2015 - the penultimate year!

DebtFree2012

What a morning. If it could go wrong, it did.
Anyway, I made it to the office, fully clothed and both kids are in school, also in their uniform. I say this as a serious point as I do wonder when I will leave my farm clothes on and rock up at the office covered in mud and otherstuff. There's also the point that I put a shirt on this morning, buttoned it half way then had to rescue a child from the other one, and so I am mightily impressed that I remembered to do the rest of the shirt up before lunch time. I haven't got my slippers on either. So I guess this morning could have been worse.


I don't have lunch with me today, it just wasn't happening. That means I will end up spending around £3.50 on food today. We get free fruit at work (sounds like primary school) so I will grab an apple on my way past the fruit stop.


Money wise I've not thought any more about paying my parents back as they said to wait until the end of April. I need to do it though and I don't have the full amount to hand so I think the rest is going to have to come off the card first time I've had to do that in years.

DebtFree2012

Looking at 1500 short.
Hmm....

crunch_time

I did that last year except with an overdraft. I felt better about owing the bank money as opposed to my parents. It made me even keener to pay it back quicker!! Xx

DebtFree2012

I've just checked and I have a money transfer offer until the end of May so I will sort something out before then if I need to (which let's face it, without a lottery win in the next month, I will need to!)

DebtFree2012

Right, the mortgage is deal (part of the old one which we ported across) is up in a couple of months and I've checked and if I swapped today (I can't until after end April) then I will save around £50 so that money plus any that I get pay rise is going straight in to the savings pot. All helps.
So after rejigging the fgures, I can get the £1500 I need to add on to what I have and pay them back. Then using the mortgage money and my hopeful payrise, plus what I already pay each month, that CC should be paid by March 2017.
That leaves the other CC which will go the same month the 2 loans go which is March 2018! Talk about a huge month!


A good plan I think.

DebtFree2012

Some good news - I have been given my increase in pay that I hoped for so I have allocated it to savings and although the loan payments officially end in March 2018, it means that the cards will be paid off a lot easier than initially thought.


If I take out the extra to pay family back, then make the payments based on the new scheme, I will have that gone before winter hopefully. Of course Christmas will be coming and life will throw in a few curve balls so I won't plan too restrictively on that!


Once that one is gone I can work on the 0% one which finishes the back end of next year. Then it's the loans.


So I aim to get my income up, costs down and enjoy life whilst I am doing it. Happy Friday

ScattySkewbald

Great news on the payrise :T:beer:

DebtFree2012

Happy new week!


So it looks like I will need to made the transfer from the cc to my bank shortly to allow me to pay the family money back. The latest it'll be is 25th when I get paid. However more than likely sooner than that. I will then pay back the new payment plan to reduce the additional debt in the littlest time possible. DFD remains the same and is still a worst case, though most realistic scenario.
I have a savings pot for the repayment of this which I will refer to as CCV. At the moment it has £45 in it. I won't use that until there is enough to pay a chunk off as I also may need to use that money elsewhere depending on how the new strategy works. The last thing I need is to be caught short.
I have my savings too which has ~£130 in it but this is to buy animal / kids items. I'm talking essentials here, not nice to haves. So I won't be touching that.
Any money I make on surveys on £ bay will go to the CCV pot.
Finally I have a barclays blue rewards account which pays me £7 a month (for £3). That is staying in the rewards pot until the end of the year. The £3 I don't 'miss' as I'm thinking of it as the money I used to spend on lunch in the office once a week.
Today I've brought a lunch in, home made bread tuna sarnie with a bag of crisps (I never have crisps!) and an apple. I need to make sure I bring lunch in daily as £3/4 a day on lunch isn't an option.

Back to knuckling down and making every penny count, stretching food out and generally living the good life

DebtFree2012

Quick check of spreadsheets done as money out for farrier (in budget).


Everything is where it should be and all money paid so no spends before pay day now.


We're under the 2 years to being DF mark!

PinkPoppies

We do the Barclays Blue Rewards thing too and agree it's great! Never notice the £3 a month but the £7s really add up quickly!