Getting it together...one £ at a time!

PositiveBalance

Homegrown0 wrote: »

Well, i spent some time on my spreadsheets to adjust the nursery costs from September and I'm quite pleased with how things are looking. It's looking like my DFDs from each debt will look like this:

Loan: January 2020 (9 months)
CC1: March 2020 (11 months)
CC2: June 2020 (14 months)

Wow, Homegrown! You are absolutely steamrollering it! :T

Homegrown0 wrote: »

FINALLY my £100.01 that has been pending on TCB since December has cleared! I have cashed out to my bank account so it should be there in the next few days. It'll be going straight off the CC when it comes in Nice start to the month!

Nice start indeed! What you doing with that money?

Homegrown0

PositiveBalance wrote: »

Wow, Homegrown! You are absolutely steamrollering it! :T

Nice start indeed! What you doing with that money?

It'll be paid into my CC1 as an overpayment - every little helps. This money actually came as cashback for paying our holiday so it's nice to be rewarded for booking treats :rotfl:

PB, I feel like I'm finally making progress but I just want to make sure that I'm actually able to commit to the extra payments that I've scheduled in. Keeping the savings going at the same time should allow for that so if anything comes up the savings can buffer that instead of having to take money out of the overpayment pot. I'll take it as it comes but I'm feeling geared up for the next chapter!

teafor2

Morning HG Those dates are looking so good :T Fingers crossed nothing crops up and takes you by surprise but even if it does I'm sure you'd be all over it like a rash so that it doesn't extend your debt free dates by too much.

Have a lovely day. xx

Choccygirl123

I'm mega cautious about the real world too. It's crazy isn't it but my condition and disability makes it's really obvious to anyone who knows me. I'm completely paranoid!

Yay to the free hours of childcare. Make sure you separate that cash so it doesn't get swallowed up without you knowing it's impact. X

PositiveBalance

Homegrown0 wrote: »

It'll be paid into my CC1 as an overpayment - every little helps. This money actually came as cashback for paying our holiday so it's nice to be rewarded for booking treats :rotfl:

PB, I feel like I'm finally making progress but I just want to make sure that I'm actually able to commit to the extra payments that I've scheduled in. Keeping the savings going at the same time should allow for that so if anything comes up the savings can buffer that instead of having to take money out of the overpayment pot. I'll take it as it comes but I'm feeling geared up for the next chapter!

It's a lovely feeling, isn't it? :A I know exactly what you mean. I'm currently in a bit of a lull period after doing quite well for a while but I'm trying hard to not to lose hope as there is progress happening, it's just not showing in the numbers yet.


Keeping some savings for an emergency is no bad idea.


Keep on keeping on, my friend! Well done! :T

kindofagilr

Rocking it as always Homegrown xx

doingitanyway

Well done on the extra payments.

2020 will here before you know it...

Scott-Weiland

Homegrown0 wrote: »

It'll be paid into my CC1 as an overpayment - every little helps. This money actually came as cashback for paying our holiday so it's nice to be rewarded for booking treats :rotfl:

PB, I feel like I'm finally making progress but I just want to make sure that I'm actually able to commit to the extra payments that I've scheduled in. Keeping the savings going at the same time should allow for that so if anything comes up the savings can buffer that instead of having to take money out of the overpayment pot. I'll take it as it comes but I'm feeling geared up for the next chapter!

Well done on the over payment its a result getting some cashback. I wish top cashback would hurry up with the 80quid i have in pending

Homegrown0

kindofagilr wrote: »

Rocking it as always Homegrown xx

Thanks! :j

doingitanyway wrote: »

Well done on the extra payments.

2020 will here before you know it...

I hope so - it still seems like a way off, but i know this year will fly in. It already is.

Scott-Weiland wrote: »

Well done on the over payment its a result getting some cashback. I wish top cashback would hurry up with the 80quid i have in pending

Mine took almost 4 months to become payable - I was actually starting to get a bit worried that they'd find an excuse to decline the payment or something. But I got there in the end

Homegrown0

PositiveBalance wrote: »

It's a lovely feeling, isn't it? :A I know exactly what you mean. I'm currently in a bit of a lull period after doing quite well for a while but I'm trying hard to not to lose hope as there is progress happening, it's just not showing in the numbers yet.

Keeping some savings for an emergency is no bad idea.

Keep on keeping on, my friend! Well done! :T

Thanks, PB! you're right, it is a lovely feeling. Lulls are the most dangerous thing, for me it makes me feel that if no progress is being made, i want to do SOMETHING so i end up self-sabotaging. Ridiculous, i know, but it's easy done.

That's my main priority - overpaying as much as we can, while still living our life and still keeping some money aside for savings. It's important to me to be secure in knowing that we can cope with a moderate emergency. So far, so good!

Choccygirl123 wrote: »

I'm mega cautious about the real world too. It's crazy isn't it but my condition and disability makes it's really obvious to anyone who knows me. I'm completely paranoid!

Yay to the free hours of childcare. Make sure you separate that cash so it doesn't get swallowed up without you knowing it's impact. X

Oh yes, that is exactly what we'll be doing! I've already pencilled in the extra childcare funds to our budget from September onwards and allocated it to come out of our account, so there's no chance it's being swallowed up.