Working towards being debt free and a new house.

dipdap

Good morning diary
Payday at the end of the month and it should be a nice one as I've been working my backside off clocking up the overtime
Need to pay off the £800 odd credit card bill :eek:
Would be nice to get below £6,000 at the end of the month but can't see that happening

Dobbibill

an extra bit of OT is nice and when you have it set aside for purpose, you will see the fruits of your labour.

I'm sure you will keeping plodding on with the CC and bring it down, slowly and surely will still get you to the desired result.

dipdap

Good morning diary
I am so annoyed with myself :mad:
We managed to spend £854 on the credit card in October :eek: I've just had a look at the statement and it's amazing how easily it all adds up :mad:
£150 is in bills (cashback credit card, might as well get some perks from paying the leccy ) and the rest is on various shopping.
I need to work out a breakdown of exactly what we spent as there's no way we spent nearly £700 on food, fuel and clothing.
I need to knuckle down and get cracking this whip

£854 CC 1 (balance is now paid off every month so no interest is accrued)
£2,700 CC 2 0% BT until March 2016
£3,200 CC 3 0% BT until January 2017

Total outstanding £6,754 gutted we're not at 90%, need a good month of debt busting this month.
Onwards and upwards :j

dipdap

Morning diary
Worked all night last night so was hoping to sleep today but one of the kids is sick and off school working 6 day weeks at the moment so a bit tired at the moment
Debt busting going OK at the moment, worked out where some of the credit card bill has come from, Christmas presents seem to have taken up a fair chunk of it
Got the money to clear the bill for the month so no interest accrued again :j and have got Christmas present spending under control, I think so far we have about £500 in savings, gift vouchers and loyalty rewards to spend on the big stuff we still haven't bought :j
I do love a bargain :j:T:j

abba1772

Aww well at least you know where your money has went nothing better than buying XMAS presents xx

I have under my double bed full of XMAS presents so not much to buy now xx

Hope your little one gets well soon x

dipdap

Hey Abba
Glad to hear someone is prepared :T
I'm having to resort to wrapping some of them already because little prying eyes seem determined to sniff out their presents early :rotfl:
Only problem now is when I see the extent of what I've bought I think I may have spoilt the kids a little too much
Cheap things always seem such a bargain when you buy them, I may have bought a few too many :rotfl:

Dobbibill

All this talk of Christmas presents is making me feel a tad under-ready although I've only got one payment left to go into my Xmas savings to reach my target and then I can start shopping. Can't believe it's only a few weeks away :rudolf:

dipdap

Good morning diary
Awww DB, that goal will come around soon enough then you get to enjoy shopping :j 7 weeks today will be Christmas day :j
I've got Christmas pretty much covered here, most presents are bought now, just a couple to get (I start my shopping in January :rotfl: )
Best bargain this year will be DH games console for free thanx to all the vouchers and gift cards I've saved up :T
Can't wait to see the kids faces on Christmas day

dipdap

Hello diary
Just doing a quick finance check for the middle of the month and we're on check for having over 90% debt paid by the end of the month :j
Still need to keep the spending in check but I'm glad to say I've now bought one big present each of the kids so that's Christmas virtually out of the way :j
Got a stash of bottles of plonk and tubs of choccys for any family members (and school teachers) I'm meant to be buying a pressie for so that's most of my shopping now done and dusted
Looking to the new year now, need to get that pesky credit card paid off before the 0% BT finishes in March.
The main current credit card is being closed before Christmas now because the loyalty offer I had with it has now come to an end. No use keeping it, will have to look for a new one

dipdap

New page, new list (will be carrying over a few things from the last one as didn't get anywhere near completing it )
It's like having new years resolutions every page!

- Get debts below £4k

- Earn at least 300 SB per day

- Start learning [STRIKE]German[/STRIKE] French again (got no enthusiasm for German anymore!)

- Buy new wardrobes