Time to Face The Music

Sun_Addict

🤣🤣 to your dog. When ours was very young Mr SA kept putting her in the lakes at our local country park to make her swim. Now she’s obsessed with our pond and the natural stream that runs on the park across the road which is always muddy. On the plus side she loves having a bath, particularly if it’s mine when I’ve got Molton Brown bubbles 😆

RelievedSheff

£500 paid to Card 3 today.

It won't be a no spends day. We have a small Asda delivery coming today and the other half didn't go to the shops yesterday so he will go today.

Breakfast, lunch and dinner are from stores though. Breakfast was crumpets, lunch will be pizza and dinner tonight is slow cooked BBQ spare ribs with sweet potato wedges, onion rings, corn on the cob, garlic mushroom and grilled tomatoes.

Today's jobs include:

• working from home
• vacuuming the house
• dusting the house
• walking the dog
• making BBQ spares ribs (5 hours of slow cooking)

The other half is pottering around in the garden today. He is going to assemble the patio heater, cut the grass and fit the quick gas connection to the Cadac ready for use with the external gas point on the van.

RelievedSheff

Balances Update 14.04.21

Debt 1 = £0
Credit Card 1 = £0 
Credit Card 2 = £0 
Credit Card 3 = £1908 (£500 repayment 29.9% interest)
Credit Card 4 = £4808 (£68 repayment 0% interest)
Credit Card 5 = £8129 (£233 repayment 19% interest)
HP = £2929 (£251 repayment)
Furniture Loan = £0

Total Debt = £17774

ISA = £498 (£50 per month added)
Pennies Savings Account = £1075 (Saved by rounding the bank balance to the nearest pound when logging on to online banking)
Motorhome Fund = £27750

Total Savings = £29323

enthusiasticsaver

Your dinner sounds lovely. I never think of cooking spare ribs but often have it when out.

£500 off card 3 is a good chunk off. Hope the van is ok when you get to see it. 

warby68

Credt Card 3 coming down nicely now

RelievedSheff

enthusiasticsaver said:

Your dinner sounds lovely. I never think of cooking spare ribs but often have it when out.

£500 off card 3 is a good chunk off. Hope the van is ok when you get to see it. 

They are a faff to cook but well worth the effort.

Only four more payments on Card 3 and then it is gone. 

I have temporarily reduced the payments on Cards 4 and 5 to minimum payments just because we have some stuff that we will need to buy for the van and we really don't want to be adding them to the credit card balances. But we will continue to pay £500 per month to Card 3 to get that one cleared and closed ASAP.

Come July when my CCJ has gone off my credit file, Cards 4 and 5 will be put on a 0% balance transfer card and we can then make big inroads into paying that balance down.

Sun_Addict

I bet you can’t wait to get rid of card 3, not long now. Good plan in place for the other cards. Fingers crossed for the van living up to your expectations on Friday.

RelievedSheff

It will be a no spends day today.

Breakfast, lunch and dinner will be from stores. Breakfast is cereals, lunch is goat burgers and dinner tonight is game casserole in Yorkshire pudding with vegetables. 

Today's jobs include:

Working from home
Cleaning the bathrooms 
Watering the house plants
Making casserole 
Walking the dog. 

The other half has said he will take the dog for a long walk today, then he is going to potter around in the gardens again.

alt80

You’re doing really well with the debts. I’d probably do the same with cards 4 and 5 fwiw. Things are going to be a lot better on that front once you’re clearing at 0%. Are you using all the savings money for the van or just the motor home fund? 

You’re just on the countdown for the light at the end of the tunnel- res mortgage at a sensible rate, being able to get your two biggest cards onto 0%, not much left on the HP deal. Hope you can get a sensible rate on the motor home if not buying for cash would be a shame to be so close then end up with stupid rate on it.

Only you could be having a goat burger for lunch lol actually imagine they’re nice tbf. I’d have that with lettuce, tomato, few olives, little bit of feta and little bit of tzatziki. Cut the burger up and put the lot into a pita bread so wouldn’t end up being a burger even. Might have to make that one day actually lol.

RelievedSheff

alt80 said:

You’re doing really well with the debts. I’d probably do the same with cards 4 and 5 fwiw. Things are going to be a lot better on that front once you’re clearing at 0%. Are you using all the savings money for the van or just the motor home fund? 

You’re just on the countdown for the light at the end of the tunnel- res mortgage at a sensible rate, being able to get your two biggest cards onto 0%, not much left on the HP deal. Hope you can get a sensible rate on the motor home if not buying for cash would be a shame to be so close then end up with stupid rate on it.

Only you could be having a goat burger for lunch lol actually imagine they’re nice tbf. I’d have that with lettuce, tomato, few olives, little bit of feta and little bit of tzatziki. Cut the burger up and put the lot into a pita bread so wouldn’t end up being a burger even. Might have to make that one day actually lol.

The motorhome fund is being used to buy the van. The majority of the rest of the savings will go towards buying some stuff to kit it out. There will be some savings left but not loads. The shed purchase will be going on hold until we get sorted and on an even keel again.

We have the motorhome finance sorted out. It is at the best secured rate currently available for motorhome finance at 5.9% so we are happy with that. Just need the van to be in the right condition and we can get the paperwork signed. The finance will cost us £3k in interest over the five year term which we don't think is too bad. It's coming in at £383 a month for the five year term.

The other half is in charge of sorting lunch out today while I walk the dog. So I'm going to guess it will be a burger in a bun with cheese, onions and chillies served up with a few onion rings.