£50k to zero - made it across the finish line

Drawingaline

Lol with the hair prices! I spend FAR too much getting mine done, but for me it is in my budget (goal in ynab) and I love experimenting with my hair so need it done properly. I get it dyed, I am not going grey gracefully, besides my mil who is 20yrs older than me hasn't succumbed to the grey yet, I refuse to if she hasn't lol.

strawberryfield2233

Hello One-step just caught up with the thread! Wow lots going on! , I am in your camp I cut my hair, hubby’s and son’s (rather badly at times ) still I am NOT paying salon prices unless its a really special occasion! Sorry to hear about boiler hope it can be fixed.
Well done on what you have been doing and the decorating!
Have been buying lots of yellow sticker easter eggs (25p lindt eggs small but in a box with a few animals) this is not good for the waistline :eek:eek: take care

One-step-at-a-time

strawberryfield2233 wrote: »

Have been buying lots of yellow sticker easter eggs (25p lindt eggs small but in a box with a few animals) this is not good for the waistline :eek:eek: take care

I've been zooming past the cut-price eggs in S-bury for the last week

Nothing moving out of my accounts today, but Nwide have kindly paid in our mortgage cashback three weeks earlier than I was expecting, so that's gone straight to the EF.

Still waiting for the plumber but have started to look at replacement boilers. For the size/type we're looking at worst case £1170 + labour (and if certain DIY chains give staff discounts I can enlist a relative to help out), OR (if it's just the circuitboard that's gone, as is hoped, and not the whole thing) £178 plus labour. Labour is the unknown quantity here; I've not spent much time researching yet, but most of the sites I've looked at quote £500-1000 for full replacement :eek:. I'm hoping like-for-like would be the bottom end of that scale, being a less complicated job. If I am prepared for around a £2.2k hit I am less likely to burst into tears when the verdict comes in, and *might* be pleasantly surprised. We will have at least £750 to go to it upfront, and I have enough card space and BTs available to buy a boiler and move it to 0% for 18 months if I HAVE to.

I am now feeling very motivated to list the rest of the ebay stuff!

One-step-at-a-time

We're now 100 days into 2018.
With various policies to sort out, the budget has £85 or more extra wiggle room in it from July.
I have just looked at last December's spreadsheet, and I'm gobsmacked. When I started this diary in February, I estimated we'd shifted more than £7k between us in 2017, and my share of that was somewhere around £5-5.5k. I haven't been keeping track of dh's card in my totals (though I know it's going down more slowly than last year at the moment due to his car payment) BUT I have paid £5318 off my debts in 4 months :eek:
Some of it has been helped by having two council tax free months, and some pre-emptive saving towards the lump that landed in March, but I'm still pretty pleased with that.
The high payments are difficult, but so many lessons have been learned that I am choosing to see it as paying for a valuable education (and honestly, when you look at the numbers it's really not that much worse than paying tuition fees these days!)

remote_control

That's incredible how much you have paid off in 4 months!! If I had that kind of dedication it could be gone in a year.....

Well done!

One-step-at-a-time

remote_control wrote: »

That's incredible how much you have paid off in 4 months!! If I had that kind of dedication it could be gone in a year.....

Well done!

Thank you! Unfortunately that level of repayment is not going to be sustainable; we've done virtually nothing so far this year in an attempt to get ahead of ourselves, but it would drive us both absolutely potty to have no social lives for the rest of the year. May, June, August and September all involve events/travel that we either can't or don't want to avoid, but I'm planning in advance as much as I can- we've got a couple of hotel rooms free from saved loyalty points (and a couple more were pre-paid last year), some car shares, a few long drives home to save forking out for accommodation, that sort of thing. I'll still have to do 980/month as a minimum but it will get juggled somehow

remote_control

The thing I love about paying that kind of amount a month is that it really ticks down, like sub £30k on debt 1.

Make the most of clubcard vouchers and 2-4-1 deals if you have to eat out.

RhiBi

That's amazing, I'm in awe! Well done!

One-step-at-a-time

:beer::j:T:beer::j:T:beer:

^^See that happy dance?
I wasn't planning on another post, but this is a good exception That's the "Boiler doesn't need replacing and circuit board plus labour is £260" happy dance!
Ohmygoodness I actually physically felt the weight lift from my shoulders!

remote_control

wow! Amazing!!