Debt free before August 2023

Poppy1984

Bits and bobs sold on eBay that's £50 gone straight to the EF which now stands at £116

Poppy

missymoo81

Well done on the eBay sales! Always feels so good to get the stuff out of the house and actually make money from it! Keep up the great work x

Poppy1984

missymoo81 wrote: »

Well done on the eBay sales! Always feels so good to get the stuff out of the house and actually make money from it! Keep up the great work x

Thank you for stopping by missymoo, thank you yes pleased to make a little bit of money to throw at the EF.

Poppy

Poppy1984

Hi
Well I'm just plodding on really, trying to keep spending to a minimum. Kept my shopping budget down by filling my freezer with Aldi 1/2 price foods.

I have got a couple of nights out this weekend, annoyingly right before pay day but hoping not to spend too much.

I've got around £7 in Prolific atm so hoping to get that up to £10 and cash out before 14th.

Everything else is pretty slow right now. Need to shop around for car insurance next week mines due for renewal hoping to reduce that monthly payment. I'd have liked to have paid it in full but can't really this time, def next year though.

Hoping to have my EF back up to £300 by the 14th keeping everything crossed.

Back at the gym only managed a couple of times but better than nothing.

Poppy

FootyFanDan

Poppy1984 wrote: »

Hi
Well I'm just plodding on really, trying to keep spending to a minimum. Kept my shopping budget down by filling my freezer with Aldi 1/2 price foods.

I have got a couple of nights out this weekend, annoyingly right before pay day but hoping not to spend too much.

I've got around £7 in Prolific atm so hoping to get that up to £10 and cash out before 14th.

Everything else is pretty slow right now. Need to shop around for car insurance next week mines due for renewal hoping to reduce that monthly payment. I'd have liked to have paid it in full but can't really this time, def next year though.

Hoping to have my EF back up to £300 by the 14th keeping everything crossed.

Back at the gym only managed a couple of times but better than nothing.

Poppy

Hey Poppy

Well done on persisting with the gym, at least you are making that step and getting out and about with it, every visit is at least one time where you would be sat possibly overthinking things.

Hope you are feeling okay in general. You got this! Enjoy your nights out x

Poppy1984

Hey Dan
I'm doing ok thank you, trying to look at things a bit more positively.

Thank you I'll persist with the gym I know it's good for my body and mind but I'm aching so much today I'm not sure how good it is for my body lol

Feel like I'm counting down the days till pay day now.

Poppy

FootyFanDan

Poppy1984 wrote: »

Hey Dan
I'm doing ok thank you, trying to look at things a bit more positively.

Thank you I'll persist with the gym I know it's good for my body and mind but I'm aching so much today I'm not sure how good it is for my body lol

Feel like I'm counting down the days till pay day now.

Poppy

Oh I hear you!:rotfl::rotfl: my body aches soooooo much from the gym. I knew I was unfit...didn't realise just how much though lol

Positive thinking is the way forward, its so much easier said than done though. But each day you get stronger x

Poppy1984

FootyFanDan wrote: »

Oh I hear you!:rotfl::rotfl: my body aches soooooo much from the gym. I knew I was unfit...didn't realise just how much though lol

Positive thinking is the way forward, its so much easier said than done though. But each day you get stronger x

The aching has just about worn off in time to go again tonight and ache all over again :-/ hoping it will get easier soon! Grrrr I need to remember this and not miss sessions or go weeks without doing any exercise!

Poppy

Poppy1984

I'm wondering if I could possibly pay my car insurance in full this time. Hmmm.... I'm due for renewal 1st March so going to start shopping around for the best deal 7th feb. As that's what Martin said was the best time frame for getting the best deal.

It would mean another month of not Being able to over pay my loan but I think that's worth it really. I will then use the monthly payment I would have used for my car insurance to set up a standing order to go into my MOT & Car tax acc so becoming my MOT, Car tax& insurance account. I need a couple of new tyres so going to use that account to buy them shortly, my car tax is due to be paid in May and I will have the full amount for that in the account by then.

Yes I think I've made up my mind I'm going to pay my car insurance in full for the first time ever which will mean I have no monthly car direct debits, wow! I will save monthly though as described above. Makes me a little nervous to think that I won't have any monthly direct debits just putting the money aside and making sure it's there!!!

Poppy1984

Well it's done! I've paid for my car insurance in full. I've set up a new standing order into my saving pot for mot tax & insurance so I can do the same again next year. This is saving me around £6 a month 😁 pleases with that. 

Poppy