New me New start, Pania's positive Progress!

Karmacat

Wow, you sound so positive! Since I'm going to start matched betting and quidco in earnest, I'm gonna join you in your challenge. That would mean I'm debt free and have money saved up for the electrics and the plumbing by this time next year. That'd be nice.... off to bed to dream of more ways to make a mint.

pania

Geeeeee Teeeeeee Deeeeeeeeeeeee!!!!

Hiya!!!!

GettingThingsDone

Hiya!!! thanks for the welcome Did you hear my OH read my diary?

Off to bed now, but will catch up with ya soon

pania

hmmmmmm, hope your ok? pop back soon.

GettingThingsDone

Yes good thanks - I think it's all sorted out. Didn't help that there are missing posts though...

Hope the dp is ok in this weather?

pania

oooh dear, thing us we think we're anonymous on here but sometimes it ain't quite like that!

DP is cold, very cold, I have a nice new rug on order for him arriving friday which will look shiney and new for oh, 10 seconds!!:rolleyes:
went out and bought hay for him yesterday too and ordered 2 bags of feed, so al in all he's better looked after than me!!!:p

here is a photy of the newest addition to the pania clan.

okay, maybe not, it ain't working properly!!! have a good day everyone, off to make a cup of tea, bathe the ferret then work out more dynamic ways to come up with 15 grand by november next year!!! AAAAARRRRRGGGGHHHH what on earth have I done!!!!!

(GTD any chance i can join in with your spreadbetting quest?)

Squirrel29

Hi Pania :santa2:, I am fairly new on here so didn't get to follow you last diary but I must say you sound very positive and I wish you the best of luck with the new diary.

BTW - I am with you on the phone thing, I do that too, no excuse really with two portable phones but both always see to end up in DS's bedroom and I can't be a**ed to walk upstairs sometimes.

Seaxwyn

Hello Pania! Just spotted the new diary and pleased to see the positive energy. I could so do with some of that myself.

I'd love to join you in the pay-off-£15k challenge but there are too many uncertainties next year. But will follow your progress with interest and cheer you on.

It's so fab about the dog training, I'm sure you can make good money doing that.

pania

thanks squirrel!! it is a pain, especially when i have an all expenses paid phone line upstairs for work!! Part of my new positivity is a fitness kick which hasn't been mentioned here, maybe I should view walking up the stairs as helping me to get fit!!!!

So, I have just mentioned to OH my "little challenge" for the next 12 months. It was quickly declared as "Impossible" and i am "insane" for thinking i can do it! yeah whatever i'll show him!!!!!!

Off for a walk in a minute to start the fitness kick, not quite up to running yet but soon.... I have a stone to loose doncha know!!! was weighed by the docs the other day... bad, very bad... I only have a stone to loose but thats a stone too much!!!

Great news on the weight loss so far GTD, your doing great! :-)


Right my theory is this. I am going to tackle my northern rock loan first. Reason for this is that aside from rent and fuel it is my biggest outgoing per month. Although it isn't the debt that would be suggested on my snowball to get shot of, £274 will absolutely steam through the other smaller debts once the Nrock loan has gone. So to stick to target i should pay £825 per month off nrock which means it will take approx 7 months to clear northern rock.
it has exactly 18 months left to run so I may even get a settlement figure on it which means it will be cheaper than this. woohoo!!
what are peoples thoughts on this or should i overpay every debt across the board?
Also should i do it as regular overpayments or stick it in an account i can't touch and ask for a settlement figure in 5 months?

help!! decisions decisions!!

GettingThingsDone

bathe the ferret

what does that mean? :eek:

(GTD any chance i can join in with your spreadbetting quest?)

Consider yourself signed up (if that's ok with you KC?) Actually pania, you're the experienced one here...

gtd