Tuesday 1st December - What small DFW things will you do today???!

Tyrone_Black

I paid off £2k today. It really hurts because if I'm honest I have no idea what I spent it on in the first place. Still £4k to go but it's all interest free for another 19 months and I have £2k saved, so it's not the end of the world. I just wish I could go back a few years and not put myself in this. Without the debt I'd be pretty comfortable right now.

La_escocesa

Hi TB - don't let yourself get down about it - that's absolutely fantastic that you paid off £2k today!!! :T

If you use the other £2k you have saved up then you can pay the rest off at £105pm and you'll be debt free before you know it!

Bobarella

Ziggy- sorry to hear your mum didn't have her biopsy. It must be stressful to have to wait again now.

Tyrone - well done! Hindsight a wonderful thing isn't it though.

Tyrone_Black

La_escocesa wrote: »

Hi TB - don't let yourself get down about it - that's absolutely fantastic that you paid off £2k today!!! :T

If you use the other £2k you have saved up then you can pay the rest off at £105pm and you'll be debt free before you know it!

Yep, and I can do £105pm fairly easily alongside a Help to Buy ISA, especially since my budget already includes a £40pm minimum payment. My plan right now is to start paying the maximum £200 a month into the ISA and shove anything I have above the £2,000 TSB interest threshold into paying off the card, then see how things look in early 2017. I expect I'll either have to dip into that £2,000 or transfer some debt again but it's manageable.

Thanks for support, friends!

crazy_cat_lady

Hey everyone - I've survived another day.... Another day closer to the Christmas hols. And I'm so tired now that I can't even seem to switch my brain on. Anyway...
Congratulations to Karb - I finally got the good feeling of being df today when all my dd's went out of my account and there was still quite a bit left in there. :j
Ziggy, sorry that you're playing the waiting game... It's awful.

crazy_cat_lady wrote: »

[STRIKE]:p check bank and PAD[/STRIKE]
[STRIKE]:p reconcile YNAB[/STRIKE]
[STRIKE]:p full day of teaching[/STRIKE]
[STRIKE]:p get some marking done[/STRIKE]
15 mins housework and declutter passed all of this onto the rest of the family
[STRIKE]:p get the kids and dh to do something[/STRIKE]
[STRIKE]:p take 2 cats to vet for annual jabs :money::money::money::money:[/STRIKE] £108
[STRIKE]:p minimise use of heating (although that is getting harder)[/STRIKE]
[STRIKE]:p allow form class to put Christmas decs up :A[/STRIKE]
[STRIKE]:p do not stress[/STRIKE]
try and find time to exercise Nope
get an early night :rotfl: earlier than last night
[STRIKE]:p aim for nsd other than vet[/STRIKE]
[STRIKE]:p all meals from stores[/STRIKE]

Quite a productive day - I'm aching after training but was on the go tonight until after 7 so no chance of 'working through it'. I had to bring marking home so I could get it done for tomorrow. I'm still determined I won't be bringing marking home over Christmas.

allydowd

Bobarella wrote: »

Ally - your Aus savings are really mounting up well done! Sorry life is difficult at the moment.

Bob

Thanks Bob. Can't wait to go to Aus.