£67,031.92 is a frightening number indeed....

Treadingonplaymobil

Silver_Queen wrote: »

A random thought...I'm sure you're already fully aware of this, but just in case you're not - have you had some of your personal allowance transferred to your OH as marriage allowance?

I did transfer it to DH last year, but then ended up using too much of what was left and he has to pay it back through PAYE this year! So not entirely worthwhile. I'm not sure if it continues to happen automatically or whether I need to cancel it, but I probably should.

ellen_vannin wrote: »

Good plan and should be doable.

I like the way you include other income besides wages,
e.g. cashback , ebay sales , underspends etc.

Should be really motivating and easy to follow

Good luck !

One idea maybe you could put some savings into premium bonds as a temp measure , any wins are tax free !

Ooh, that's a rather fun idea - the premium bonds. I have just been on there and see it's instant access. I need most of my money to be instant access, so I won't get great rates in a savings account anyway, but I might just stick the extension/Christmas savings into premium bonds until they're needed. You never know, maybe I'll pay off my debt with my winnings :rotfl: . I've always been very sniffy of premium bonds because the equivalent rate is so rubbish, but actually for money that's just sitting in my current account anyway for six months, it might as well sit there.

Treadingonplaymobil

Feel like I haven't achieved much today - I'm at that stage of being ill where I still can't do much, but I'm well enough to know how much I should be doing. Tedious. I'm so rarely ill, and I'm very glad, as I'm a terribly impatient invalid!

Three things to do today:
1. Check make up - I know I'm running out of a few things but don't want to order replenishments too soon or too much. Especially foundation, as if I can limp through until warmer weather when I'm usually on a darker shade I can replace the lighter one next winter. Done, ordered a couple of bits but not as much as I thought I needed to. Much more inclined to be careful now I've reduced my clothing budget down for the year (make up comes from this too).
2. Make a decision re a party that I'm not really happy for DC2 to go to, but he is desperate to. We have decided not to send him, I feel really bad, but I'm not convinced that the party location is a safe environment for a bunch of 7yos.
3. Boring boring phone call that I have promised to do this morning to help someone out. Hoping it's <30mins. Well, she cancelled, so that was nice .

Debt repayment:
- £53.99/30 April rounding down pot.
- £1,946.33/£5,000 2018 debt repayment goal.

WannabeFree

Party decisions are difficult aren't they? My DD was 7 in Feb and has been invited to her best friends birthday party next month. Which I have no issues with. However she's also been invited to sleep over :eek: and I'm really not comfortable with it I'm worried I'm over protective so have said to her I'll think about it

Hope you're feeling better soon
x

PositiveBalance

Good luck with your new target. I hope you print off a chart you can colour in every time you make a day's worth of earnings.

Treadingonplaymobil

PositiveBalance wrote: »

Good luck with your new target. I hope you print off a chart you can colour in every time you makr a day's worth of earnings.

Well now I have to do this!

Treadingonplaymobil

Week 63: Day 4

Humph, I was going to start my yoga again this morning, but I turned off my alarm and overslept by an hour. I suppose I should take that as a sign that I'm not better enough to do it yet - I normally bounce out of bed fairly easily at silly o'clock. All this being ill has done wonders for my weight loss though - I'm down to 69kg, from 71kg last week, having had absolutely zero appetite. I'll soon be back in some of my summer clothes that I was too big for. Silver linings. :rotfl:

I was going to complain that YNAB was offline this morning, but actually it just came back on, so I have been able to do my budgeting, including paying another £100 off the Barclaycard. CC debt now standing at:
£11,222.62 Barclaycard
£2780.62 Virgin card
£14,003.24 Total
I think I need to find £3.25 today to get below the £14k barrier! I have also now paid over £2k off CCs this year, which is rather pleasing. Total debt still atrocious at £34,003.24 (another reason to pay that £3.25!), with £193,009.83 on the mortgage, but let's not spend time focusing on those numbers :eek: .

My last day of childcare of the week today, so I always end up trying to squeeze a lot in. Particularly because I have clients on Saturday, so no catching up then.

Oh, and I stuck £300 into premium bonds, and will add a couple of hundred more once I've assigned money for next month. As I said, it might as well sit in there earning no interest as sitting in my current account earning no interest.

Three (or maybe more...) things to do today:
1. Order frames for two prints we've had waiting for aaaaages, now we have money in the household pot.
2. Finish next week's contract work.
3. Change driving license address - DH got stopped for a routine check the other day and I realised I haven't updated my license details since we moved 2.5 years ago!
4. Menu plan for next two weeks - I have loved the 2 week menu plan, even though I'm not sure it's saved us much money (although maybe it has saved some, because there seems to be lots of food leftover, so we'll see if the next fortnight is cheaper), because it's nice to only think about it every 2 weeks!
5. Clean kitchen - every room is a bit of a disaster since I've been ill! Time to make a start repairing the damage. DH has kept on top of the worst, but things are not exactly up to my standards.
6. Check dietary requirements of weekend clients.
7. Social media for work.
8. Do some ironing.
9. Research camping trip with friends in the summer.

Debt repayment:
- £53.99/30 April rounding down pot.
- £2,046.33/£5,000 2018 debt repayment goal.

wishingthemortgaheaway

Does the £100 payment include the moment in the roundin down pots? If not, sorted. You can make the cc (and the mortgage) nice round numbers.

Suffolk_lass

Treadingonplaymobil wrote: »

£11,222.62 Barclaycard
£2780.62 Virgin card
£14,003.24 Total
I think I need to find £3.25 today to get below the £14k barrier! I have also now paid over £2k off CCs this year, which is rather pleasing. Total debt still atrocious at £34,003.24 (another reason to pay that £3.25!), with £193,009.83 on the mortgage, but let's not spend time focusing on those numbers :eek: .

Oh, and I stuck £300 into premium bonds, and will add a couple of hundred more once I've assigned money for next month. As I said, it might as well sit in there earning no interest as sitting in my current account earning no interest.

Three (or maybe more...) things to do today:
1. Order frames for two prints we've had waiting for aaaaages, now we have money in the household pot.

3. Change driving license address - DH got stopped for a routine check the other day and I realised I haven't updated my license details since we moved 2.5 years ago!



Debt repayment:
- £53.99/30 April rounding down pot.
- £2,046.33/£5,000 2018 debt repayment goal.

Can you find ten pounds to round your mortgage down under the next £K too?

Very impressed with your little TTs this month - £53.99/£30 - that is brilliant :T

Another option to premium bonds is to move your stash around between interest-bearing current accounts - there are some truly impressive examples of people making loads this way (Westie has around 40 accounts and a spreadsheet or YNAB to track all the DD and SO to shuffle it all about so he keeps getting 5% interest everywhere). I am just not that organised but if you are actively looking to make money, 5% of £1000 is £50...

Ahem, Jiminy Cricket (your conscience, if you are too young to know) over here - Order frames??? I thought you wanted a pillow!!!

And if your old licence is paper, I suggest you wait to change your address, because once you are plastic, you have to renew it and your photograph every few years (at extra expense!). If you ever had to produce it in an official capacity you would be forced to do it but without penalty the first time.

wishingthemortgaheaway

I was thinking about the £10 to get the mortgage in the £192k too.

XSpender

I was going to suggest the £10 off the mortgage too :rotfl: