Time to Face The Music

RelievedSheff

Balances update:
Debt 1 = £0
Credit Card 1 = £150 (£150 repayment 0% interest)
Credit Card 2 = £460 (£80 repayment 29.9% interest)
Credit Card 3 = £3364 (£250 repayment 29.9% interest)
Credit Card 4 = £4478 (£100 repayment 0% interest)
Credit Card 5 = £8256 (£150 repayment 0% interest)
HP = £4187 (£251 repayment)
Furniture Loan = £656 (£16.82 repayment)

ISA = £208 (£50 per month added)
Pennies Savings Account = £22.88 (Saved by rounding the bank balance to the nearest pound when logging on to online banking)

Sun_Addict

Cards coming down nicely. Is there any way you could transfer those with the high interest to the 0% ones? 

RelievedSheff

The 0% rate is up on Cards 4 and 5 mid next year so I am going to look at juggling some balances around and getting Cards 3, 4 and 5 onto 0% cards May or June next year when we have sorted our remortgage out. Don't want to be making any credit applications prior to the remortage application at the moment.

Cards 1 and 2 will be payed off by then so we can put that extra money towards paying off the other cards more quickly.

RelievedSheff

I have decided to increase the payment on Card 4 to £200 per month as we are going to be putting a couple of spends on this card shortly. The increase in payment will offset those spends over a six month period.

RelievedSheff

We are aiming for another low spend weekend this weekend. 

We need to go and get some fruit and vegetables from the farm shop and the dog is at the groomers but we hope that will be the extent of the spends.

Breakfast today is dry cured bacon, chicken sausage, hash brown, toast, scrambled eggs and beans. Dinner tonight will be slow cooked hoggart madras with basmati rice, samosa and naan bread.

After the dog has had his hair cut we will take him out for a walk somewhere and then we have a pumpkin pie to make before we settle in on the sofa with a couple of films and a few beers.

Sun_Addict

Enjoy your day 🙂

alt80

Not going to be long until 1 & 2 are gone. Hope you’ve had a good day. We’ve given in the with some Christmas decs lol. 

RelievedSheff

alt80 said:

Not going to be long until 1 & 2 are gone. Hope you’ve had a good day. We’ve given in the with some Christmas decs lol. 

We had a lovely day yesterday thanks. Ended up out with the dog for far longer than planned so the pumpkin pie didn't get made!

RelievedSheff

We are aiming for a no spends day today. 

Breakfast and dinner will be from stores. Same as yesterday for breakfast and roast pork with all the trimmings for dinner later.

We will have another long walk with the dog today but we will also make the pumpkin pie and we need to move the garden boxes ready for the lads coming to do the shed base tomorrow. 

A busy day today.

alt80

Wish I could get out for a good walk tbh good for my head rather than home looking at stuff to buy or trying to work out how to level up lol. So I completely get how nice it is to get out with the dog think I probably prefer my dog to my wife some days - he doesn’t talk back or make !!!!!! comments about the debt ha.

Not gonna lie I’m seriously envious of your chill lifestyle sounds like you and oh are made for each other. Smashing the debts and not even angry about it. Boat I’m massively envious of not gonna lie I’ve thought about buying one just to say I’ve got one too and your delicious sounding meals reminds me of childhood haha. You’ve got it made mate.