On a Mission

wishingthemortgaheaway

I think that puts you over the 50% mark doesn't it?
I make 50% £23,222.11(and a half p)

Mummy_bear

wishingthemortgaheaway wrote: »

I think that puts you over the 50% mark doesn't it?
I make 50% £23,222.11(and a half p)

You're not wrong Wishing.

I noticed something amiss yesterday whilst updating figures. I realised at some point I'd missed off an entire months debt repayment from my total paid part in my signature. So I added that back on bringing total paid to £23707.85.

For some reason I didn't double check the percentage paid. Just thought I'd made a error updating total paid until you pointed out what 50% would be!! In my defence I've had quite a week adjusting to full time work after 13 months off...it's not been the only thing that's gone wrong :rotfl:

There's no denying it, I could never be an accountant. I'd never balance the books.:rotfl:
I've checked the outstanding balance's for all the debts and they're correct.
At least debt is going down not up

There you have it 50% mark was passed in June
By end of June 51.05% was paid :j

wishingthemortgaheaway

Woooohoooooo you are on the homeward stretch. Less to go than you've done, upped ability to pay off the debts so the last half will go quicker than the first and such a positive outlook. How does Daddy Bear feel about all of this?

I say it again, you are superwoman.

Mummy_bear

wishingthemortgaheaway wrote: »

Woooohoooooo you are on the homeward stretch. Less to go than you've done, upped ability to pay off the debts so the last half will go quicker than the first and such a positive outlook. How does Daddy Bear feel about all of this?

I say it again, you are superwoman.

I think the magnitude of what we've achieved despite the obstacles along the way doesn't appear to register with him :rotfl: although he does love the fact he's not had an overdraft for a long time (I think it's reaching 2 years since he's had one) and he does actually have his own money for personal spends that isn't credit:cool:.

There was once a time when he lived in his overdraft, significantly. He recognises his failings. He just can't manage money full stop. His attempts to save are always foiled by him dipping into it. He can't keep track of his spending. He's tried to take control of his finances many times in the past and ALWAYS fails, a huge reason for some of this debt tbf. So I look after all financial things. He's a man child really :rotfl: The apple doesn't fall far from the tree though and a quick look at his family and it's easy to see why he's the way he is. I'm not blameless may I add, I've certainly had my weak moments.

I do love that we're over the 50% paid mark. Hoping to smash this debt in 18 months. I'd love to be debt free by Xmas 2020.

enthusiasticsaver

Changing spending habits is hard so you can both congratulate yourselves and this will give you a solid financial platform going forward. My DH does not do well with finances either and has no idea about budgeting. I say play to your strengths so if you manage your money better stick to you controlling the budgets.just make sure you communicate your reasoning to him though.

DancingInTheRain

Fantastic result on passing the half way mark, well done you :j Can totally relate to the stress of mornings/evenings around work having done my KIT days this week. Definitely an eye opener and I agree that getting organised in the evenings and lists are the way forward.

Good luck on the rest of your journey, looking forward to watching you smash your DFD xx

ohdearhowdidthathappen

Massive achievement to pass the 50% mark :beer:
You're right, work itself itself is easy, but the logistics are a nightmare. Getting everyone where they need to be and with what stuff is a military operation!

Mummy_bear

Payday today and that means the last 2 planned payments of the month comes out. I've also had a refund for my slight overpayment from the student loans.That's earmarked for DSs new trainers.

Slowly getting myself into a routine now with work. Still feel rushed all the time but I'm sure it'll get easier.

I've also started Xmas shopping :eek :been saving every month so there's budget to use. Am@zon has their prime event and I found a couple of things that tornado toddler has already asked for and that I know she'll still want by Xmas. Won't be long until the shops stock for Xmas :rotfl: I do love that time of year though ams happy to report I've never gone into the debt for Xmas, always saved!


Totals as of 15th July

HSBC CC £3935
MBNA CC £2811
Tesco Loan £5106.96 £213.04 paid off
Santander Loan £2953.55 £155.45 paid off
M&S Loan £4187.76
DH MBNA CC £2564.85



Total debt as of 17th June £22736.21
Total debt as of 1st July £22064.09
Total debt as of 5th July £21927.61 sub 22k :j
Total debt as of 15th July £21559.12
~~~~~~~~~~~~~~
Monthly Challenge


Earn £25 payable from survey sites

£0/£25

VO is now up to £10.10
PA currently has £18.72 payable and £1.34 pending.
Onepoll currently has £29.80 in there. getting through a few of these. Inching closer to the £40 cashout threshold
Yougov currently has 885 points in there.
E.Rewards currently has 5000 points in there.
Qmee has £2.12 in there .(July cashout so far £0)




Pay off £1150 from debt £1170.61/ £1150 :T




To list 10 new things on 3bay
6/10



MB

wishingthemortgaheaway

Your debt is now considerably less than my mortgage. (It has been for a while, but it's only just hit me today that it actually is...)

Mummy_bear

wishingthemortgaheaway wrote: »

Your debt is now considerably less than my mortgage. (It has been for a while, but it's only just hit me today that it actually is...)

Ah yes but I don't have any limits on overpayments otherwise I'm sure you'd be going all out with your Mortgage