Working towards being debt free and a new house.

dipdap

Good morning diary
Well I've declared all out war on our finances
I need to get super strict on our spending, this credit card needs to be gone by Christmas :j
I've paid £600 off of it in the last 3 days, the depressing thing is even after that the balance is nearly £700 :eek:
I'll be one very happy bunny if the balance on the card is under £300 at the end of the month, that would make our overall debt under £6k :j

Right, I'm gonna put the apprentice on and try and tidy this lounge, it looks like a bomb has gone off :rotfl:

dipdap

Hello diary
Well tomorrow is payday and my hopes for taking a chunk out of that pesky credit card may be dashed
DH bought a new iron to replace the one that's playing up so now we have 2 (flaming Black Friday sales!) at least we didn't have to pay through the nose for one he liked so I suppose it was better to get a spare now than to wait till the iron goes kaput and have to shell out a fortune.
Worked out when we bought the original one, it was September last year, just can't work out how I paid for it so no proof of purchase for me to complain with

DH has also been let loose with that credit card so he can buy my Christmas presents (I hate people spending lots on me :mad: ) but he's done overtime and says that can help pay for it so I guess I shouldn't moan (it's really hard not to! Whatever he buys I usually tell hi. I could get it cheaper )

Went on the wii fat a few days ago and found out I weigh 14st 3lb :eek:
Strangely it took me till Saturday for the penny to drop that I need to stop snacking :rotfl: so I've gone back to what I did last time I lost weight, try not to eat anything after 6pm, it seemed to do the trick last time
Need to get my weight down below 13 stone. I want to be a Skinny Minnie again :rotfl: (never gonna happen!)

Better get to bed, school run in the morning and money in the bank for me to juggle :j
Night night diary

dipdap

Good morning diary
Well I took the plunge and paid £650 off the credit card without thinking too hard about it. Was it a good idea? Guess I'll find out when we have no money in a week or so :rotfl:
Logic tells me it's better to use it to pay the credit card than have it sat in the bank account being spent on random stuff :think:
If I'm ripping my hair out by the middle of the month I only have myself to blame :rotfl:

Good thing I'm focusing on more is the outstanding balance on that card now stands at under £300 :j

£260 CC 1 (balance is now paid off every month so no interest is accrued)
£2,600 CC 2 0% BT until March 2016
£3,100 CC 3 0% BT until January 2017

Total outstanding £5,960 :j
On paper going below the £6k threshold is fantastic :j now if we can get below £5,500 for the new year I'll be happy, below £5k and I will be over the moon :j

Dobbibill

wow look at you - you only have 10% left to go :T :T
you should be very proud of yourself, plodding on and never giving up the challenge.

dipdap

Good morning diary
The credit card is still taking a battering car needed a new tyre and that was nearly £150 :eek:
I'm still hoping to have this card wiped out for the new year.

Just keep swimming, just keep swimming!

dipdap

Hello diary
I'm currently working 6 day weeks so not got much time to pop on here
Christmas shopping is nearly all done, just waiting for my delivery of food tomorrow
Am hoping to go into the new year with a better attitude towards finances, although in all these years I've yet to find an attitude that works :rotfl:

Dobbibill

Aw dipdap, working 6 days a week is hard work. I hope you'll get some time off over Christmas to have fun.
I wasn't organised enough to order a food shop before all the time slots were gone.

I don't know how much time you will have this side of Christmas to pop in so just in case you don't get chance, I'll wish you a fantastic Christmas now :xmastree: I look forward to following you and your diary into 2016.

Dobbi

dipdap

Hey DB :wave:
I haven't got much time off over Christmas but I do have a fair amount off in the new year :j
I wish you a very Merry Christmas too :xmastree:

dipdap

Hello diary, happy Christmas!
Well the kids seem very happy with their presents :j I just wish this singing frozen doll had an off switch!
I got a Fitbit which I love already and a Rubik's cube (my Nan bought me a book on how to solve it as a kid so with a bit of help from google I've managed to remember how to solve it in under an hour twice now :rotfl: )
Christmas shopping for next year has officially started, I just bought my first present off amazon :rotfl:
Hope everybody who is reading my diary (I know there's not many of you!) have a fab Christmas :beer:

LionessInWinter

Wow, I just read a bit of your diary and you've done great to clear over £57k, well done and Merry Christmas