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I don't need another skinny Latte

edited 30 November -1 at 1:00AM in Debt Free Diaries
673 replies 99.2K views
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  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    It's been a pretty good couple of weeks. I can't think of anything I've spent that I didn't need or couldn't afford. I made some good payments towards the CC on payday, and the total CC bill now stands at £3613 which is 45% so far to date. The books have now been finalised for my small business, and I'm hoping I can take out £1600, which will bring it down to £2000, fingers crossed.
    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
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    All going well skinny.  Well done on the non-essential no spends!
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    Yay, lovely accountant came good, £1600 winging it's way to the CC :smiley:
    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

  • edited 22 March 2020 at 2:32PM
    Seasidegal58Seasidegal58 Forumite
    4.7K Posts
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
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    edited 22 March 2020 at 2:32PM
    Hope all is well at your end skinny. 

    Happy Mother's Day. 💐💐💐
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    Hope all is well at your end skinny. 

    Happy Mother's Day. 💐💐💐
    All up the air as everyone else. Thank you for stopping by 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

  • Seasidegal58Seasidegal58 Forumite
    4.7K Posts
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    ✭✭✭✭
    I can imagine - it's awful.  I imagine you're working from home. How are DD and DS?
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    Good evening. 2 posts in a 2 days blimey. I'm just using up some time as I'm waiting for DS to come home from work before I go to bed. I also made a cake (I NEVER make cakes!) and I'm waiting for it to cool before I ice it. It has been a busy day, 1 hour coaching with work, I cycled, tidied the house and cooked. 
    I start each morning skyping a friend, we agreed to do it at the start of lock down, we just touch base, have a chat and make sure each other is OK.
    The only spend for today was renewing my car insurance, saving £60 on the renewal price, plus £30 cash back ... kerching :smile:
    I also paid a whole £2 off the CC! I actually have enough savings to pay of the CC, but I'm very loath to do so, I would be very uncomfortable with out a safety net at the moment. It's payday on Thursday so I'll take stock then.
    I had an email today from work, we have a team meeting on Friday, there was no agenda so I've no idea what it was about. 
    I hope you'e all keeping safe and well.
    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
    ✭✭✭✭
    Glad you're keeping safe and well skinny. You are certainly keeping yourself busy - well done with the volunteering. ⭐️  I laughed though when you said you'd baked a cake - that's one thing I've not got around to - making myself treats from scratch - there's only me here and I'd eat the lot in one go!😂
    Hope your team meeting proves informative. 
    A good idea to keep some money back - you never know when you'll need that emergency fund. 
    Take care. x
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    Seasidegal58. Your checking up on me is lovely and really does keep me motivated, even though my posting is very sporadic nowadays! So Thank you xx.
    Yesterday I ordered 3 new inner tubes for my bike as I realised I didn't have any, and what on earth would I do if I had a puncture (£16). I've found a small pump and dug out some tools which all fit neatly into a water bottle that I can keep in a spare holder on my bike. When the tubes arrive tomorrow I'm going to teach myself how to change one incase I do get a puncture. I cycle a lot, it keeps me fit and sane. When I've been out in lock down I've been mindful not to go too far incase I had a puncture or mechanical fault, I could still walk home. After lock down I'm going to do a cycle repair course!
    So jobs for the day, I have a work coaching call, then a virtual lunch with a friend, then a phone buddy call with an old guy on my town he can't get out and is lonely. I wasn't sure if I'd be any good as a phone buddy, as I don't really like talking on the phone. But it turns out he does all the talking and I just listen. His stories are lovely, I was moved to tears when he told me about his romantic life, and today he's going to tell me about growing up on the war. This afternoon I'll cycle, and this evening we have a zoom call with the local scrubs sewing group. I can't sew, I just do the techy social stuff like run the facebook page and set up the zoom meetings.
    I better get on with it, take care and stay safe all 💙🙏💙
    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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