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Buffy's 30 Month Plan

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  • Sun_Addict
    Sun_Addict Posts: 23,967 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy New Year. Hope it's a good one for you xx
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • crazy_cat_lady
    crazy_cat_lady Posts: 7,063 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Happy New Year Buffy xxx
    Not giving up
    Working hard to pay off my debt
    Time to take back control
    https://forums.moneysavingexpert.com/discussion/6290156/crazy-cat-lady-chapter-5-trying-to-recover-from-the-pandemic/p1?new=1
  • juliejim
    juliejim Posts: 7,943 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Happy new year Buffy!
    NST #10 Steps 7K 2/30 10K 2/12 5 a day 3/30 NSD 0/20
    MBNA £5500
  • beanielou
    beanielou Posts: 95,393 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope 2020 is a better year for you Buffy xx
    I 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.
  • Buffythedebtslayer
    Buffythedebtslayer Posts: 18,924 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Buffythedebtslayer wrote: »
    Hello All,

    I have been here for a really time, got out of debt twice and then got in debt again! It is like a hobby.........a really crap limiting unsatisfying hobby!

    Currently I am 4841 pounds in debt, don't own a house and have about 1000 across very various accounts for insurance, Christmas, the Summer etc.

    In thirty months I aim to have paid off the debt, have 10,000 saved up - some in a help to buy ISA (6000) and some in various saving accounts.

    Ideally I will have more savings, but the 30 months is effectively 200 for the debt and 200 for the house, the debt will be paid off before that and then that gets saved somewhere.

    This will be achieved by August the 25th 2021.

    Well.
    That is it. There is the plan.

    Love Buffy XXX

    Thanks people XXX happy new year to you all XX

    Just a little round up of the year

    I am on track for August 2021 which is good.

    Scores on the doors for the end of 2019

    1000 in the Emergency fund (1100 tomorrow)

    2800 in the H2B (will be 3000 tomorrow)

    550 for vets, insurance and house. (will be 750 tomorrow)

    I have 700 saved to pay the Christmas CC and will take 180 out of my spending money this month to cover the rest of the bill (tights, bras etc)

    I have 300 in the TSB account (400 tomorrow)

    I have made my goal of 5000, apart from the 3000 the rest will be spent for various reasons.

    I am kinda thinking an emergency fund of 3000? perhaps condensing some of the accounts?

    So from a money point of view, things are good.

    Work is ok, stressful. but doable. Home isn't good but I think that is my focus this year. It being a new decade is quite a wake up call. I will start a new diary tomorrow - well later today

    Love to you all of you XXXXX

    I have upped the target for this year to 10000. Bit steep but hey we shall see.
    Nevertheless she persisted.
  • Buffythedebtslayer
    Buffythedebtslayer Posts: 18,924 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    https://forums.moneysavingexpert.com/discussion/6086869/buffy-takes-it-6-months-at-a-time

    New Diary above.

    I have spent a quite frustrating day starting things and not being able to finish them. The tip was closed (!) The horror! I can't sort out the accounts the way I want and I am so tearful cos of my stupid period it is ridiculous! The recycling nearly made me cry!

    any how now for a catch up on the diaries and some matchmakers. XX
    Nevertheless she persisted.
  • doingitanyway
    doingitanyway Posts: 9,879 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Sorry you are tearful and the tip was closed.

    I love Matchmakers. :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 0/1000
    Buffer fund 0/100
    Debt March -1,119 (April) -889 (April) -498 (April) -378 (May) -875 July (190)
  • Buffythedebtslayer
    Buffythedebtslayer Posts: 18,924 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    doingitanyway wrote: »
    Sorry you are tearful and the tip was closed.

    I love Matchmakers. :)

    Your summary of my day really made me laugh! Thank you XX
    Nevertheless she persisted.
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