Enjoying the journey - budgeting, saving and remaining credit card free

fedupandskint

Checked out the bathroom suite with the builder and have the go ahead that it will fit. Will order it tomorrow ready for when the work starts - there's still a long time to wait until that starts.

As it's payday today I managed not to spend any money! NSD 22 and no clothes spend day 28.

Bathroom spends coming out of the house renovation budget tomorrow. Budgets and savings all set up and done and dusted for another month ahead.

fedupandskint

Totted up the amount saved up and overpaid for the long term loan, upto 15% now! going very well indeed.

fedupandskint

TGIF!

Three quarters of the cleaning done this afternoon after work and the washing all dried outside.

Onto week 3 of ripped in 30 which is certainly a step up from the first 2 weeks. Have felt very tired this week and a bit out of sorts. Nearly talked myself out of it earlier and glad I did it!

No pennies spent today making it NSD 24 and no clothes spend day 30

fedupandskint

Forgot to mention, new bathroom suite ordered, really glad about that and excited about how the bathroom will look after all the renovation is completed. Had a little daydream about the next room to do after that and hoping there's enough of the budget left over to get it done and decorated with new curtains and carpet after replastering and decorating.

fedupandskint

A great weekend that flew past!

Anyway, finances all updated of course and all on track with savings and budgets and bills and the rest. Another tight month of course and only 2 days in. Still I know what's been paid, payments made and what is left over for me. Not much but that's ok with me.

Day off exercise today after lots of cycling yesterday and aiming to get another ripped in 30 session done tomorrow.

NSD 2 and no clothes spend day 2

fedupandskint

Compo cheque arrived and is now paid into the bank waiting to clear before it wings its way to the loan overpayment.

Looks like camping weekend is off due the weather, ho hum never mind.

NSD 3 today and no clothes spend day 3

fedupandskint

DFD down by 7 months earlier by my calculations if I stick to my plan. Good news and might even be a month or soon before that if the interest brings the total down more than I've estimated.

Full of cold today so no exercise today apart from the usual walking. Night out tomorrow on half price pictures, yippee!

fedupandskint

I'm back after a lovely overnight stay away after the camping plans were derailed by the weather. It was great, completely relaxing and felt like a proper break. Had a good look around a massive bike shop too which is always a good thing to do!

Cold worsened and worsened and after feeling decidedly rubbish yesterday feel better today so hopefully that's on it's way at last.

Have transferred some survey points into PayPal to go towards to loan overpayment when they arrive, another £9 made to pay off.

Winter shoes bought today which need a lot of breaking in and some supportive insoles too for my feet but they are a really good price with 40% off and the ones I've been hankering after for the last 5 months!

debtfreewannabe321

just catching up

Well done for forward thinking on the winter boots! You've got the right idea there! Has the bathroom been fitted yet? xx

fedupandskint

Bathroom renovation due to start in about 6 weeks time. Can't wait until it's all done and hoping it looks good.

Not much to report today apart from a NSD, food shop done and lots of washing dried in the lovely weather. Only the morning to work tomorrow and then back home to catch up on the cleaning and housework.

Horrible cold kicked back in today after feeling much better yesterday so exercise is off until it clears up