The Ultimate Incentive part 10. The only thing holding you back is you.

tinkerbel

Dinah93 wrote: »

Debt repayments are going very well, I hope to have a total next week. Paid another £839 off today. Suffice it to say we were somewhere in the ballpark of £18-£19,000 in debt on January 1st and we should be down to in the region of £6500 by the end of April. By the end of May or early June it will be sub £3000 but I'd like to push that a bit more if we can. All staggering numbers to me, both that it was that high again, and also that we'll have cleared so much in so little time, although obviously the £4800 redundancy helps.

I've been amazed before but again, this is staggering. Well done. I hope you are taking a step back and realising how well you've done and what you've managed to achieve. :money: :j I honestly don't know how you manage it but i am in awe. Even without the redundancy you've cleared c. £8k in 3 months. I'm sure you can keep going and clear it! What date are you aiming for?

If you can put money together like this, i don't see why you can't continue (albeit at a reduced rate with the baby) and in a year or so you will have the cash for the business and the time will be right..?

Birdie that money news is fab! was it the same health plan as Dinah? £800 for the birth is pretty good! and the PPI is awesome! Its a shame that your OH lost out on wages due to PL, i think that rule is a bit unfair! Should get closer to full pay as its only for a short time! I can't believe baby bird is 1 month old!!!! Time is flying!!!

Dinah93

tinkerbel wrote: »

What date are you aiming for?

If we can find any way to do it June 1st, I turn 28 weeks pregnant a few days later and as thats when Grace was born I want to be 'ready' for then. Even though the baby wouldn't be home for at least another 2 months I don't want to have to be thinking about anything else when I have a newborn of whatever size and a toddler to handle. I am aware that's only about 10 weeks away though and finding an extra £3k above what we're already doing is quite a big ask. If the baby hangs in longer then brilliant, I can relax and keep calm and buy myself more time, if it comes earlier is not something I can really face thinking about atm.

Grace keeps bringing me bags of milky buttons, flapjacks, bananas etc this morning and demanding I open them. I let her have the first banana, which she mushed and smeared into the floor, but its far too early for buttons. So I said no and this was greeted by her throwing her bottle of milk across the hall and it smashing on the stone floor. Bad enough but then she had a complete and utter meltdown that I wouldn't let her play in the milky, glassy mess. Be glad for my midwife appointment this morning just for her not to be destroying the house for half an hour!

wendz86

Morning,

Lovely to see you Dinah. Hope the protein isn't anything to be worried about and the rest of the pregnancy is going OK.

Can't believe how much you have paid off, a couple of hundred a month is good for me!

Grace sounds like someone I know!

We are hoping to go to spain in June Birdie, might see you there ;-)

Dinah93

Doing a mega clean today before graces party on Saturday. Can't help but feel this may be wasted time given the havoc 10 under 2s are going to make. Looking forward to it though, hoping for good weather so we can set up some messy play outside but looks like it's going to rain all day.

clearmydebts

Great to see you on here Dinah and a huge wow to the amount of debt you have managed to clear in such a short space of time :T

I seem to be at a standstill with my debt but my house deposit savings are going up!

Birdie - just wanted to check if you got my parcel. Am always paranoid about things going missing in the post, especially if I send overseas.

Well done on the job Poolie!

Lara44

Wow brilliant news that the debt figures are coming down so quickly. A huge well done! Did you manage to stabilise the finances a bit so you can manage from NIM's wage? We found it a struggle to adjust too.

:eek: if your new baby comes at the same point as Gracie, he/she will be here before my due date! I hope it all goes well though and baby is able to stay put and you get a lovely, stress-free pregnancy this time around.

I'm jealous of your June Spain trips ladies, would love to be planning a holiday. I think poor OH needs one!

Birdie85

CMD- sorry, I thought I'd posted when the parcel arrived but I mustn't have! Love the tops and choocy, thanks so much! Parcel from Poddle has arrived too, thank you! I have one very spoilt little boy!

There has been a change of plan to our June getaway, we've just received a save the date for a wedding in South Africa in January! The bride and groom came to our wedding so we feel like we really must make every effort to go to theirs!

Dinah93

Lara44 wrote: »

Wow brilliant news that the debt figures are coming down so quickly. A huge well done! Did you manage to stabilise the finances a bit so you can manage from NIM's wage? We found it a struggle to adjust too.

:eek: if your new baby comes at the same point as Gracie, he/she will be here before my due date! I hope it all goes well though and baby is able to stay put and you get a lovely, stress-free pregnancy this time around.

We've not so much stabilized the figures as worked out how we've been managing so far. Basically NIMs main job wage covers all our household bills and food once we've got rid of the credit cards. His second job pays for the fuel to get to the first job. This means anything I make, and any mystery shopping he does, and anything he makes from his consultancy all can go off the debt or into savings/off the mortgage when we reach that point.

Big thank you to Cinny, she suggested a bingo site to me a few weeks ago and I thought I was never going to meet their requirements to play through 4x any freebie money they give you before withdrawl, but thrilled that this morning I did and I just withdrew £87.37.

The bingo money balances out some spends I had to make this morning, namely £22 on a handheld vacuum as ours hasn't worked in a month, I keep sweeping and borrowing mums on a weekend but I need something just to pick up little spills until we work out if we can get this working again. I also spent £35 on a rug for Grace's playroom (to be, currently a conservatory for the cat) as it has the same stone floor as the hall and kitchen and its blinking freezing in there on a morning, so hopefully this will make it a bit comfier.

Grace had a lovely birthday, very spoilt as usual, although currently sad as the little tykes car NIM and I got her seems impossible to assemble, and she just keeps sitting sadly in it, even though it has no roof or steering wheel. She's also being a right demon today and refusing food, just keeps saying 'chokit' or 'cake please mama' which I won't give in to, so we're at a bit of a stalemate. Going to make her some cheesy pasta for lunch as usually I can win her over with that.

NIM has booked me a private scan as a mothers day present for a week on Saturday, very very excited to see our little wriggler again. It was the earliest he is off work when the place is open, very proud of how hard he's working atm even though we miss him. The holiday was very good for all of us as we've spent so little time together lately.

Having to pay for a 4 hour passport as mum booked the Italy flights in my married name and my passport is still in my maiden name, and they don't have any appointments until 5 days to go. So thats about £126 I think :eek: Need to win a lot more freebie bingo.

Hailing again. This time 2 years ago it was about 25C as I was baking away in the hospital after having Grace, not sure what this weather is playing at.

Midwife check went really well, all signs of protein gone so I'm a happy bunny. Baby's heartbeat is lovely and even, all my blood tests were normal.... just keep on being average baby!

wendz86

Happy Birthday to Grace for yesterday! Glad she had a good day!

Glad the money stuff seems to be a bit more in control for you. Sounds like NIM is working really hard as well.

It was a heatwave when I had Poppy as well, remember OH coming to see us in shorts in April lol.

Great news on baby being average too!!

clearmydebts

Great news on the baby and fingers crossed it continues to be average.

NIM seems to be working incredibly hard. Hopefully he will be able to cut down I'm the second job once the debt is paid off. I considered getting a second job just after Xmas as I only work 2 days a week but we decided against it as the reason I work 2 days is so I can be home most of the time. This debt busting business is slow sometimes though!