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*~*~OrangeFairy is nearly there...just a couple of hurdles left~*~*
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Hope your mum had a wonderful birthday xxNEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.050
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Hi Abba- thank you- she had an amazing evening and seemed to enjoy herself. We bought a tree print where everyone puts their finger prints as leaves which looked amazing!
Today we are under £1k! Woohoo :j
Hubby paid off the remaining balance on his card so we are at £982
Just limping through £982
Been thinking about the future and spending and though the fluffy view is to imagine that we wouldn't use credit cards again however I do realise this isn't realistic. It is about controlled spending - only putting something larger on a card if we don't want to dip into savings when we can pay it back on payday.
OF xOrange Fairy
House Purchased April 19CC1=? CC2=? DH CC= Mortgage Overpay = £0 Savings = £0 Xmas savings = £0 Weightloss = 0 lb
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:T to under £1k well done. You are flying.
What you said is true though. A keen eye on the budget after debt freedom is still needed to stop any chance of slipping back into careless ways.
Well done OF nearly thereGoals for FebruaryDeclutter 2/50Money Made £0/£200Overpayments £0/£2000 -
Fantastic news on getting under £1000 xxNEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.050
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Yes well done of!! Must feel so good to nearly be there!!!xx19/8/19 vs now Current Total debt £14,188 Savings £2757
Overdraft £1600 vs £1050
HSBC1 £1900 vs £3868
HSBC2 £4100 vs £3730
Virgin 1 £3050 vs £2800
House stuff and improvements £4460 Virgin 2 £27400 -
Thanks all, didn't seem that long ago since we were pleased about being under £10k!
Today I am in the train down to Exeter to meet our accountants for work - nice to be out of the office but not the most exciting of days.
Bought a costa coffee which I should be able to claim back. Tonight we have a beef casserole for dinner we go a pack of reduced westcountry beef for £1.25 so it is s bargain dinner.
Money is a struggle....if we can get through to payday without needing to use the cc I'll be surprised. Father's Day coming up, a wedding, birthday and food shop with little to nothing left. It's okay if we do but it will add to the £982 we are planning to pay off on payday (hopefully) to be debt free. £982 is do able with some disposable income to spare.
The car is another issue- it has its motion July and it is on its last legs. So there is s possibility of a large car cost having to go on cc mid July which will pee on our debt free celebrations! I will think positive though!
I have recently be thinking about the holidays we want to do. Hubby wants to go to Canada- as do I and we always said we could do it for his 40th which is 2020 in 5 years. So I'm going to start a savings pot in my terracotta pot I have to break and start putting money in for the next few years- makes it seem more like a real plan (the other destination would be New Zealand)
I keep wanting to plan our money targets after we pay off this last amount- but the impending MOT makes a big difference on what we can do!
Food for thought!
OF xOrange Fairy
House Purchased April 19CC1=? CC2=? DH CC= Mortgage Overpay = £0 Savings = £0 Xmas savings = £0 Weightloss = 0 lb
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I hope everyone is having a lovely weekend.
DD2 got called to play in a netball tournament today so she has been out since 8.30 and will be back at 5 - so very quiet in this house.
I have meal planned and we have done a food shop - the rest of our day has been mooching about the house with housework etc which has been nice.
Got an email from DD1's school to say a trip I paid for worked out cheaper in the end so they are refunding me £5 - result!
Did my first meat order on muscl3 f00d - a few people have recommended them so I thought I would bulk buy some meat and see what I think.
I spent £43 including delivery and have on the way;
5kg chicken breasts
400g extra lean mince
bacon medalions
400g diced beef
400g diced turkey
3 chicken drumsticks
2 rump steaks
2 sirloin steaks
I have meal planned for the next couple of weeks so I will either cook some meals and freeze them for July or portion and freeze the raw meat.
Booked to see Jurassic World tomorrow with the kids - I am very excited! I had a £10 cinema voucher for my birthday so only cost an extra £11.49 for the tickets and the kids REALLY want to see it!
I have a lovely clean house downstairs but need to spend some time on the upstairs this evening!
I have been meaning to create a new Day Zero Project list as I want to get on with one again - 101 things to do in 1001 days.
It is almost there - just 8 more things to think of - trying to find a balance between money related, new experience, kind hearted, DIY, craft and purchase ideasThis really gets me motivated!
OF xOrange Fairy
House Purchased April 19CC1=? CC2=? DH CC= Mortgage Overpay = £0 Savings = £0 Xmas savings = £0 Weightloss = 0 lb
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What's a day zero project list of?? Xx19/8/19 vs now Current Total debt £14,188 Savings £2757
Overdraft £1600 vs £1050
HSBC1 £1900 vs £3868
HSBC2 £4100 vs £3730
Virgin 1 £3050 vs £2800
House stuff and improvements £4460 Virgin 2 £27400 -
Hi Crunchy
It is like a bucket list website where you can log a list of 101 things to do in 1001 days - they give you ideas and you can look at other lists etc.
Here's mine
https://dayzeroproject.com/user/littlekel16/list/104802
When the kids are older and we are better off mine will be a lot more exciting and will include lots of visits to amazing places
OF xOrange Fairy
House Purchased April 19CC1=? CC2=? DH CC= Mortgage Overpay = £0 Savings = £0 Xmas savings = £0 Weightloss = 0 lb
0 -
Thanks! I will check it out! I love lists and adventures so it sounds like me cup of tea!
Xx19/8/19 vs now Current Total debt £14,188 Savings £2757
Overdraft £1600 vs £1050
HSBC1 £1900 vs £3868
HSBC2 £4100 vs £3730
Virgin 1 £3050 vs £2800
House stuff and improvements £4460 Virgin 2 £27400
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