2014 - keep crunching away

DebtFree2012

Oh - still no Quidco update nor paypal payment.

DebtFree2012

Morning diary land

Yesterday ended up going by in a blur. Work is busy - I'm able to manage myself and my own time but it means I have to be very organised and thorough which isn't easy when you're on countdown to holidays. However I managed to get quite a bit of good work done then had meetings last night (no yard on Tues) and spent a bit of time with DH to keep him sweet

Today is busy again and I have a plan for the day which is going ok.

DD hasn't been very well but she seems a lot better today so hopefully will keep getting better and then will ride tonight (always a good medication). I'm looking forward to a nice evening at the yard.

Ald1 tonight before the yard tho. I'll update my spends so far this month after this post as I need to see where I'm splodging there.

Still nothing from Quidco claim nor paypal. Ebay is getting a few small bids which is great - they are due to end tomorrow night I think it was.

No other spends needed and I've still not needed to put diesel in - 100 miles left.

DebtFree2012

[STRIKE]
Fuel (house) saving £100 ACTUAL £100
TV £12.12 ACTUAL £12.12
C Tax £194 ACTUAL £194
Water £41.88 ACTUAL £41.88
TC/BB/Phone £48.49 (lower than normal due to a compaint I made) ACTUAL £48.49
Mortgage (me)£250 ACTUAL £250
Savings £70 (farrier etc) ACTUAL £70
Can Ins£50 ACTUAL £50
[/STRIKE]
Lotto £20
School £20
Groceries £225
Fuel (car) £200
Horses £298
Total out of that account £1529.49

Other account (method in my madness of 2 accounts)

[STRIKE]
Savings £15 ACTUAL £15
Mobile £27 ACTUAL £27.40
Loans £661.53 ACTUAL £661.53
Hoss Ins £19.44 ACTUAL £19.44
Other CC's £125 ACTUAL £106.05 (due to paying off
CC's)
[/STRIKE]
Total £847.97

DebtFree2012

[STRIKE]July 2014 - open loan, pay off original CCV balance[/STRIKE]:T:T:T
[STRIKE]August 2014 - move CCR to CCV if 0% offered[/STRIKE]:T:T:T
[STRIKE]August 2014 - close CCR[/STRIKE]:T:T:T
[STRIKE]December 2014 - move CCT to CCV and close CCT[/STRIKE]:T:T:T Done early
March 2015 - bonus due - make payment of c£750
April 2015 - company payrise, min 3% normally, payments up by £50 month
July 2015 CCV 0% (was CCR) runs out - ACTION NEEDED
September 2015 - CCF runs out so move CCF balance to CCV at 0% - All CC's in one place now
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
March 2017 - bonus due - make payment of c£750
April 2017 - company payrise, min 3% normally, payments up by £50 month &
July 2017 - Final payment to CCV - 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

Wahoo - 2 cards closed. Head down and payments made until March now (assuming and hoping nothing changes for the worse!)

DebtFree2012

July's pay: Grocery spends:

Sun 27th July T£sc0 - £47.73 (£177.27 left)
Wed 30th July Ald1 - £53.20 (£136.81 left)
Sun 03rd Aug Ald1 £44.79 (£92.02 left)


Diesel:
Sun 27th July - £50 (£150 left)

Christmas so far
£11.25 DS smaller gift
£2.99 * 2 DF stocking filler book
£26.97 DD/DS medium size - (hugg!£ buddy whilst on offer)
£12.74 (50/50 each) Stocking fillers for both children from amazon

DebtFree2012

Afternoon

A seriously busy day so quick update from me.

Couple of survey's done before work and alot done laid in bed last night as I couldn't sleep. I did a swags one too - after being screened out of a few annoyingly.

Swags refunded my SB's as paypal declined my order! Annoying but I've hopefully got it sorted now.

Finish work at lunch time tomorrow for 2 weeks wahoooo so trying to prepare for that now. Got 3 days to myself with the kids then DH is off too. 1 of the 3 days the dentist's coming for the horses and the other 2 will be beach/park days with picnics.

I didn't go to Ald1 last night but will need to pop over for milk and fruit tonight.

LAM2011

It all sounds like its going in the right direction. How annoying re paypal - hopefully you wont have the problem each time.


Enjoy your time off. I end up using days off for horse stuff. My horse gets better treatment than I do lol. Don't when I last saw a dentist but she sees one every year. She gets new shoes every 6 -7 weeks - I cant remember when I last had new shoes lol.


Don't work too hard this morning trying to get everything done before you finish

DebtFree2012

I'm still smiling from reading your diary LAM ! So pleased for you. I see you have your badge - ahhh!


Right quick update for me, had a fabulous day with horses and then ge0caching all afternoon. Really enjoyed it and free and found countryside we didn't know existed.


All is well here, ebay sales made but need to tally it up and post them on Monday. I've had a spendy day as we've booked the couple of nights away whilst we're off and I've needed to pay my share but to be expected during the summer holidays - the other days will be free or small spends and fun.


Take care x

DebtFree2012

Happy Sunday diary land.



It always feel fantastic when I know I have the next day off too 2 weeks holidays for me at the mo.
Horses brought in this morning as we're due bad weather and indeed it's just starting - the end of hurricane bertha or something or other.
Today we're going swimming which DH is paying for and then a Sunday lunch of pork joint. Hoping to go ge0caching too but that's weather dependant. We're not fair weather people however I don't fancy strong winds and lashing rain
Another ebay sale of DD old jods which no longer fit, even with long riding socks on lol. Went for £3 so could be worse, she needs a new pair actually.
Not going to Ald1 today - I am going to manage with what we have in.
Finally DS has asked for a jumper for the stables and the one I got DD a year ago is still being sold, they are personalised from ebay and the pic they use (native pony) just happens to look exactly the same as our pony. It's got 10% off today too so bonus. That will come from the xmas pot tho.


Right I best go and find the swimming costumes. Have a great day everyone.

LAM2011

Chucking it down here too. I have just been and brought mine in for the day - will see how it is later as to whether they go back out. Brought in friends too. One of mine is attached to another who wasnt coming in so was performing. I dried her off put a raincoat on and stuck her back out. She was shivering bless her.

We are also having pork for lunch.

Enjoy the swimming x