Unsinkable

[Deleted User]

Morning,

I have so much going around my head at the moment with regards to the debt.

By my calculations, the debt may have increased by £1000 overall but if we hadn't paid off as much as we had so far this year, the debt would be in the 20's, so I am NOT going to beat myself up about it.

Where we are that extra £1K should be gone by Christmas along with some extra (with any luck) so we will be back to where we were at the beginning of the year.

I will know where we are once I have the final figures and can then plan next year.

[Deleted User]

Deleted_User wrote: »

• Update email address on Savings accounts - Done
• Fill in & send off voters form - Done
• Find and pay DD's travel - To be done
• Sort principality account for OD/Mortgage over payments pots - Forgot
• Make a list of uniform bits needed- To be done
• Check savings account for Christmas - Done

Just a few bits and bobs to sort and then my list will be done.

[Deleted User]

Deleted_User wrote: »

• Update email address on Savings accounts - Done
• Fill in & send off voters form - Done
• Find and pay DD's travel - To be done
• Sort principality account for OD/Mortgage over payments pots - Done
• Make a list of uniform bits needed- To be done
• Check savings account for Christmas - Done

Okay so with Principality, I have now set my pots up as follows:

General - This is my default pot - will be used as my emergency pot
DD's Travel - Yearly
Overdraft - Will make a monthly payment until I hit target
Mortgage Overpayment - Same as above
Cars - Again as above but no set target, will be used for all things car related

Trying to think of anything else that I can make a pot for, Christmas is with my HSBC saver, so don't want to move that.

ETA - I can only have 1 more pot, so want to make the most of what I can do

[Deleted User]

Deleted_User wrote: »

Okay so with Principality, I have now set my pots up as follows:

General - This is my default pot - will be used as my emergency pot
DD's Travel - Yearly
Overdraft - Will make a monthly payment until I hit target
Mortgage Overpayment - Same as above
Cars - Again as above but no set target, will be used for all things car related

Trying to think of anything else that I can make a pot for, Christmas is with my HSBC saver, so don't want to move that.

ETA - I can only have 1 more pot, so want to make the most of what I can do

Sorry another post....I did mention that things were going around in my head

Pot 5 - I'm thinking of a Household pot, so things like general house stuff or decorating stuff etc can come from it?

Birthdays/Christmas will remain with my HSBC saver for ease.

[Deleted User]

Morning,

I think I finally have everything in my head straight after yesterday :rotfl: I had to write it down just so I knew where I was and where I wanted things to go.

The Pots finally look like this and I feel happier now they're in place.

General - This is my default pot - will be used as my emergency pot
DD's Travel - Yearly
Overdraft - Will make a monthly payment until I hit target
Mortgage Overpayment - Same as above
Cars - Again as above but no set target, will be used for all things car related
Household - Everything house related - may include Quarterly and Yearly bills??

DD's travel pot is for at least the next 4 years whilst she is at school.

Once the overdraft is gone, I want to start putting money in the kids bank accounts to build them up a bit.

IF DH gets another job, we could have an extra £250pm in the bank. This will help massively with the pots too.

I need to set my goals for September yet, Augusts ones haven't been too bad, but I could improve (always my mantra!)

I did a run last night, my legs ache, but I think that was more to do with the 2 hour round bike trip we did on Sunday...still it was better than doing nothing.

Hoping on a few surveys today, PA has gone quiet and I don't like the new layout Inching closer to pay out with OP and limping along with PB.

I've got my lunch with me today and I have a cuppa soup in my drawer to eat too.

I need to pick up DD some verruca stuff, so will do that on the way home tonight.

[Deleted User]

I forgot to mention that I had to merge the Cars and Household one as I was only allowed 5 pots and that included my default pot but for tracking purposes I will keep them separate on here.

monz

What is PB xx

[Deleted User]

monz wrote: »

What is PB xx

PB is Panelbase hun xx

WelshKitty85

Deleted_User wrote: »

PA has gone quiet and I don't like the new layout

Ive had nothing but problems with PA this week, very few studies and the ones that are there won't work. So frustrating as I was hoping to make the most of them before I go back to work.

ftbwannabe

Wow, with all the running and planning and biking and decision-making, you've been super busy recently! I hope you're feeling chuffed and organised. :-)