This is it *ping* lightbulb!!!

kindofagilr

Thank you ABD

Have you tried snowballing yours? It was amazing seeing how just £20 overpayments a month does to the time xx

giblet1979

Hi kindofagilr,

Just wanted to say that I've enjoyed reading your diary, and it sounds like you're doing really well. It's definitely addictive this money saving and overpaying lark (although I agree, not always easy either physically or emotionally) but it will be worth it. I also know what you mean about 'wishing the weeks away' to next payday so more can go from the debt total

Lots of luck with everything and I hope you're having a lovely weekend x

kindofagilr

H giblet thank you for posting

Yes def agree that physically and emotionally it's hard sometimes, but I do like a challenge I'm quite competitive so am seeing it as a competition to beat the estimated 4.5 years

I've been monitoring our gas and electric usage for the last three weeks as we pay £139 a month (was £164 till this month) and cos I'm a spreadsheet saddo I've added a page to my bill spreadsheet showing weekly usage and how much it's cost us that week for each, my goodness the gas cubic to kWh conversion is weird lol but so far this month were on track to spend £95 instead if £130 so I'm pleased with that xx

brizzledfw

You keep on being a [STRIKE]saddo [/STRIKE] sorry..that's a diligent MSE'r It's looking after the detail that allows you to ditch the debt :T

Hope you have had a good weekend..can't bear to list on EBay at the moment but quietly collecting together a pile of stuff to get on when the mood strikes

The other good news is that we have a new lodger, with no gap between them :T I am pleased and not a little relieved. It's such a great way to make money

kindofagilr

Yay awesome news on the lodger I bet you are over the moon

Lol a saddo and proud I was amazed our electric was the same this week as last week as we hired a bouncy castle for the party yesterday and that was on for about five hours on our electric lol

We've just had things end on ebay and made another £86 yay (running out of things to sell now lol)

I hope you've had a good weekend xx

brizzledfw

£86:T:T

Well done:D that's a real result

kindofagilr

Well not much going on on the debt front, still waiting for our money from music magpie to go into the bank.

I am at work today, but then I am off till tuesday yay

Nervousally waiting to hear if my son got into our first choice first school, we find out today but no idea of a time!

kindofagilr

Yay we got our first choice at first school for DS so relieved xx

kindofagilr

Updated my saddo spreadsheet (lol) to show what our g+e balance should cost at the end of every month, so I can see if we are spending too much, or if it gets too far in credit (we get a bill every 6 months) if my account is sitting like £200 in credit which it has before I would rather have £100 of that back to pay off the CC's

giblet1979

Sounds like a great idea, and great news about the school place!
Hope you have a lovely Easter x