Really Nearly Almost There!

Almostthere78

Well done Aphidgirl! Not long now!

Almostthere78

I received my annual pension statement today which is rather depressing, think I may well spend my twilight days living in a tent! I'm not going to lie, I don't understand pensions in the slightest!
NSD (#3) today so that's another £5 gone to my credit card, the balance is now £260.33 so getting there slowly but surely!
Will have a mooch through the billions of things I have pinned on Pinterest this evening to find something to make over the weekend although I am quite tempted to just do another banana and walnut loaf
Looking forward to my Costa Latte tomorrow, this week seems to have gone so quickly and I havent used my debit card since last Sunday which has to be an all time record! :T

Almostthere78

Filled up with petrol and have somehow managed to use £8 less than last week which is odd given that I've driven almost identical journeys both weeks - anyway, not complaining as have paid £10.33 to the credit card so the balance is now a nice round £250:T
Had my "well done" latte this morning which I really enjoyed, sometimes things are just nicer when you don't have them all the time, I guess you just appreciate them more.
Cheered myself up a bit by putting together a VERY basic spreadsheet from my debt free date to see what it would look like if I saved the monthly DMP payments each month, as in how quickly the money would add up. I know that circumstances change and the cost of living increases etc etc etc but, without any disasters, by 45 I could save just under £50k which would be a fantastic deposit for a house. By that time my credit rating should be just about clear but then I don't expect that I'll get a very spectacular mortgage at the age of 45! I am not going to worry about it too much because it is what it is and I will deal with it as and when I need to - I can't spend the next few decades worrying.
This weekends "make" from Pinterest is going to be a savoury sponge cake with cheese, I am more intrigued about what a savoury sponge cake would taste like to be honest, I'm hoping for something similar to a cheese scone, I will report back!
Had to buy some flour and eggs for the above so went through the self checkout and put my 50p worth of shrapnel in the machine, it sounded like I won the jackpot as it counted through but it felt quite satisfying and I have just put another 50p worth in my purse for next time
Not much planned for the weekend; a trip to the greengrocers, MUST list some bits on Ebay and might clean the car depending on the weather. Have a good one people!

Almostthere78

NSD (#4) today :T
Had a very relaxed time and haven't even left the house today! Made the savoury sponge cake, it is.....interesting...... I don't think I will be making it again. It's not revolting, just not quite what you expect! Two loads of washing done and dried on the line, read a book (On a Night Like This by Barbara Freethy, love the free iBooks!), hoovered/dusted etc.
STILL haven't listed anything on Ebay, I don't know what is wrong with me, I just can't seem to make myself do it and I have no idea why, it isn't like I am in any way attached to anything on the pile to go?!
I've been pondering the rather unsociable life I lead. I am more than happy in my own company and could quite happily spend an entire week off work at home alone. I wonder how much of this is just who I am and how much is just what I am used to. I don't like going out drinking in town, I hate having to have shouted conversations and paying crazy money for drinks and then having to fork out for taxis too - it just seems like such a waste of money. I enjoy spending time with my close friends at barbecues or just at each others houses but they all have kids these days so these evenings are fairly few and far between. I know that I should widen my horizons and meet more people but I just can't seem to motivate myself to do it and on the rare occasion that I do go out I usually just find myself wishing that I was at home in my PJs. I come across as a fairly confident person at work and with people that I know but in large groups of people I just stand there and try to make myself invisible. Any advice people? Am I just a reclusive weirdo destined to live the rest of my life as a spinster cat lady (minus the cat)?!

Almostthere78

Had another nice relaxing day today, went to the supermarket for some coffee and salad bits and then was weak and went in to TK Maxx. Grrrrr. I didn't buy any toiletries though and managed to steer clear of the gym clothes but did spend £10 on some plastic drawer organisers that I don't need. They do make me happy when I open the drawers and everything is all nice and super tidy though
STILL haven't listed anything on Ebay - pfffffft.
Sat outside for a few hours reading another book that I've downloaded for free from iBooks, can't remember what it's called now, something with Gypsy in the title. I can remember many moons ago being in a book club type thing where every month they sent you six books, I used to be so excited when the box arrived! Cost me a flipping fortune (pretty sure I used to pay them using a credit card too silly girl), I assume they don't exist any more as I expect most people use Kindles/ iPads these days. There used to be a similar thing where they'd send you a CD each month too, it was always advertised in the Sunday papers with a double page showing all the CDs you could choose from for like 1p if you bought one full price - pretty sure I signed up for that at some stage too - sigh!

lcc86

Good luck almostthere, some of your posts definitely ring true with me, I'm very much a homebody and love nothing better than sitting with a good book! I'm subscribing to your journey

Almostthere78

Thank you lcc86! I apologise in advance if it's a little dull and be sure to let me know of any good books when you come across them x

Almostthere78

Absolutely nothing to say today apart from the fact that I spent 65p on some cheese topped rolls! Hopefully tomorrow will be slightly more exciting!

Almostthere78

NSD (#5) today :T
Went to pay £5 off my credit card debt and panicked a bit at my bank balance so have only paid £2.50 (balance is now £247.50), as soon as I get below £100 I start to worry which is silly really as I have an emergency fund and I have got by on far less than £50 per week in the past! Anything over £50 in my account on Sunday will be paid off my credit card and I will still pay £2.50 for each NSD I manage.
Had a lovely tea this evening; a pitta bread with tomato puree, mushrooms and cheese grilled for a bit, it was like a mini pizza and I know it's nothing amazing but I really enjoyed it! I have noticed that I eat a lot less junk when I am watching what I am spending, part of that is taking my own lunch and snacks to work and then the other is trying to use everything before it goes off, it has been a case of rocket with everything for the last two days!
A combination of eating less junk and trying to use up my stash of make up/ toiletries is having a positive effect; someone at work said my skin was looking amazing and then I got honked at by a man in a van and THAT hasn't happened for a long time :rotfl:
Had a bit of a worry earlier about what will happen when I have paid off the credit card and all my DMP payment goes to the one creditor, it will be more than my monthly payments were when I initially took out the loan and I am half expecting them to start charging interest again which will be a ruuuuuubbish. Oh well, no point worrying about it yet is there!

Almostthere78

NSD (#6) today :j
Paid another £2.50 off my credit card debt so the balance is now £245 - getting there slowly but surely! I also emailed my soon to be only creditor and asked them what their company policy is regarding applying interest if my DMP payments exceed the original monthly payments, I haven't had a response yet but if something is bothering me then I feel like I have to be doing something about it. If I know that they are going to start applying interest again then I can start writing letters to them asking them not to and if they say that company policy is that they won't then I can use that later on if they do!
Made a rather interesting ricey salad type thing for tea with literally all sorts in it; tuna, sweetcorn, peppers, tomatoes, cucumber, onion with a dollop of mayo and a bit of sweet chilli dipping sauce on top. I have a rather large bag of rice that I am determined to use up over the next few months as it has been lurking in the cupboard for ages! I can never get quantities right when cooking rice, you put the amount they suggest for one portion in the pan and it looks like nothing so you add a bit more then before you know it you have enough rice to feed an army!
Still haven't listed anything on Ebay.......
I have been trying to drive more efficiently today after reading an article on here about cutting fuel costs, this would be MUCH easier if I had a computer thing that told me what was good and what was bad, in my head the quieter the engine then the better the fuel economy and keeping the rev counter thingy at 3 or less is also good, I know that both of these things are probably completely ridiculous but I'm going to give them a whirl for a week and see if my fuel bill goes up or down - because I am just a thrill seeker..........