2014 - keep crunching away

DebtFree2012

Went to Ald1 - will update figures tomorrow. Also put fuel in. I picked up some veg to allow me to do a stir fry type meal tomorrow so just need chicken out for that.

Feel completely wiped out - where do people get there energy from?

DebtFree2012

Oh and I've a couple of pairs of kids shoes which I think will sell well on ebay so going to get them on to hopefully get a few pounds. Not tonight tho.

DebtFree2012

Groceries
Wed 25th (Ald1) £23.90 (£176.10 left)
Thur 26th June (S@insbury's) £3.99 (£172.11 left)
Sun 29th June (Ald1) £11.21 (£160.90 left)
Tue 01st July (Ald1) £11.10 (£149.80 left)
Wed 02nd July (Ald1) £8.61 (£141.19 left) stuff I forgot the night before!
Sunday 06th July (Ald1) £29.40 (£111.79 left) minus £26.46 take away sh1te (£85.33 left)
Wed 07th July (Ald1) £27.96 (£57.37 left)

Diesel
Thur 26th June £50.12 (£119.88 left)
Tue 01st July £50.03 (69.85 left)
Wed 07th July £30 (£39.85 left)

So diesel probably isn't going to last until 25th (pay day).....

Christmas so far
£11.25 DS smaller gift
£2.99 * 2 DF stocking filler book

DebtFree2012

I received a call yesterday to check it was me that put the loan request in so it's being passed through where it's supposed to go. I remember they did that last time.

DebtFree2012

We've decided to get some coal and start stocking up at the weekend. DH will buy the first lot. We ran out last year so need to watch what we're doing this year and stock accordingly. We have some wood too but need some more. I might know where there's some seasoned.

DebtFree2012

The last few days (since I had a panic on) I've been feeling in a (not nice) dream world.
The reality that my debt won't be paid until 2018 is sickening however I then realised it's "only" 3 years 8 months away. I realise it's going to be a tough 3 years 8 months and it's all down to my own fault. I know I have horses and things and it'd be loads quicker without them but I take that on and it makes me realise that it's my own decision to wait 3y8m because of that so it eases the sickening slightly.
I have a good job, great family & cosy home, working car etc so I will never complain about life like that. I do however look forward to being DF and pursuing some of my dreams.
I hate what I spent on to get in this situation and I know that I won't go there again as I am truly a different person to the materialistic / careless one I used to be.
So taking everything on board and trying to get myself out of the lull / sad feeling I need to think about what we can fill the next 3y 8 m with - set a bar for the future, not let money run our lives and think about what truly makes me tick, what we can do as a family to have fun, getting back to basics and do my crafts/knitting, enjoying the house, what will make my children have happy days and fond memories, cooking & baking, planting things, spending time with DH like we used to.....Lots and lots of things like that. The horses are HUGELY important and take up several hours a day - but I want that to be stress free hours instead of rushing and worrying. Time to take my life back.

DebtFree2012

Yey loan approved it's en route to my account but will take up to 5 days to hit so patience my friend, patience.

DebtFree2012

Right everything in place for new plan of action.

When the loan hits I will pay off CCV immediately meaning a card with 12.5k limit and no balance. I will keep this one open as I would like them to offer me BT which I will then put CCR onto as that's running out this month. I will then close CCR. That leaves CCT which runs out at Xmas so I will move that over too and close that out meaning I will have CCV with 0% balance on it and the new one with the 0% (OD) balance on it. I will have closed 2 cards out and have the 2 loans both completing in the same month.

Breaking it down:

July 2014 - open loan, pay off CCV
August 2014 - move CCR & CCT to CCV if 0% offered
August 2014 - close CCR & CCT
March 2015 - bonus due - make payment of c£750
April 2015 - company payrise, min 3% normally, payments up by £50 month
October 2015 - last payment to SLC
November 2015 - up CCV payment by SLC amount (£146)
March 2016 - bonus due - make payment of c£750
April 2016 - company payrise, min 3% normally, payments up by £50 month
November 2016 - last payment to CCV
March 2017 - bonus due - make payment of c£750
April 2017 - company payrise, min 3% normally, payments up by £50 month & LAST PAYMENT TO CC EVER
Loan not due to finish March 2018 so I can either save every month from April 2017 to have some savings OR save and pay the loan early. A decision I will make nearer the time

Not that I like to plan or anything......

dawnybabes

It's good to plan :-)

DebtFree2012

Thanks dawnybabes )

It's good timing as I've just had CCR's statement through and as I thought this month is the last at 0% and predicted interest next month is more that my minimum payment! So I'm really pleased the loan's coming through and hopefully I'll be able to transfer the residual to 0% before that interest hits meaning I don't have to pay out more interest.
Also if the loan comes through in a few days as planned then I will pay CCV n full meaning no more interest there either. I owe them enough without interest too lol.