Clearing it Now!!!

ItWillGetBetter

quidsy wrote: »

if you want a free weight loss resourse then sign up to my fitness pal, you log all your food & exercise & they work out how many calories you can consume, they also have a really excellent forum.

Thanks quidsy I will check it out.

ItWillGetBetter

Loving the my fitness pal site, thanks quidsy.

ItWillGetBetter

Paid off one of my credit cards today so I will close that before I use it again.
By paying off that card I have reduced my Debt Free Date by a couple of months
Will be able to start making larger over payments on my loans now.

Also still being good with my weight loss as well and slowly losing the flab. :j

quidsy

ItWillGetBetter wrote: »

Loving the my fitness pal site, thanks quidsy.

Glad to help. I love it too

ItWillGetBetter

Weight down to 16st 6.5lbs now. :j
Only another half a pound to reach the 1 stone mark :beer:

Not done much exersize to aid my weight loss so far. But will need to step it up if I want to continue to lose weight as I know it will get harder and harder to lose those lbs. So first step, walking to work today.

3 more days to pay day...

Not sure if I can achieve it but I am also going to try and bring my debts below the £20k mark next month as well.

ItWillGetBetter

My Credit rating (June 2013)
I have signed up to Noodle Credit (I know Noodle isn't the best but it is free) and I currently have a score of 2/5 which isn't good. I am hoping that by reducing my debts that will improve.

Because of being bad with money, in the past (!), for my cards and loans that I still have open I have 4 marks of late payments. For all the closed ones I have 11.
They are all only for 1 month as I catch up the next month, but still not good.

The bad marks stay on my file for 6 years so they will all eventually drop off. 7 will drop off in the next year so that is good.

I have signed up for other free credit agencies in the past so can't do those again, but I will pay for my details from one of those in a years time so I can check the other agencies.

ItWillGetBetter

:j Now lost a stone in weight :j
On holiday at the end of July so going to try and lose another 10lbs before I go. Will be difficult, but feeling good.

Pay day tomorrow and finances looking good as well. :beer:

quidsy

Fab weight loss, good for you, if only I could be as motivated, I am losing a steady 1lb a week but god it feels so slow. Never mind, I will get there in the end. I'm sure you will smash your end of July target no trouble.

ItWillGetBetter

No joy on the money front recently so will have to do better.

Feeling good about my weight loss though as I have lost 22lbs and now weigh 15st 12lb, although a long way to go.

ItWillGetBetter

Recalculated my finances today factoring in payments I will make at the end of the month. The total has gone up slightly since I last checked to £20,751 (only because I am now more accurate in adding up all my debts) but it is going down steadily. DFD for me is currently December 2014.

I am hoping I can put in a few good months of paying off as much of my debts as possible which should see it reduce fairly rapidly. However that is always easier to say than do as there always seem to be repairs etc that are needed to be done. Oh well as long as I am still on target for the absolute worse end date of Dec 2014 I will be happy.:)

Then a couple of years to repay off as much of the £70,000 mortgage as possible before I have to switch, as that is when my current rate ends. My current mortgage is a tracker on about 0.5% so that is great. I am hoping when I have to renew it will be around £43,000. I will still have a 2nd mortgage of around £17,000 then as well although that one doesn't finish for another 10 years afterwards and is also a low tracker rate. But a £60,000 mortgage on a £140,000 property won't be bad. May even be able to repay that within 3 years - but I am dreaming now :cool:

Anyway that my thread updated with my current finances. Couple more posts to provide updates other things.