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2015 - the penultimate year!

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Comments

  • DebtFree2012
    DebtFree2012 Posts: 3,573 Forumite
    Well my patience paid off as I'm now the "proud owner of only £29578 of debt" - that sounds so wrong. The loans have been taken this morning :) 1 month closer to being DF and a smidge (0.3%) off 25% paid off. Although 25% doesn't sound much, it's loads, as it's only really taken off for me in the last couple of months so I'm starting to see the rewards now and I'm feeling pleased today. Tomorrow I will be frustrated that I have "so much" and need it gone immediately...but today I am just pleased it's going.

    Lunch today is soup, homemade. I'm feeling a touch better with this cold as I forced myself to get up and have a shower, wash my hair, do lunches, put tea on etc so feeling organised makes me feel better too. I'm back in the office which isn't good for my health but is needed to get paid lol.

    I need to do a new To Do list, however last night I cleaned DD's room and it's made a big difference. We can now see the floor :D I also have some new ebay items to put online.

    Today will include at least 2 hours of study for the exam, more if I can find the time as I didn't do any yesterday so I need to make up for it.

    BRING ON THE 2's!
    Debt - CCV £3792
    CCB £1383 (took a hit for a holiday)

    Loan 1 £1787
    Loan 2 £1683
    Total £8601 Was £39302
  • DebtFree2012
    DebtFree2012 Posts: 3,573 Forumite
    Signature updated accordingly.

    The big girl, yet again, is worrying me. She's not passing #2 as much as normal. No signs of colic though she's never had it so may be a silent type. Texting vet for thoughts..... Will keep you posted.
    Debt - CCV £3792
    CCB £1383 (took a hit for a holiday)

    Loan 1 £1787
    Loan 2 £1683
    Total £8601 Was £39302
  • PinkPoppies
    PinkPoppies Posts: 562 Forumite
    Woo hoo for the 2s!!!!!!!!!!!!!!!!!!!! :beer: Well done DF!

    Fingers crossed your big girl is ok!
    Total Starting Debt August 2014- £38,061
    Current Debt- £3600

    Mortgage Offset Savings- £600
    90.5% paid off so far...
  • cazmanian_minx
    cazmanian_minx Posts: 4,048 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud!
    Hooray for the 2s :D:D:D:D:D:D Hope big girl's tummy is okay.
  • DebtFree2012
    DebtFree2012 Posts: 3,573 Forumite
    Thank you :)

    Vet is happy she's passing something, no other signs of colic and seems ok in self so it's a case of keep an eye on her and go from there. So I feel better.

    This morning has flown by. I've done a good revision session and it's been in an interesting subject - in fact we did something on a kids level about it when I was at school. I didn't know it then but it's called the Vigenere Cipher in the grown up's world. Anyway this is the basic, basic learning and I'm slowly working my way up to expert come October when I take the exam again. This topic is 1 of 8 but this is the one I did badly on so will spend most time concentrating on.

    I've eaten lunch already as I needed to heat my soup up before everyone bombarded the microwaves in the cafe area. I am stuffed now which is good as I'm normally hungry by 3 and as I'm here until 5 today (long Tuesday) that won't be a good thing!

    My new TV box is coming tomorrow along with new broadband hub too so I'm feeling a bit excited by that - is that sad? Lol. So pleased I am getting more but paying less.

    DD is going to need a new duvet cover come the winter. When I made her bed yesterday, I realised how thin it had become. She is in the warmest room in the house so maybe not a heavy one but definitely something that's not holey :) (The inside bit, not the cover bit). I think DS's was £70 for a really nice one - he has the coldest room in the house so needed thick, heavy, old fashioned - he loves it. So maybe October half term I will get DD one. Until then she has the holey one, a blanket my Mum made her and extra blankets if required.

    I'm starting to feel a little like the old me again. Hopefully this cold is taking the hint and s0dding off!
    Debt - CCV £3792
    CCB £1383 (took a hit for a holiday)

    Loan 1 £1787
    Loan 2 £1683
    Total £8601 Was £39302
  • Well done on hitting the 2,s :T it's so good to see the numbers coming down isn't it :)
    glad your girl is ok :)
    Total 15th April '15 :£12594.00 :eek:
    Total today: £
    Savings Today £1000
    Xmas Shopping £0
    Don't give up, when you've reached the bottom the only way to go is back up
  • DebtFree2012
    DebtFree2012 Posts: 3,573 Forumite
    To do list hasn't got very far from end of last week:

    Book MOT in
    Update the holiday details (passport etc) into their system

    [STRIKE]Iron everything tonight! No excuses as no
    yard tonight – this is depressing me now, must be done.
    [/STRIKE]

    Make flapjacks as too hungry at work.
    Continue doing 2 hours revision a day for October exam
    Do at least one sw@gs survey.
    Make Mam some leek and potato soup to take away with them
    [STRIKE]Enquire re cable upgrade[/STRIKE]
    Pay vet's bill
    Ironing - new smaller pile, keep on top of it
    Book exam for October
    [STRIKE]Menu plan[/STRIKE]

    I'm feeling even better than a few hours ago. Mentally and physically. The revision is going well and the exam booking is underway (nothing is striaght forward at work). I want to start revising for my B H S Stage 2 which I'd love to do early next year - this year won't be an option. My friend is going to send me some seeds which she hasn't needed so we can try growing those in the conservatory. I'm enjoying cooking again and spending time thinking about it and what I can create meal wise. I forgot how much I enjoyed that. The house is looking smarter which is making me feel happier and hopefully this feeling will stay!:T:j
    Debt - CCV £3792
    CCB £1383 (took a hit for a holiday)

    Loan 1 £1787
    Loan 2 £1683
    Total £8601 Was £39302
  • DebtFree2012
    DebtFree2012 Posts: 3,573 Forumite
    Well done on hitting the 2,s :T it's so good to see the numbers coming down isn't it :)
    glad your girl is ok :)

    Thank you - bring on the 1's!
    Debt - CCV £3792
    CCB £1383 (took a hit for a holiday)

    Loan 1 £1787
    Loan 2 £1683
    Total £8601 Was £39302
  • Cwtchie
    Cwtchie Posts: 331 Forumite
    Awwww all sounds great! Funny your girl not passing as much. One of mine has passed lots of harder bobbles this week and I can't believe it because he's been out at grass all day, I was expecting the squits :)

    Hope your cold gets lost pretty quickly and massive pats on the back for the weight loss! Flipping fabulous x
    £250 shopping, diesel and any other spends
    December 16- January 15 £345.06/250.00 -£95.06
    £2 saving a day for christmas 2017 £0/£730
    Total debt paid off before 26 December 2017 £3142.31/14,053.85 = £10911.54 left to go
  • DebtFree2012
    DebtFree2012 Posts: 3,573 Forumite
    Thanks cw :)

    A quick update as I'm dashing off to a meeting.

    My 0% on part of my CCV which I am paying off this year runs out on 01st July. The amount on that offer/date is £1522. So ideally I need to pay that amount off by end June which isn't in the budget but I will give it a go.

    Back later.
    Debt - CCV £3792
    CCB £1383 (took a hit for a holiday)

    Loan 1 £1787
    Loan 2 £1683
    Total £8601 Was £39302
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