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Indebted 2U

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  • Indebted2U
    Indebted2U Posts: 182 Forumite
    100 Posts
    Thanks for reading Sammyjo, I popped over to your diary and you seem to be making great progress already :T I agree that being happier is far more important than how much money you have, hence the reason most of us want to pay off our debts and worry less about cash I guess? NZ in November also sounds awesome, I'm very jealous.

    Well I had another fun non office week working outside :j Well until today at least when the heavens opened and I got completely and utterly soaked to the skin. However as there was a bunch of us working together it actually became quite funny. With people passing round bottles of factor 50 suntan lotion that we'd been slapping on earlier in the week whilst the rain teamed down :rotfl:

    On the debt busting front, I spent more than I wanted to as we went out for a pub meal to celebrate a workmates birthday. I volunteered to drive however and my colleagues paid for my soft drinks all evening :T I also have some expenses to put in next week, which is urgently needed as the current account is looking scary :eek: The car tax is paid for another year, all the SO's and DD's have come out for the month and there's always value baked beans to live on for the rest of the month if things get really tough :mad:

    Have a great weekend everyone
  • Indebted2U
    Indebted2U Posts: 182 Forumite
    100 Posts
    A good weekend, only spent on food and petrol. Totaled up my expenses and have another £115 to claim so that should help the current account out a bit. :j Also had an alcohol free weekend as I had a few too many glasses of wine last week. :eek:
  • Indebted2U
    Indebted2U Posts: 182 Forumite
    100 Posts
    A long day, 250 mile round trip to a meeting that took an hour and could have been conducted over the telephone :( Never mind I did get lunch and a couple of lattes on expenses. 300+ miles tomorrow :eek: but at least I've got someone to share the driving with and might even get breakfast and lunch out of it? Small things eh :)
  • Skinnylatte
    Skinnylatte Posts: 1,244 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    I know what you mean about the driving, I've worked out that my car costs 9p per mile in fuel and I get 35p per mile from work, so I drive around counting up 26p per mile!! Also I always get my work lunch and coffee from Costa when I can so I can save up the points as well as claim back on expenses :)
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • laurag89
    laurag89 Posts: 728 Forumite
    Seventh Anniversary 500 Posts Combo Breaker
    Just had a read of your diary :)

    Your making good progress! Thanks again for the app advice I've downloaded it and its awesome! Another thing for me to spend all my time on!

    :) x
    Total debt to pay: £14,071.41/ Remaining debt: £12,884.12: Amount Paid: £1,187.29

    Survey xmas 2018 savings: £10 / £150
  • Indebted2U
    Indebted2U Posts: 182 Forumite
    100 Posts
    Not too bad a week. Loads of miles driven, so a few quid in expenses are due :) Also apart from one inexpensive (but thoughtful honest:rotfl:) gift for a friend I didn't spend on anything other than food and fuel. Next week I'm away with work again so won't have to pay for meals for three days :j Now if I can just avoid the pub next week I should stay on budget but pay day can't come too soon this month!

    Off to soak my weary body after a day of fitness training at work :eek:
  • Hi I2U - your totals are looking awesome :)
    Sounds like you're seriously clocking up the miles - great as a little lift to the income. If you're like me it's exactly a week to go to payday...going away for BH which is not going to help me much, but i am resolved on packed lunches only, and 'free entertainment'...
    Hope you have a great break. Keep up the good work! :money:
  • Indebted2U
    Indebted2U Posts: 182 Forumite
    100 Posts
    Thanks Breeze :T Hope you had a great time away, how did the packed lunches and free entertainment work out? I've found a picnic can be loads more fun than a McBrugerHut and it's almost certainly healthier.

    So as my debt busting plan seems to be going well and after reading Mr Bloaters hilarious DFW diary I've decided to take a leaf out of his book and go for the body overhaul too. My fitness has really dropped off over the last few years & as I used to teach sports for a living and need to be fit for work there really is no excuse! Therefore the middle aged spread has got to go. Off for a run, I'll report back later on how painful it was :rotfl:
  • Good luck with the run! I'm also trying to get rid of the middle age spread with not much luck currently lol! x
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • clippy_girl
    clippy_girl Posts: 2,283 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    hello indebedt2u :wave:

    have just read your diary, you are doing fantastic on the debt front :j

    how did your run go? i really got into the gym and got fit but havent been for a month. first session back yesterday and i can tell its going to take a while to get it back :o
    :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
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