2015 - the penultimate year!

DebtFree2012

Busy day and head is aching from this cold.

£200 has been paid to the above. £1322 left to pay by end June.

Tonight is going to be a long one, clipping a friend's horse and getting up close and personal with some geldings.....then usual jobs. Working for an hour later too so I will have to take some pain killers later. This cold is kicking my a$$.

Proper updates tomorrow

cazmanian_minx

Hope you feel better soon Don't envy you the geldings, I've been putting off getting the baby oil out, but I can't avoid it for too much longer!

DebtFree2012

Morning

I keep thinking it's Friday, not a good feeling! Anyway - I'm getting slightly better wrt the cold though my sinus' are still painful. My temper appears to be short still so I am trying to keep level headed.

Today I have the latest soup with me though I think it's not going to be one of my better ones. It's a bit too spicy and lacking flavour I think but I only tasted it briefly. Lunch time will tell!

Money wise things are ticking over. I'm going to start a savings pot just for the new duvet for DD. It should be easily achieved with a few pound here and there. I will be doing this for any items I find we need and can plan in advance.

Our new V1rg1n t1vo box arrived yesterday and I love it! We checked it worked by watching 2 Dexter's back to back

LastFewSteps

I'm going to pinch your savings pot idea I think it's a very good one for household items
You have my sympathy for your sinus pain, I hope it gets better soon, ds2 and I get it quite often and it makes ds2 even more short tempered and grumpy than normal !

Cwtchie

I'm sending you warm cwtches and get well vibes x

DebtFree2012

Thank you peeps lovely to hear. Today I'm feeling a bit better but still not right. Wrong time of the month too, sorry if TMI.

I've been told I have to travel to the states which most people think is great. It fills me with dread, I don't want to go but I have to for work. The only silver lining is, if I go economy I can get up to $2000 for saving them the cost of business class. Of course I thought how nice that would be to go to debt but the worry and leaving the family is just as a strong feeling.

LastFewSteps

Oh gosh the states :eek: that is a long way for work !
Will you be gone very long ?

Cwtchie

Get the Rescue Remedy out! I hate the thought of leaving my family too so I know exactly how you are feeling x
Take Rescue Remedy from now until you go, and ask the doctor for something stronger for the day you go, honestly that has worked for me in the past.
Your only feeling this way coz your a GOOD Mum x Huggs x

DebtFree2012

It will "only" be for a week as they asked me to go for 2 but I just couldn't do that. To add insult to injury it's to train the person who will be replacing me in Jan 16! If I say no, then any other job opportunities that come up, I wouldn't be considered for so they have me over a barrel. DH has been very supportive about it and said not to worry about home, it's a one off etc and my Mam's been lovely saying she is free to look after the kids etc as DH is at work at 5am. It's just such a LONG way plus I hate / scared of flying. Going abroad with the family for a couple of hours is scary enough!

I will look into Rescue remedy hun thank you - I've never heard of it so worth a look. Very kind words thank you xx

DebtFree2012

Time to take stock financially.

Student Loan is almost paid off: now stands at £585. This will be paid over the next 3 months manually (assuming they don't mess up). The money has been taken from my wages up until now but I've advised them to stop. They are notorious for not doing as requested, so let's see.
Rogue CC (CCF) is at £2510. This only get the minimum paid every month and will be a thorn in my side I think.
Main CC (CCV) is now 'only' at £6622 and is the one I'm overpaying with anything I can find.
Loans are at £10148 and £9709 respectively.

New total: £29577 (taking into account pennies that aren't shown on here)

So the plan is to have the CCV to 6k by end of May to allow me to be on track with not incurring interest rate charges (0% runs out end June). Student Loan last payment will be with July's pay meaning in August there will be a bit more to start going to CCV ready for the end of year count down to zero.

Then in 2016, which is coming round fast, all money will be saved to pay off the final loan amounts. I plan on saving it in my savings account until there's a decent amount and then phoning and overpaying. Of course I have no idea what I will be doing job wise in 2016 but let's not worry about that yet.

Going to watch some show jumping tonight, finalist event that our yard hosts for those with enough points made over the winter. It's a good night but I will have both kids so won't stay until the last class which is usually around 11pm to midnight! More like pop in for an hour early doors.

I've been asked what I want to do re the loan pony. We've not been loaning for a few weeks as he has had back issues which are almost resolved. He is supposed to be ridden as normal again soon but I just don't know if I'm taking too much on as our pony is working so well now DD is spending more time riding him confidently and that will suffer if we have another to do. Also now I am not doing job 2, the cost will come from the money allocated to paying debt off. OK I think I know what to do.

We go abroad at the end of this month. I've been planning the packing, no way am I taking too much.