Going, going...still going! 16 December 2018 at 3:29PM edited 29 November 2019 at 8:03PM in Debt Free Diaries 961 replies 69.8K views

BlackCoffeeNoSugar

Thanks Babystepper! It's definitely looking smaller than it was before I know what I'm like though, and I do have to keep reminding myself that a smaller debt total doesn't mean the debt can look after itself - just need to keep going to get it gone once and for all!

Treated myself to a Calippo today, and some Dreamies for PD, but NSD otherwise

mark55man

The kids loved Calippo's - and so did I they were only 80p instead of £1.50 for a magnum. My local tesco's has 4 white magnums for £1.50 which was a deal !! - might have just finished one !!

BlackCoffeeNoSugar

I love them! I really love the coconut water ones from Ald, but they are too moreish, so I can't buy them or else I just eat all 4

4 magnums for £1.50 is a bargain! I do like an almond magnum, but can't quite justify buying them...and I have the table manners of a small child, so my sofa would be covered in melty chocolate shards

PD is very content with her Dreamies Although she has just spilt some herbal tea across the coffee table, and there is a series of wet paw marks to match :rotfl:

BlackCoffeeNoSugar

NSD today

Still no luck on the job front, but early days yet, and did get some useful feedback on an application. Got a few to apply for this week, and we'll see where that takes me. No prospect of time off at the moment as others are taking the start of the school hols, but hoping I can get a day somewhere. Really feel I need it, as I'm sleeping more and more at the moment, and that's definitely a sign of being a bit burnt out.

Seeing my brother tomorrow, for the first time in a while. We're getting a coffee nearby so tomorrow won't be a NSD. If it were someone else, I'd invite them round, but as he's likely to bring a child, and they aren't very gentle, so best to leave PD unscathed!

mark55man

That’s good that you are getting feedback. It shows you are close or they wouldn’t bother.

Enjoy time seeing your bro.

BlackCoffeeNoSugar

NSD today Put a wee £5 payment to my CC as a result - before it didn't seem to make too much of a difference to the overall total, but they are starting to look a bit more substantial now.

It was interesting catching up with bro - we have very different viewpoints on many things, and attitudes, but live and let live... Lots of well-meaning but utterly useless advice featured as per usual, ah well!

In other news, just looking forward to the weekend, really! Got a risotto baking in the oven (I know, it's sacrilegious, but it's very good!) which will do about 4 meals, depending on how much I eat of it tonight...and there's still a callippo in the freezer [Edit: sacrilegious = delicious ]

Sometimes I think that I really must have the most boring diary on here, especially reading the above back...but debt-busting is boring, no matter how much people will try to convince me otherwise!

JennyJukes

BlackCoffeeNoSugar wrote: »

NSD today Put a wee £5 payment to my CC as a result - before it didn't seem to make too much of a difference to the overall total, but they are starting to look a bit more substantial now.

It was interesting catching up with bro - we have very different viewpoints on many things, and attitudes, but live and let live... Lots of well-meaning but utterly useless advice featured as per usual, ah well!

In other news, just looking forward to the weekend, really! Got a risotto baking in the oven (I know, it's sacrilegious, but it's very good!) which will do about 4 meals, depending on how much I eat of it tonight...and there's still a callippo in the freezer [Edit: sacrilegious = delicious ]

Sometimes I think that I really must have the most boring diary on here, especially reading the above back...but debt-busting is boring, no matter how much people will try to convince me otherwise!

Sometimes I think the same - of how boring I must sound to others, especially as I'm in my 20's and don't want to go out drinking and spending money every weekend like them!
But, I actually find it fun? Whilst my ex brags about spending £400 on a suit for a wedding (that isn't even his or a close relative) I'm bragging about getting free teabags. Debt busting and being frugal actually is fun and interesting to me, I love learning new tips and seeing what I can do with very little!

BlackCoffeeNoSugar

That's very admirable Jenny, good for you. Still won't convince me it's not a dull ol' treadmill though!

enthusiasticsaver

Getting close to that £2k mark now. Are you still paying £300 a month or are you building up the EF? Does the deal expire in December or have you transferred to another deal?

BlackCoffeeNoSugar

I'm back up to paying £320 a month now, last month was the only EF top-up I'm planning (and it should go to the CC towards the end of the year anyway). This will go out later this month.

Current 0% deal is until 25th Dec, and if I only pay the £320 per month until then, I'll have £550 left to pay at the end of the deal, which I'm planning to cover with the EF...or if it comes to it, I can pay interest for a month. I have an 'empty' CC with constant 0% BT deals, but the 4% fee it would cost to BT at that point would cost me more than the interest will (£22 fee cf £12 interest). I'll evaluate closer to the time, but that's my thinking at the moment.

Also keeping my fingers crossed that I'll be in a higher paying job by the end of the year too, and if that's the case, I'm planning to keep my current budget going, and will chuck any salary increase to the CC.