The 300k debt-free diary!!!

wok_boy

pandapaws wrote: »

:j WOO-HOO!!!:j

_party_ Just Realised Today Is Payday!!! :dance:

And tomorrow it'll be "Where did all that money go?"

pandapaws

wok_boy wrote: »

And tomorrow it'll be "Where did all that money go?"

Yep, almost - except that since I've become spreadsheet obsessed, I know where every single penny will go.

There still won't be anything left though!

pandapaws

Right, a mini plan of the money for this month:

Income received today: £4,308.39 (account prev at 0, so that's now bank balance)
Amount to go out by DD/SO before next payday (I think): £3428.01

Leaves £880.38 to pay:
Fuel: £400 (transferred to seperate account, any excess goes towards annual car expenses)
Groceries: £250 (sounds reasonable?)
Leaving for any other expenses: £230 = just over £50 a week.

Hoping to try not to spend the £50 a week on other stuff, but it's good to have it there as a figure set in stone that can't be exceeded. Doing well with spending diary, so can keep track of the amounts being spent, and any excess will go straight to the debt-save account on a weekly basis.

Also hoping to have a couple of hundred quid from Ebay this month, and waiting on quite a bit from Quidco etc. Already got about £700 in the debt-save account, so should very realistically be able to make that up to £1,000, which I'll pay straight off the Virgin card.

Right, we have a plan...now to stick to it!

pandapaws

I shouldn't be on here, but just had to add how happy/flabberghasted I am - HSBC have just said they'll give me & DH one of their 4.9% till 2012 credit cards with a £9k limit EACH!!!

That's my £10k Virgin problem solved in an instant, and depending on whether it is just credit card balances, or other things as well, we can probably shift a few other things over to it too!

But what were they thinking? Imagine giving £18k to a couple with over 80k in debt?! Thankfully, it will be very well used solely to save on interest this time round, but it's quite scary to think that if this had happened just a few months ago the whole lot would probably have been spent and we'd have been 100k in debt. Frightening how easy it is. But for today, I'm certainly not complaining!!!

Working on the house at the moment to try and get everything pristine for our open weekend. Apparently one lady definitely coming as she had seen the stamp duty paid ad on Rightmove, so that's a little promising. Fingers crossed!

hypno06

Fab news on the low APR credit card.......I'm not jealous.......nope, not jealous in the slightest.......no, honestly, really I'm not..........:rotfl:

I really hope that the "house" weekend is a success - I am sure it will be xx

pandapaws

Well, half-way through the house weekend, and nothing exciting to speak of. Really disappointing! We had 2 couples yesterday - the first were very young and loved the house but I think they were just having a nosey - their house is on the market for 120k, and I doubt they'll be wanting a huge mortgage. Second were slightly more hopeful, but got 2 houses to sell and neither on the market! Nothing today so far, but fingers crossed! At least I can say for once that I've got the cleanest house I've ever seen (until DS comes home anyway!).

kimlyn_2

Just out of interest,what sort of things do you buy to sell on ebay?

I have tried this in the past,but my items don't seem to sell!

pandapaws

kimlyn wrote: »

Just out of interest,what sort of things do you buy to sell on ebay?

I have tried this in the past,but my items don't seem to sell!

All sorts of everything really! It really came about because I am...sorry, was, such a shopoholic, and I seem to have a really good eye for a bargain. I'd often be out and see things that were unbelievable cheap but didn't need them myself, hence I started buying them to sell them on. I buy a lot of clothes in the very final days of the sale, when you get things for a quid or so, and things in the clearance sections of supermarkets etc. Basically, if I see something really cheap, I quickly check the price of it on Ebay and if it's worth flogging, I buy as many as possible!

lunar

fingers crossed you will get an offer on the house, at least it was motivation to get tidied up.

Hows the pregnancy going? cant be long till your scan now. You seem to be so organised with your plan for the month! maybe i should get on and do the same.

I have so many things i should put on e-bay but im being so lazy about it. im really pleased to hear about you low interest cards, does it make much difference to your DFD?

pandapaws

lunar wrote: »

fingers crossed you will get an offer on the house, at least it was motivation to get tidied up.

Hows the pregnancy going? cant be long till your scan now. You seem to be so organised with your plan for the month! maybe i should get on and do the same.

I have so many things i should put on e-bay but im being so lazy about it. im really pleased to hear about you low interest cards, does it make much difference to your DFD?

Sadly not really any difference to the DFD as I can't really get an accurate figure out the snowball calculator - you might remember me trying to find out how to do it with items that I have already included interest in! I'm considering making my own snowball calculator, probably on a bit of paper rather than a spreadsheet, but that's definitely an activity for a rainy day!

I'm 20 weeks pregnant today, so exactly half way! Scan isn't for another fortnight, and I'm getting really impatient! Got a friend who's due 2 weeks after me, and her scan is 2 days before at the same hospital - just not fair! But then she's a skinny little thing, and I'm, er, not!

Still not had anything in the post from HSBC about the cards - hoping that they haven't [STRIKE]seen sense[/STRIKE] changed their mind about giving them to us!

Another very long day at work today, from 9am until 9.30pm but as I'll be sitting around doing nowt for the vast majority of it I can't complain. Time to catch up on here if nothing else!