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

fedupandskint

£10 overpaid on the loan from eBay after fees and postage paid.

One more day at work and it's summer holiday time! Can't wait, hope it's good weather!

Not much to report apart from up to NSD 9 today

debtfreewannabe321

My hayfever has been awful this year, have just switched tablets on advice from the pharmacist and they seem to be working already :T I felt awful for weeks upon weeks and all it was was the wrong tablets What are you planning on doing with the garden? I can't wait to move and have a garden that is mine to do with as I please (can't change much in the one i'm in now).

Where are you going on holiday? Anywhere nice xx

fedupandskint

The garden just needs clearing up of weeds and then a tidy up, half is looking much better now it's done.

I feel like the hay fever symptoms have been kicking back in again this week once more too.

Holiday is somewhere nice! Hoping the weather stays fine to do lots of cycling around too!

debtfreewannabe321

fedupandskint wrote: »

The garden just needs clearing up of weeds and then a tidy up, half is looking much better now it's done.

I feel like the hay fever symptoms have been kicking back in again this week once more too.

Holiday is somewhere nice! Hoping the weather stays fine to do lots of cycling around too!

Oh fab enjoy :cool:

I love my bike and don't use it enough, it's got a flat tyre atm so need to wait for dh to come home to fix it i tried to pump it up and kept deflating it everytime so kind of gave up

My son has worse hayfever than me and the drs told him to try beconase, he said it's been working well for him so far! He's been in Wales on a geography trip all week so normally his hayfever would be really bad but he said he's fine :T

fedupandskint

Holiday time has arrived, yipee!

NSD 10 in the bag and flapjack making time now ready to go

fedupandskint

I'm back after a brill holiday, absolutely great! Just managed to stay on track with the holiday budget too which is always good.

It's taken some time to get back into the work commute routine this week too!

Bathroom renovation starts on Monday and it's almost ready, after being ripped to pieces in preparation. Fingers crossed it all goes well.

I won't be on much next week as I'm off staying elsewhere. So far I'm up to NSD 23 today and no clothes spend day 22. I paid in full for the car insurance and used the remaining money to pay back into the accounts for the trainers and top, all neutralized there, excellent! Then after discovering the mortgage company took less for the loan I enquired as to why, they are writing to me to tell me, I discovered the total amount loan had reduced by another £200, which is more excellent news!

Long day at work tomorrow then short day Friday, almost at the weekend!

fedupandskint

Exciting! The Commonwealth Games begin, lots of TV watching over the next 11 days I think!

fedupandskint

Yippee, it's the weekend!

Baking hot here today.

Anyway, after a boring morning at work, arranged some overtime which will come in handy to convert into time off. Went to talk to the bank this afternoon for my annual review which was incredibly helpful once again. After going last year things really clicked into place so I decided to go again this time around. Once again very helpful especially regarding this long term loan I'm paying off.

Once I've paid off the lump sums later this year I'm going back to work out what's the best thing to do for me then along with stopping my fee paying account once I've paid off the other loan and got the repayment reward through.

Amazing how much progress can be made in 12 months, looking forward to the next 12 months to see how much progress has been made then. Whatever happens I will have paid a large amount of that long term loan, paid off in full the other loan, stopped paying a fee for my account and maybe started to overpay on the mortgage which is the the thing I really wanted to do at the start of all of this. Of course, the debt had to be repaid first and I'm well on my way!

NSD 25 and no clothes spend day 24

This weekend will be full of lots of jobs to do before the renovation work starts.

fedupandskint

Number crunching tonight while watching the Games.

Figures are looking good for the new plans by the end of the year, I should be able to settle the long term loan onto a 20 year shorter term, overpay on the mortgage, have all my current savings carry on for the budgets, save for the house renovation work and have more disposable income.

The hard work budgeting this year has really paid off in a way I didn't expect at all. I keep working it out thinking I've missed some outgoings. Who would have thought saving up to pay house and car insurance in one go would make such a difference? Seems this frees up more money than I expected. Paying off the other loan opens up more options too.

I've worked out a maximum amount for another loan, reduced the term as much as possible for the amount and reduced the amount borrowed as much as possible. Still means I need to get the loan amount down as much as possible over the next 4 months by overpaying as much as I can. Better get ruthless and back eBaying with a vengeance once again. It's quiet on there over summer so things are ticking over slowly at the moment. Gives me time to find more things I neither want or use to photograph and sell. If I get the loan amount down even more it's well worth it.

fedupandskint

End of month round up time.

Going out budget Total: £20.90
Coffee: £4.60
Meals out: £16.30
Pub: £0

Holiday spends on all this came out of the holiday spends budget and not counted here.

Shopping challenge: £117.73/£100 - over by £17.73
Petrol and train: £116.57/£120 - under by £3.43
Clothes: £23 - other spends paid for out of other budgets and neutral spends

Quite pleased overall considering went on holiday and managed just to stay on budget there too.

A few more financially tight months on the way but getting there now.