I don't need another skinny Latte

edited 30 November -1 at 1:00AM in Debt Free Diaries
673 replies 99.3K views
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  • Nice one! x
    £2 Savers Club 2014 £54 £20 Jan £14 Feb Mar£8 April £14[
    LBM FEB 2013 32,000 total.
    May 2014 Mum 1500/3000 MB CC 8,043
    BC1 1,900 BC2 5,551 TES 4,896 Nationwide 5,490
    Overdraft 3000 Total debt Feb 2014
  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    A quiet day today, the bloke turned up to collect my piano, so there's £400 cash burning a hole in my pocket. For a nano second I thought about a trip to town shopping, but I promise you it was just a fleeting thought. :rotfl:

    I'm going to phone the garage tomorrow and get it booked in for a service. It does a lot of miles and earns me a reasonable income in travel expenses, so I should look after it better.

    Uploaded a new video today, and flogged a couple of bits on Facebook, £4 onto the sealed pot. Cooked a lasagne & shepherds pie for later in the week.

    I spent the rest of the day mooching around a new forum I stumbled across (http://www.themoneyshed.co.uk/), all about making money online so it's right up my street.

    I learned there that Nectar have a survey site which I'd never heard of before (http://www.nectar.com/collect/nectar-canvass.points), more lovely nectar points :T and less boring than adpoints

    Had a lovely night out with my pal yesterday, only with the bus fare, 4 rounds each and a bag of chips (how frugal are we) it racked up the best part of £30. :eek:

    I can't believe the weekend is over already, up at 6 again in the morning and start the weekday hamster wheel.

    Thanks for reading xx
    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

  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    Rung tax credits today to find that they're putting the remaining overpayments on to my tax code in April, and the £198 is for me, to keep :j:j:j
    So with £350 from the piano and £198 from mr tax man I make that £548 in a couple of days.
    Along with every silver lining there's a cloud (apart from the fact my tax codes going to change and net pay will go down), I checked the service book for my car today to find it's over due it's service by 10,000 miles, woopsie hang my head in shame :o
    What's the betting the car service on Friday comes to about £548!!

    So I'm going to take that tax credit debt off my total, I think if they're collecting it in my tax code then I can't see it, don't get a statement and can't overpay, so therefore it's GONE, I like my thinking.

    Have done far too many surveys today, so boring, and I can't face adpoints.
    I did book my airport parking for a business trip and got £8.63 via topcashback :T

    Nearly had a no spend day, but parted with £18 at the dentist for a check up and clean, luckily nothing else to do.

    Sold another item on FB, being collected in the morning, £5 in the sealed pot.

    Off to update my siggy :j
    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

  • You are doing really well.....I know it seems like having a success then something takes the money...but keep the focus!

    RR xx
    £2 Savers Club 2014 £54 £20 Jan £14 Feb Mar£8 April £14[
    LBM FEB 2013 32,000 total.
    May 2014 Mum 1500/3000 MB CC 8,043
    BC1 1,900 BC2 5,551 TES 4,896 Nationwide 5,490
    Overdraft 3000 Total debt Feb 2014
  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    OMG just had an email at work saying we are getting our bonus's in full this year :j:j:j on 27th Feb.
    £4545 for me, however after tax etc I think there will be precisely half this left. However shhhhhh, don't tell the kids, as this is going straight into my debts.
    Oh I'm so exited I don't know what to do with myself :rotfl:
    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

  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    Well what a day...I've spent most of the day planning which debts to pay off with my bonus, I have a plan.

    1. Pay off my overdraft
    2. Pay off my smallest credit card. I will now use this card to pay for fuel and food (not Aldi shop) and pay it off in full each month. This is a 1% cash back card, so should reward me maybe £50 per year
    3. Pay the rest off the Barclay card, or as much of it as I can, which is on 6.9%
    4. I've opened a Halifax rewards account today. Each month I will transfer £750 from my main account into this for my fuel, groceries and other spends. I need 2 direct debits from this account and then the account will pay me £5 per month for being in credit.
    5. A set amount will then be in my other account to cover all the direct debits and debt repayments. My savings pots are linked to this account from where they're funded.
    The result is a much simpler and clearer budgeting system, and I shouldn't have to spend the last half of each month totting things up, accounting for the overdraft and worrying whether the respective ends will meet.


    Other frugally things
    • Working away for a couple of days, so living it up at Premier Inn and have just had a pizza hut delivery.
    • £73.50 payable from topcashback after I changed my life insurance policy earlier in the year
    • 50p topcashback for joining match.com:rotfl:
    • and 70p topcashback for my pizzahut delivery paid for on my work credit card :)
    • £5 in my sealed pot for a FB sale collected this morning
    • Cancelled Sky movies and sports that I had for £10 a month over Xmas
    No frugally things
    • Bought chocolate cookies and fags :mad: for DD
    I also had a really great endorsement from work today, I can't go into too much detail as I can't talk about my work here, but it's a massive boost to my confidence, and will also be well thought of my those higher up, so today is a good day for my career, in fact it's been a great day all round. It makes up for the crappy time I had over New year.


    I'm going to celebrate with a cup of tea and a bath :T


    I hope you all had a successful and lovely day, and thank you for your encouragement and keeping me on the straight and narrow. XX
    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

  • WELL DONE!!!! YAY!!!!!
    RR x
    £2 Savers Club 2014 £54 £20 Jan £14 Feb Mar£8 April £14[
    LBM FEB 2013 32,000 total.
    May 2014 Mum 1500/3000 MB CC 8,043
    BC1 1,900 BC2 5,551 TES 4,896 Nationwide 5,490
    Overdraft 3000 Total debt Feb 2014
  • ChardonnayChardonnay Forumite
    766 Posts
    Tenth Anniversary
    ✭✭✭
    Wow, it seems like things are going great for you! You'll have that debt paid off in no time! :)

    I love spending time looking at my finances and planning what to pay off too...it's almost like a hobby sometimes! The feeling of excitement when you pay a debt off is amazing! :D

    Hope your run of good luck continues!
  • dawnybabesdawnybabes Forumite
    2K Posts
    Part of the Furniture 1,000 Posts Name Dropper
    ✭✭✭
    That's fntastic news xx
    Sealed pot challenge 822

    Jan - £176.66 :j
  • what great news Skinny! Wish I had a lovely bonus coming.

    I ave my 18 month review next week but after pay rises at 6 month and 1 year it is very unlikely to happen again!

    You seem to be very focused at the moment! I need to jump on board too!

    OF x
    Orange Fairy
    House Purchased April 19 :) CC1=? CC2=? DH CC= Mortgage Overpay = £0 Savings = £0 Xmas savings = £0 Weightloss = 0 lb


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