - for my debt diary click here
    Barclaycard -£5,867.52;
    mbna1 - 3,009.22
    mbna2 - 1,755.70
    Savings £5,017 MFiT #25 £2,627/£10k; daily interest £5.04
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