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Debt busting into 2015, but not beyond!
Comments
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Spending log:
Car repairs and MOT - £85.00
Groceries - £8.19
2 birthday presents (inc P&P) for DD - £92.66
1 Christmas present for DD & DS - £27.53- Mortgage over-payments to date: = £16,746
- Original redemption date: August 2043
- Current redemption date: July 2041
- Debt: £15,930
- Savings: £12,430
0 -
Spending day 4 (Sat)
Chips and a drink £5
Gift for PBS (undisclosed amount)
Spending day 5
Tesco Groceries - £21.95
Spending day 6
£0
Spending day 7
Home bargains - £10.80 (mostly stuff for DD birthday party)
Dino cookie cutter - 99p
I realise that it looks like PBS is doing all the spending here, but it's not like that. We're just logging based on who does the transaction. It's all the same money.
Running total - £695.820 -
Oh! Completely forgot to report that yesterday I applied for the FirstDirect account that pays £150 for joining! I was accepted and so should be switching banks in the next few weeks. I intend to open the linked 6% regular saver and use it for future planned expenditure, like a holiday or a car.
- Mortgage over-payments to date: = £16,746
- Original redemption date: August 2043
- Current redemption date: July 2041
- Debt: £15,930
- Savings: £12,430
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Spending log:
Train ticket - £7.80- Mortgage over-payments to date: = £16,746
- Original redemption date: August 2043
- Current redemption date: July 2041
- Debt: £15,930
- Savings: £12,430
0 -
Spending Log
Train ticket - £7.80
Coffee and a biscuits and croissants and hot chocolates for the kids - £10.50
This latter was because swimming was cancelled and I needed to kill some time before taking them home as ATS was prepping the house for DD's birthday party.
Really proud a what a great job ATS made of DD's party. She loved it, all the kids had a great time. He really worked his socks off. I'll let him post the spends as I don't really know how much he forked out.
I paid for parking on Saturday night (see above, £10.50) and it hasn't shown up in my bank statement yet...Maybe they forgot?
PAY DAY tomorrow!- Mortgage over-payments to date: = £16,746
- Original redemption date: August 2043
- Current redemption date: July 2041
- Debt: £15,930
- Savings: £12,430
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Spending diary catch up...
Wednesday
DD Party supplies - £28.75
Counselling - £40
Total - £68.75
Thursday
More party supplies - £16.50
Giant inflatable dinosaur - £17.95
Asda (general groceries and party food) - £40.58
H&B (groceries) - £8.49
Total - £83.52
Friday
Home Bargains (beer, energy drinks and soup) - £3.98
Running total - £878.130 -
Spending update...
Food and wine (wine £9) - £13.09
Running total - £891.220 -
PBS spending log
Diesel - £25
Snackettes - £1.65
I *think* that's everything....
Got paid today - did the money hokey-cokey. £850 to savings, £600 for bills and budgeted outgoings. The rest swallowed up because I was already in my overdraft. Will do better on this next month.- Mortgage over-payments to date: = £16,746
- Original redemption date: August 2043
- Current redemption date: July 2041
- Debt: £15,930
- Savings: £12,430
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PBS spending log
Tesco - £23 Groceries and beer
Wilko - £26.85 Lamp, tealights, dehumidifiers, lightbulb, bag
Tesco - £31.48 Six glasses and a bottle of port
£20 - swimming and sauna
£17 - distillery tour
£5.70 - cakes
£2.20 - cleaning products- Mortgage over-payments to date: = £16,746
- Original redemption date: August 2043
- Current redemption date: July 2041
- Debt: £15,930
- Savings: £12,430
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Things to do
[STRIKE]Reclaim chiropractor bill = £30[/STRIKE]
[STRIKE]Claim work expenses = £106[/STRIKE]
[STRIKE]Phone First Direct to set up new account[/STRIKE]
[STRIKE]Pay for kids swimming lessons = £120[/STRIKE]
[STRIKE]List 6 items on ebay[/STRIKE]
Double check all pension transfer papers
[STRIKE]Phone Tax Credits about overpayment[/STRIKE]- Mortgage over-payments to date: = £16,746
- Original redemption date: August 2043
- Current redemption date: July 2041
- Debt: £15,930
- Savings: £12,430
0
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