Choccy's last debt diary! Tme to stop messing and focus.

Choccygirl123

I'm not sure where these weeks are going, everything seems to be a blur! 

Today is a NSD after my shopping trip yesterday. £58.66 in Aldi and £22.12 in tesco.
Hubby's expenses should be paid over the next couple of days. He said it was about £74 which gives our account another boost. He should also get about £200 nights away pay so that's a complete bonus. Will try to squirrel that over the loan as an over payment. 

Choccygirl123

Forgot to add had an email about DD2 DofE. Her expedition was cancelled so the school are refunding us £30. It's a fab surprise, it's not ally an email  asking for cash. Will ping that to the loan too. 

Sarahwithlove

As it seems a long way to get to below 6k maybe work on 1% of original loan amount. I have found that helps when your only able to pay off smaller amounts. 

beanielou

Don't wish your life away 

Choccygirl123

beanielou said:

Don't wish your life away 

Not wishing my life, just the debt! I meant I don't want to wait until
October until into my next number. Feeling motivated to get to it before then. 

Choccygirl123

Sarahwithlove said:

As it seems a long way to get to below 6k maybe work on 1% of original loan amount. I have found that helps when your only able to pay off smaller amounts. 

I've never looked it at way, I find dropping under the next number my motivator.

Sarahwithlove

Choccygirl123 said:

Sarahwithlove said:

As it seems a long way to get to below 6k maybe work on 1% of original loan amount. I have found that helps when your only able to pay off smaller amounts. 

I've never looked it at way, I find dropping under the next number my motivator.

Nothing stopping you using both. Do 1% to tide you over until you get closer to the next threshold. I also find its amazing how easy it is to find 1% or earn it 

Choccygirl123

Sarahwithlove said:

Choccygirl123 said:

Sarahwithlove said:

As it seems a long way to get to below 6k maybe work on 1% of original loan amount. I have found that helps when your only able to pay off smaller amounts. 

I've never looked it at way, I find dropping under the next number my motivator.

Nothing stopping you using both. Do 1% to tide you over until you get closer to the next threshold. I also find its amazing how easy it is to find 1% or earn it 

Ive been looking at posts about the 1% and love the idea of a visual page that you can colour and track our progress . Going to see if I can find something online to print off. You're definitely right, splitting it into 1% makes it more manageable. Thanks Sarah x

Choccygirl123

Another day closer to pay day. Have been quite busy on the surveys again, so waiting for them
to be confirmed so I can click withdraw again. 

The refund for my daughter's top has cleared, so that's another £25.19 back into the birthday account. Total now £308.32. Nearly 1/3 of the way to my target for driving lessons for DD1 in September.

Joint account - more money shuffling
-moved £150 to my regular savings 
-moved £40 to hubby's account (his joint card playing up and won't work contactless)
-car tax pending to pay out so moved £150 from savings pot 

-hubby claim pending to be paid in £74.44

That should take account to £266.61.  Have decided to treat the teenagers to a takeout tonight. Probably be a kfc, as it's the cheapest option. They've both been amazing in lockdown and are still studying hard. It's also a treat with dad away. 

beanielou

Have a good weekend