I want to be Debt and Mortgage Free by 35!

lorriedriver1988

MSE things for today 20/11/2015:

* completed all surveys available
* had a lovely manicure- used gr0up0n voucher that cost £6.20, manicure was worth £20
* walked to doctors with DS2 for his 2nd flu jab, saving diesel and walked to work.
* went into town after work and went to wilko's and spent £1.90 on 2 packs of floor wipes and 3 packs of face wipes. Cheaper than supermarkets
* went to a Victorian Christmas market at the local designer outlet. Spent £3 on two huge doughnuts, one for DH and the boys had half each.
* DH parked in free car park
* clothes washed at 30 degrees and placed on airer to dry.

Not a lot but it all helps.

abba1772

lorriedriver1988 wrote: »

Evening everyone.

I'm very happy to annouce that we have paid off the furniture in full today

Car Loan: [STRIKE]£5,911.74[/STRIKE] NOW: £5,151.74

Lloyds CC: £860.00 @ 0%

Fluid CC: £2444.00 @ 0% until October 2016

[STRIKE]Furniture: BNPL: £738.75@ 0% clear by February 2016 (this is the debt I aim to clear next week)
[/STRIKE] paid off in full 20/11/2015
Sofa: £900= 0% over 3 years, but will gone asap

Total Debt: Originally[STRIKE]£10,854.49 [/STRIKE] Now: £9355.74

I am now deciding whether to pay off credit cards or car loan. Part of me says go for the debt that you are paying interest on, pay off the one that ends soonest or take a snowballing approach. I just cant decide, any advice on which one to tackle to first?!

Congrats on clearing a debt :j

Is your car payments fixed each month??? If so I would tackle the credit cards first get rid of the smaller debt as it'll give you a boost in confidence then you'll free up more money to tackle the car loan but everyone has they're way of paying stuff off

I'm clearing my 0% off first as that deal runs out quicker so I need to get that cleared before I clear the other credit card xx

lorriedriver1988

abba1772 wrote: »

Congrats on clearing a debt :j

Is your car payments fixed each month??? If so I would tackle the credit cards first get rid of the smaller debt as it'll give you a boost in confidence then you'll free up more money to tackle the car loan but everyone has they're way of paying stuff off

I'm clearing my 0% off first as that deal runs out quicker so I need to get that cleared before I clear the other credit card xx

Hi abba1772.

Thank you for advice. The car loan repayments are fixed, I think I will try and clear the Fluid credit card first as that ends soonest. I really want to clear it by March 2016, if not sooner.

MSE things for today 21/11/2015:

* completed all surveys available
* all meals from stores
* LSD- one loaf of bread costing 55p
* received letter from H@lifax saying we have saved £117.00 in interest by paying off £760 from a balance transfer I did. This has given me motivation.
* clothes washed at 30 degrees and placed on the airer.
* kept looking at items in sales for xmas presents,
* used minimal cleaning products when cleaning house

Thats it for today, night all!

lorriedriver1988

Hi everyone,

MSE things for last couple of days:

* completed all surveys that have been available
* DH did 4 hours of OT, should equal about £40 after deductions
* redeemed a £10 compliments voucher from survey site
* received £10.10 from app on my phone through pp. Just need to transfer to bank account
* all clothes washed at 30 degrees and placed on airer.
* my mum came down on Sunday and bought more sweet treats and some new clothes for me.
* I have found out our tumble dryer is at risk of catching fire, so have complained to company. I am expecting an engineer to come out and look at it.
* looked for money off vouchers.

Will update efforts for today later on.

Hope everyone has a good day.

lorriedriver1988

Good evening everyone,

Today has been a very expensive day. I spent £119.70 in Mr T today. However some of this was a one-off or monthly cost. The £119.70 includes £14.40 on nappies, £13.50 on a goose for xmas, joint for boxing day £4.50, 3 lightbulbs £13.50 and baby formula at £17. DH also filled car up with fuel and spent £61.00

Small MSE things for today.

* Walked to work.
* Complete all surveys that are available
* Sold one item on bay of e.
* Redeemed £12.60 from survey site
* Used money off coupons to bring shop down. Took advantage of special offers.
* All meals from stores.
* Washed all clothes at 30 degrees and dried on airers.
* Ordered DS3 a build a bare going through TCB and taking advantage of 25% off. Payed for by xmas funds.
*Received £23.37 from Santander today- transferred to H2B savings
* worrying about the tax credits cuts.

That's it for today.

Night all. x

lorriedriver1988

Next Target:
Fluid CC= £2444.40 to be gone by Feb 2016[/B

abba1772

lorriedriver1988 wrote: »

Next Target:
Fluid CC= £2444.40 to be gone by Feb 2016[/B

You can do it :j

lorriedriver1988

abba1772 wrote: »

You can do it :j

Thankyou abba1772. I'm going to try and do it. It is certainly challenging myself. All I can do is try.

lorriedriver1988

MSE things for 25/11/2015

* completed all surveys available.
* NSD- first one in ages, really need to try and have more of these:)
* walked to and from work
* sold another item- money will be going towards DS3's cot mattress
* listed 5 new items on bay of e
* looked at budget for next few weeks
* uploaded receipt to click snap for hopefully 2 free bottles put away for xmas.
* all meals from stores.
* bedding and clothes washed at 30 degrees and placed on airer.

lorriedriver1988

Targets for December

* H2B savings increase from £125.50 to £300.00
* Cot Mattress needed= £0/£25.00
* Emergency Fund increase from £98.51 to £120.00
* Car Maintenance increase from £83.84 to £110.00
* Pay £400 off Fluid credit card.

Wish me luck!