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I don't need another skinny Latte

edited 30 November -1 at 1:00AM in Debt Free Diaries
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  • SkinnylatteSkinnylatte Forumite
    1.2K posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    Great to see you back x

    Thank you :D
    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!
    ✭✭✭
    Shoot me now!

    I'm just being spendy spendy. It was my sons 21st, and in panic about what to buy him, at the last minute I got a personalised reg number :eek: It was £360. He was delighted with it, but now his car's broken down :(
    Also we had our family Christmas at the weekend. It was the only time we could all get together. So, that's all done with.

    The badish news it, that my friend asked me to go on holiday, and I got FOMO, and booked it. So now I have 2 holidays booked next year to save for as well as debt paying. It will also involve buying a bag to take my bike on an airplane. I'm thinking of it as an investment in my health and mental well being :o.

    Barclaycard: [STRIKE]£1612.50[/STRIKE] £1328 @ 17.68%
    Barclaycard: £4800 @ 0% until Mar 2021
    Halifax CC: [STRIKE]£510.66[/STRIKE] @ 22.2% Paid
    Very [STRIKE]£149.97[/STRIKE] £99.97 0% until May 2020
    Santander Car Loan [STRIKE]£5,893[/STRIKE] £5333 @ 3% until Mar 2021
    Carpet Shop [STRIKE]£165[/STRIKE] Paid
    Total debt: [STRIKE]£13131.13[/STRIKE] £11780.97

    A few charity shops spends today, a jumper and scarf £8. Working away all week so no food shop to do and milage paid.
    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

  • Seasidegal58Seasidegal58 Forumite
    4.7K posts
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    ✭✭✭✭
    Aha! I've found you! Nice to see you back on this side!:)

    How's it going this week?
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • CreditCardJunkieCreditCardJunkie Forumite
    510 posts
    Third Anniversary 100 Posts Name Dropper
    ✭✭
    Hi skinnylatte

    I've just enjoyed reading your entire diary over the past few days, what a rollercoaster you've been on! Just wanted to give you a pat on the back for becoming debt free & spur you on for your next journey!

    I particularly find the way you find a way to make extra income to cover extra spends, something I will try to adopt!

    Good luck on your next chapter!
    Debt Free as of December 2020 👏
    EF £0 / £1000
  • SkinnylatteSkinnylatte Forumite
    1.2K posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    Aha! I've found you! Nice to see you back on this side!:)
    How's it going this week?
    Hey, good to hear from you, I hope all is well x.
    Hi skinnylatte

    I've just enjoyed reading your entire diary over the past few days, what a rollercoaster you've been on! Just wanted to give you a pat on the back for becoming debt free & spur you on for your next journey!

    I particularly find the way you find a way to make extra income to cover extra spends, something I will try to adopt!

    Good luck on your next chapter!
    Thank you so much for reading and your good wishes. Yea the extra income has been a life saver and builds up over time.

    Well work has been manic the last 2 weeks, mostly I've been concentrating on getting enough sleep! All finished now util Jan 6th.:T

    Not many spends this week, as been away. we got paid today, which I must remember has to last until 31st Jan! I'm going to give my self a very easy weekend.

    Frugal things this week...
    1. Free food from the client I visited this week
    2. Big expenses claims this last month, so I ended up paying just 7p on the CC yay
    3. 3 NSDs
    4. $1
    00 in from 123greetings

    Unfrugal things
    • Left my bedroom heater on for 3 days while I was away :mad: DS says 'I thought it was warm'

    Frugal tasks this weekend
    • Check bank and move some ££ around
    • Submit expenses
    • Set timer on bedroom heater
    • Read meters
    • Upload another card to 123greetings

    Have a good one x
    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 I really haven't done much this week end. In fact I've been feeling very out of sorts. Yesterday was a PJ day. I've been out for lunch with a friend (£6) and did a bit of a shop (£33.45), and back in the sofa with my legs up. I don't think my circulation is very good right now, so I'm hydrating as much as possible and I've ordered some compression socks (£9.99).
    All not helped by down stairs flat having a noisy night in last night. I had to go and bang on the door at 3:30am. when I got back from shopping there was a big box of choccys and bottle of wine with a 'sorry' note on my door mat.
    On the subject of wine, 15th Feb 2019 was the day I gave up drinking, this will be my first completely sober Christmas. I felt pretty good in Aldini today, simply bypassing the alcohol aisle, whilst others had trolley's stacked up with the stuff.
    Got paid on Friday, but not had the motivation to have a shuffle round yet. I have read my meter. On the subject of that, it looks like my electric bill for November was £176 :eek: Since I had my heating installed in September. I only live in a 2 bed flat for goodness sake. Anyway I have contacted Rointe the manufacturer and see what they come back with (hopefully a contribution!!).
    Hope you've all had a fun frugal weekend x
    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!
    ✭✭✭
    Hello diary!
    I hope everyone had a fun Christmas. It took me most of the week to get my energy back. I've been on a 30 mile bike ride 'festive dash' with a friends today, and now laid with my feet up in front of the TV.
    I've bought some new running shoes, £70. They're black and quite smart so I can wear them for work when I'm abroad and also have a run in the evening. All part of my new year new healthy me goal.
    On boxing day I googled all my ailments "food to improve 'insert ailment here'"
    And now have a big list of lovely healthy foods, meat doesn't really feature so it looks like mainly veggie inc fish which will be frugal.
    New years resolutions ... be healthy, pay off my CC. That's it - simples :T
    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

  • Seasidegal58Seasidegal58 Forumite
    4.7K posts
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    ✭✭✭✭
    Belated Christmas wishes skinny!

    I love your googled list of foods to improve your ailments. Such a good idea!

    And a nice short list of NY resolutions - but very important!

    I hope 2020 will be your year skinny and have a good NY eve!

    See you on the other side! X:beer:
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • Lucy5781Lucy5781 Forumite
    679 posts
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    ✭✭
    Nice to see you back :)
    Credit Card & Overdraft Debts Jan 2012: £16,000+ :eek: [STRIKE] Credit Card & Overdraft Debts Sep 2013: £13,023 [/STRIKE]
    DRO Completed: 30/09/2014 :T
    30/09/19 - Details now dropped off debt register. :o

    My Diary - http://forums.moneysavingexpert.com/showthread.php?t=4202761
  • SkinnylatteSkinnylatte Forumite
    1.2K posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    Thank you SOOO much for stopping by you guys.

    Well back to work with a double bang, it's been totally manic, I've already been to Belguim, Holland, Kent and the North of Scotland! Anyway, making up some nice milage claims. I had to buy a new washing machine for the Airb&b, which set me back £370. However totals are now as follows ...

    Barclaycard: [STRIKE]£1612.50[/STRIKE] £997.80 @ 38.12%
    Barclaycard: £4800 @ 0% until Mar 2021
    Halifax CC: [STRIKE]£510.66[/STRIKE] @ 22.2% Paid
    Very £149.97 [STRIKE]£99.97[/STRIKE] 0% Paid
    Santander Car Loan [STRIKE]£5,893 [/STRIKE]£4871 @ 3% until Mar 2021
    Carpet Shop [STRIKE]£165[/STRIKE] Paid
    Total debt: [STRIKE]£13131.13[/STRIKE] £10668.80 - 18.75%

    DS has now got his start date for the police woohoo, in July. It's only taken 2 years since he passed his interviews!! DD flies to Asia next Friday to do some travelling before starting Uni in September.
    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

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