2014 - keep crunching away

LAM2011 · 2 September 2014 at 9:09PM

Doing well DF -

The local allotments used to come and collect our muck heap and I think they said 6 months or longer.

Have you done anymore jumping on the big girl ?

DebtFree2012 · 2 September 2014 at 9:47PM

Thanks Lam.

I have, been doing lots of practicing for the shows which start soon (sjust local jumping) - the only thing is she's got no breaks at the moment so I think I need to try her in a slightly stronger bit again but that's when the problems started last time. Turning her when she's like that is hard! I'd have to do a full lap of the school before coming to each fence!

I do love jumping her tho, she seems to enjoy it too. The pony has also got over his fear of coloured poles so that's a bonus as it's giving DD a break from fighting with him.

DebtFree2012 · 3 September 2014 at 10:23AM

Morning world

Well even tho I have more time on a morning now DS is in school instead of having to leave early to drop him off, I seem to not have enough time!

I'm getting up and doing 30 mins of surveys but alot of that is just checking for new ones. I tried for another big sw@gs amount but got screened out - darn it! Would've taken me to £5. I think I need to update my profiles on the other ones as I don't see to be getting any offered. I've forecasted onep0ll to show me when I will reach my threshold of £40 and it won't be until mid October so I may have that as September's pay challenge......

I've met my ebay challenge and even doubled it so really pleased there, (it's already been paid to CCV). I'll keep ebay at £10 for next month as I think I've sold all the bigger financial items now! Will update sig.

I did sausages in the SC after browning them and goodness me they were divine! Now I'm not normally a lover of them in gravy meals however this will be on the menu again now!

Loads to be getting on with at work so the days are ticking over there and we're making the best time of home life too so all is well in DF's land.

DebtFree2012 · 3 September 2014 at 11:37AM

OK so I have a settlement figure for my accounts. I will have to pay £424 for the privilige. The accounts are currently 9.9% and 8.4% and I've been offered a new % of 6.2%

The 6.2% monthly payment is £92 less but for 4 more months (I can overpay to reduce that).

The repayment amount is valid until 01st Oct so I will think about it. Any advice welcome. Is the long term benefit of 6.2% worth the get out fee of £424. Obviously overall the 6.2% one would cost me less.....

DebtFree2012 · 3 September 2014 at 11:46AM

Just done the overall figures and after fees I'd only save (over 42 months) around £500. I don't think that's worth the worry of transferring it all etc. I'm up and running as it is now so I shall continue. Glad I got my head around that one!

DebtFree2012 · 3 September 2014 at 12:05PM

Right, metre readings are also under budget. I won't use that budget difference this month just in case next month it goes up however the prediction is £100 TOTAL spare over Aug/Sept/Oct (billed quarterly) so I shall maybe wait until October's pay to overpay that one to be safe.

DebtFree2012 · 4 September 2014 at 8:58AM

Mornin diary land

Well a lovely night was had at the yard - I jumped a course on the big girl and we did amazing. I messed up on one but she took me over it despite it being uncomfortable for her so that is amazing and warms my heart as before she'd have said no, do it yourself and I'd have done that journey on my own lol. Really really pleased.

DD rode pony and the pony was fantastic - so happy with him and the best thing is that tho whole time she rode all you could hear was her giggling and signs of happiness. Perfect.

Money wise I've not spent anything this week other than groceries and diesel. I need to pay my livery too actually.

So I'm really pleased as the month so far (since 25th Aug that is) hasn't been overly expensive and I've even bought vehicle tax in that time frame too.

Tonight I am getting some photo's printed (was going to say developed...!) but that will be a minimal cost.

I've just received the sw@g s £5 so I have sent this over to CCV. Brick by brick I shall bring it down.

This morning I could not get out of bed, so tired. Worst sleep I have had in a long time so I didn't do any surveys this morning. I will catch up tho.

PinkPoppies · 4 September 2014 at 9:19AM

Glad you managed to get the loan thing straight in your mind

If your credit rating is looking healthy perhaps going for a 0% balance transfer somewhere might be an option to save some interest elsewhere?

You are doing so well on the swag front! I joined a few weeks ago but only managed £5 so far- hardly any of the surveys seem to like me!

DebtFree2012 · 4 September 2014 at 11:00AM

I was the same with [EMAIL="sw@gs"]sw@gs[/EMAIL] - it did my head in but I seem to have had a few lucky hits so I am not complaining at the moment.

I'm pleased I got it straight too - I hate being in a dilemma. I'm going to sit tight as I am for now and get it paid down as much as possible - I've had enough shiting around these last few months (which incur charges) so now is the time to reap the rewards of that.

I'm really pleased with how much I've been able to overpay CCV - I feel like my journey's finally started (after many false starts!)