Financially Free by 31.12.2013

Shelbi

Quick update before bed, today spent £25 in te$co slightly more than I had expected, but got to use up my vouchers &got a £1.24 receipt off my next shop, forgot to look out for receipts &roadkill ala hockey...I will make more effort on that front tomorrow:D:D

The lovely people at the phone shop have taken my phone for resus, I've lost all the data...motherboard fried but at least ill get it back fixed, very helpful & friendly bunch bless them.

Hit £land and brought 2canvas some paint & brushes for £4 need some art for my place & I need something to do which is cheap & cheerful;) so thought I'd try something new find my inner artist (she's in here somewhere:rotfl:)

Have sorted out my junk wardrobe which resulted in a box of niknaks :j for eBay all I need now is fee insertion...5 days till payday:j:j I can't wait...

Sleep tight all...x

Shelbi

Happy Monday all,

Ive been up since 5am this morning..it was so dark but i needed to get some study in, I have alot of catching up to do...funny enough im still wide awake, breezing through work at a nice pace *happy days*..tis true the more you do the more energy you have:j:j:j

So have made a payment of £50 to my card, have banked a cheque& cash totaling £86 but havent paid across as i need to be sure its cleared, just being extra careful so i guess thats tomorrows payment:j:j:j love paying it down, even if its a little bit... nsd day today so not much to report, eyes peeled for roadkill, havent seen anything as yet but im optimistic, never know could walk out the office & find some, in fact i think ill expect some, i can sense all the coins attracting & moving to fall into my path....gonna be a slow ride home picking up all those pounds, pennies & notes... abundance this way comes :D:D...


Have a wonderful afternoon guys!!! x

kerri_gt

Shelbi wrote: »

The lovely people at the phone shop have taken my phone for resus, I've lost all the data...motherboard fried but at least ill get it back fixed, very helpful & friendly bunch bless them.

Hit £land and brought 2canvas some paint & brushes for £4 need some art for my place & I need something to do which is cheap & cheerful;) so thought I'd try something new find my inner artist (she's in here somewhere:rotfl:)

Have sorted out my junk wardrobe which resulted in a box of niknaks :j for eBay all I need now is fee insertion...5 days till payday:j:j I can't wait...

Sleep tight all...x

Oh dear to the data but yay to getting your phone fixed.

Good luck with the painting.

Shelbi wrote: »

Hi Kerri gt:hello:

So good to meet you (well via net) I always see your thanks on my posts & I just want to say a massive thank you!!! You always motivate me to keep on because I know your watching & it keeps my focused...Thank you!!:beer:

My run did go well, hardest part is getting out of bed lol...but I'm trying to get more disciplined so hopefully it will transfer to all parts of my life.

Absolutely love your attitude, your right there is light at the end of the tunnel!! Aww bless your other half, I have to confess I struggle to stick to budgeting too, still practice makes improvemnt:rotfl:

Definitely sign up for obstacle courses, that sounds like so much fun, love the dirty dozen named race, is it bad that actually makes me want to run it too ;0)

I hope you feel better soon & are getting plenty of rest, sending you lots of healing & healthy thoughts hun!!

Have a wonderful Saturday xX:j

Ahhh shucks thanks for the lovely welcome. And well done with the runs.:T Not sure where you are, but you're always welcome to do the London Dirty Dozen with me next year once I find the dates out. I've seen some pics of the Kent one last weeked, looks cold, muddy, and awesome.

Well done on clearing your debts so quickly, I wish I was a disciplined as you :beer:

Shelbi

:wave:Hi Kerri gt & all in diary land...

Happy Tuesday!!! Kerri thanks Im going to need the luck with the painting, its not my strong point but I figured Ill never improve if i dont learn, not to mention it saves pennies which is another silver lining...yay! im in London so Kent isnt too far, im up for a muddy run, hope theres a medic on standby for me! I do love a challenge & anything messy, sounds fab!!

Aww thanks I am starting to gear up a bit now, trying my hardest to clear it up, but whether its fast paced or slow the main thing is that the debts are going down! & thats something to be real proud of!!

Updates- today is a spend day- cinema with the girls, brought my popcorn & drink but now scarred to eat it as ive downloaded a free calorie counter & scarred myself with the figures...now this is a time where ignorance is bliss!!...I wonder if i eat it in the dark & no one sees then i could just pretend I never ate it lool!! Also brought from home salad & went to tesco to by some mackrel, needed something filling after my yoga class..was yummy, also a treat as I made two payments to the credit card first £50 then after yoga & spurred on by good intentions another £80...prob will leave me with £31.78 in my account to last me till Friday eeek!! Fingers crossed for no unexpected outflows over the next few days... figure if i dont have it I cant spend it.. aww I cant wait for pay day, hope it comes swift & fast!! awww excited!! Best be getting back to work...

hope you all have a wonderful day evening xXx

kerri_gt

Ahh, you are well placed for the Dirty Dozen London 2014 event then

And don't worry about the calories, didn't you know if you eat them in the dark they don't count :rotfl:

Shelbi

Hi Kerri GT, Im now only eating in the dark, I feel so much better...Thanks Hun lol!

