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Slipping Through My Fingers
Comments
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Hi Beanie, after this month's big payment it's at £1,529 but interest gets added on. Minimum payment is just over £50 but I'm paying £120 every month and then some extra where I can.
Really I could pay more but it would be at the expense of other things that I want to do at church and behind the scenes. I know charity begins at home and especially if interest is involved :rotfl: but it's just the way I am. It'll get to £0 eventually and I've not used it for nearly 2 years now so can definitely live without it when it is cleared.
We only get appts for the subjects DS wants to take for GCSE's and he's managed to get them all within half an hour of each other so I don't think we'll be there too long. Just hoping we don't have to run from one to the next as the school is huge and there are lots of different buildings teachers use :eek: The worst one was with DD. We had to walk up 3 flights of stairs, back down to the ground floor, then back upstairs again! xx1 -
I used to hate parents evening too at secondary school, you feel like you have to go or it looks bad, but you often come away wondering what you actually learnt from it!
As long as you know the cc is being paid off then your current arrangement seems good. It allows you to have savings pots for treats which makes the debt free journey more enjoyable.
Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS1 -
Back from parent's evening. Glowing reports all round.
Thanks HHD, you're right. As long as it's going down and I'm still able to put some money to one side for 'my things' and some to one side for 'other people' I'm more than happy. xx
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Back from parent's evening. Glowing reports all round.
Thanks HHD, you're right. As long as it's going down and I'm still able to put some money to one side for 'my things' and some to one side for 'other people' I'm more than happy. xx
Good on all fronts:T:T:T xxI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
Exactly Beanie. CC company are happy, I'm happy and hopefully a few other people will also be happy
I've just PM'd you. xx
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Morning Everybody
Day 8/31, NSD's 3/15, Prolific £3.90 cleared, £3.40 pending, Cash for 8th-14th March £31.75
Got my spends of £26.75 today and I also had £9.40 left from last week. I've kept £5 in my purse and split the remainder, £2 to charity and £2.40 to CC bonus payments . The theatre ticket pot has gone and the money in there has been added to the caravan fund. We don't really spend much when we're there for the weekend so I'm going to try and keep hold of this until the Easter/Summer hols and if we want to do something specific I'll use it for that.
So, March, Week 2 and pots are looking like this:
Savings £72.50
DS Savings £30
Christmas £35
Caravan £43.50
Dogs £75!
Hairdressers £10
Christmas Charity £6
Credit Card extra payment £40
CC Bonus Money £2.40
Hope everybody has a lovely Friday and a good weekend. xx1 -
Morning Tea
Glad the parents evening all went well, ours is Tuesday evening. The savings pots are coming along nicely and well done on the extra CC payment too and without having to give up things you enjoy too, win win x It will be gone before you know it.
Hope you have a lovely weekend planned.
NMC xHouse Savings - £28.83
Emergency Savings - £105.19
Christmas Savings 2020 - £300
No spend days - 13/15
Debt:: MBNA: £100/£2,653.25 NEXT: £199.00/£199.00 Paid 13/03/201 -
Day 8/31, NSD's 4/15, Prolific £0, £1.40 pending, Cash for 8th-14th March £31.75
Ending the week with a NSD and a Prolific cash out of £5.90. I'm only 100 points off my first Shoppix cash out as well.
Just a bit of useless information but I've been doing Receipt Hog since 29th December and still have 600 coins to collect before I can cash out £5. I could get a £3 Amazon voucher for 1000 points but I don't buy anything off there so I'll hold out.
Compare that to Shoppix which I started on 22nd January. I will definitely be able to cash out £5 in the next 2 or 3 days so Shoppix is definitely quicker but it's all free money so I'll carry on doing RH. xx1 -
I post on my diary quite often and at least 50% of it isn't even money related lol xxDebt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid OffMortgage (01/04/09 - 01/07/39)
£79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off
Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20
Asda Savings - £0
POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80
~ Emergency Savings: £0
My Debt Free Diary (Link)1 -
K - I'm surprised how quickly it's become a habit for me posting on here. I suppose talking about money all the time would be very boring especially if we're all here because we've not got much of it :rotfl:
Day 9/31, NSD's 4/15, Prolific £4.70 cleared, £0 pending, Cash for 8th-14th March £31.75
Think today will be another NSD. We'd planned to go to the van this weekend but a combination of bad weather forecast, having to take the dogs and no awning up yet made me change my mind.
I did a Prolific survey on Weds that was worth £2. In part of it you had to toss a coin 4 times and say how many times it landed on tails. Every 'win' was worth £1. I got 3 so put that down but I thought it was just a virtual win so I was completely gobsmacked to log on to PA this morning and see that £3 for the coin toss has just come through. :T
I've got the door open for a bit of fresh air and the wind is howling. Love the sound of wind. Hope you all have a good day.
xx1
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