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SarahNeedle1872 - DFW Diary
Comments
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Ohhh sarah thats a hard one... How long will it take to re-save the £300 once you are debt free?0
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Why dont you do half & half?I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 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. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
A couple of months.... I'm gonna have a play with the snowball to see what difference it makes...postingalwaysposting wrote: »Ohhh sarah thats a hard one... How long will it take to re-save the £300 once you are debt free?'We are all in the gutter, but some of us are looking at the stars' - Oscar Wilde0 -
Right, putting on the extra £300 only brings the DFD forward by one month, and I think I would feel guilty using that money for debt - so I am going to leave it where it is..... I am going to count up the sealed pots tho (not the terramundi) and pay that off a debt, because its not earning any interest sitting there by the tv (and its tempting for OH to dip into it!).... Will do that next week when I am off....
OH has just been accepted for a 'real' bank account so he can ditch his basic one.... I applied for him, and requested no overdraft and no cheque book, so I think that's why they accepted him...'We are all in the gutter, but some of us are looking at the stars' - Oscar Wilde0 -
* Phone BT and remove call barring/ make sure on cheapest package
* Phone AOL for MAC code (for the third time!)
[strike]* Food shopping using list/mysupermarket[/strike]
[strike]* Washing Up[/strike]
[strike]* Clean Kitchen[/strike]
[strike]* Clean Bathroom[/strike]
* Hoover - downstairs done!
[strike]* Put away laundry[/strike]
* Walk Charlie
[strike]* Post Amazon packets[/strike]
* Cook food for Connor for freezer
* eBay pictures
[strike]* Have/need list for cleaning products/toiletries[/strike]
* Empty/clean compost caddy
[strike]* Put out rubbish/recycling[/strike]
Managed to get a couple more jobs done.... will have to continue tomorrow night!'We are all in the gutter, but some of us are looking at the stars' - Oscar Wilde0 -
well sarah at least you investigated it and didnt just do it! You will have to tell us how much is in your sealed pots. I really should empty my 2p/1p camper van as i cant fit any more in and pile are appearing around it :rotfl:. well done on your oh getting a bank account. Things are looking up. Not much left on your list then. Are you off tom/the weekend or are you working?0
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Back at work tomorrow day time, the off Sat/Sun.... going to a wedding on Sat, then out for a meal on Sun with OH's family and SiL's OH's family..... then off to see my Mums in the evening... Must post cards tomorrow tho, hope its not too late!'We are all in the gutter, but some of us are looking at the stars' - Oscar Wilde0
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Payday today :T but as quick as it is coming in, I am getting rid of it again! Or trying to at least...... I have worked out that this month, we can pay a total of £1020.37 off the debt, this includes:
£150 from OH
£223.25 loan payment
£439.53 Olympic Challenge money
£123 Council Tax payment (last free one before we have to pay again, and u just KNOW its going up
)
£84.29 from this months food/other budgets (just remebered I spent this yesterday :eek: and its inc in the CC balance)
This is before any 'extras' that I make from eBay/Amazon (have an, as yet uncounted Amazon sales, so there goes a couple of extra quid!)
I am quite excited as this is the first time I have been able to snowball properly, as my previous CC debts were all 0%, which just meant I have to save the money, not snowball it....
Happy days
.... oh and I have decided to leave the OD til last, as the first £250 is 0%, and I want rid of the CC's first..... 'We are all in the gutter, but some of us are looking at the stars' - Oscar Wilde0 -
Sarah, its great to see you snowballing successfully Good choice about the od... get rid of the intrest paying ones first :T Huge amount payed of this month ~ well done :j 0
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Unfortunately I haven't actually been able to pay any of it yet...... The loan payment should have come out today, but hasn't gone thru (even tho I have reduced my sig), one CC statement was also due today, but nothing showing online yet, and the other statement isn't due till the 9th, but will be cleared once it does come thru....
I end up wishing the month away so that I can get things paid!'We are all in the gutter, but some of us are looking at the stars' - Oscar Wilde0
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