I have been missing for a while, well a week but feels like an age..not to worry havent stumbled to far off the mse path, but did lose momentum slightly if im honest...ok so updates, payday has come & gone but it is sitting in my account waiting transfering, unsure whether to move it now or wait until later in the month. I lost my £5 insentive as I went overdrawn...honestly could have kicked myself for that one, it was unneccessary & poor planning, so coming into Novemeber I thought id take stock & continue where I left off. So as it stands £4761.34 & 3 pay packets left (including the amount sat in my account)...Nights out planned- Best friends birthday other besties Engangement party...can I think of anything else..erm nope, still prob need to get more organised. Aww positive note, appears all my friends are into saving at the minute, weddings, homes etc so we all agreed more cheap nights..this has made my day & im looking forward to the upcoming months..Praying for clear weather so can contiue cycling....The final stretch...Bring it on!! sorry its breif but not much action yet lol xXxX

Shelbi

Mini payment made of £28.80 today, funds transfered to fd tomorrow so I can take another swipe at the credit card..my beloved phone is back so I get to be in contact with the world again (though the peace & quiet was growing on me lol)...plus side have all banking apps back so I can keep track, still annoyed I went over drawn but I live andI learn...started the save 10% of all I earn thing again mainly because it feels good to save sonething...im trying to concontrate on saving & wealth whilst I climb back into the black...I find the more I think bills the more I see, so with law of attraction in mind im looking to wealth, I much prefer that any day of the week lol!! Hope everyone is well nighty nite x

Sunflower27

Hello All,

I thought I would check in as I haven't been on for AGES! I have lost my way a little and have come to realise I need this as a support mechanism.

So as it stands today I have £3,898.01 on my CC and I have a £2000 overdraft. Ok so realistically its not going to be gone in two months but its a lots less than what I started with. I just need to keep chipping away at it.

We would like to move next year so I have to keep that in my mind!!!

I will try to check in twice a week from now on.

I hope everyone had a wonderful Friday.

Sunflower

NinjaSavingKat

Shelbi wrote: »

..started the save 10% of all I earn thing again mainly because it feels good to save sonething...im trying to concontrate on saving & wealth whilst I climb back into the black...

Hello honey. I thought I would have a drop by and see what you are up to. Sorry I haven't been able to check in sooner but Challenge Fever got the better of me and I have been snowed under..

So in one thread I read you wanted to be debt free by 31/12/2013..? Is this the case and do you believe you can do it OR make a significant dent in the money that remains...?

What I am wondering then is the savings for an emergency car replacement pot - because that is all you would really need it for - assuming you have a car as you mentioned tanking up...

Otherwise ALL your money HAS to go to the debt with no exceptions!!! Your determination is amazing and I only want to draw on what you yourself said you wanted - to start the new year afresh.

All your money has to go to your debts. Simple as that. Officially you could break it down into the last remaining two paydays...end of Oct, end of Nov and end of Dec...

What are the chances...? You MUST transfer all the money now. Don't wait to "see whats "left" - do it now and be motivated by those dwindling numbers and get ruthless woman.... Come on now I know you can do it!!!

Shelbi

Hi sunflower & Nsk and all in diary land...

Ok so Im reminded of why I only update fron work, long essay & !!!!!! logged out...so this is my 3rd attempt ill try & make it quick and will update properly tomorrow.

Firstly Sunflower welcome back hun...all that matters is that u are back & will keep coming back, as long as debt going down you should feel proud lovely x

Nsk- hi hun, thank you for your message, redirection and guidance was just what I needed THANK YOU! I am still attempting to clear all but had also started to squirrel some funds away as a rainy day pot, I find that I keep paying off debt then get hit by unforseen bills, always have to try loan funds or use my credit card, have the feeling of taking 2step forward one step back still forward I know. The latest is a £900 car bill, which I plan to spit in two & pay off...im still cutting my debt just not as quickly as I hoped, still its not over yet so am plodding on. I honestly dont know if I can clear all but I will give it my best shot... massive congratulations on your plummeting debt totals you really are an inspiration sweet x

Hope everyone has a fab Sunday xx