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Final steps to debt freedom

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  • gymgirl11
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    Managed to cash out on prolific today. Mine was for £6.55 and my BF was for £5.14. Every little helps so that has been transferred into our kitchen saving fund.

    I also got paid today so all my direct debit money due to go out in Jan has been moved to tmy savings account so I don’t overspend. I also paid off my HCard (personal spending card) so that now carries a £0 balance.
  • gymgirl11
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    Last day of work done today so we are now on annual leave until the 4th Jan :)

    We had a socially distanced present drop round to my grandparents and then to my parents. Nothing like standing outside in the cold, rain and dark bundled up in a coat wearing a face mask.

    I've only seen my parents 4 times this year, outside at all times and at a distance for 10 minutes each time to limit contact. I just find visiting so difficult as it makes me upset afterwards. 

    We are in tier 3 at the moment but the City I leave near (5 minute outside the boundary of said City & I work in the City) never came out of a lockdown this year so these lockdown restriction are manageable for us.

    The only thing I really miss is my gym. I work out at home but it just isn't the same.
  • NeverendingDMP
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    Utter pants isnt it. I've had 2 window visits so far this week to our house whilst the kids isolate  and will have another on xmas day from someone who was meant to eat at ours but we are now not safe enough to let them in so they now cant come for xmas dinner. We have frozen a huge joint of meat instead for if and when we can but it's not the same is it. Hey ho. Onwards we plod.
    Have  a nice xmas however you can!
    Jan 18 Joint debts 35,213 - March 24 15.5k
    Mortgage Jan 18- 77224 Dec 23- just under 69k
  • gymgirl11
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    Utter pants isnt it. I've had 2 window visits so far this week to our house whilst the kids isolate  and will have another on xmas day from someone who was meant to eat at ours but we are now not safe enough to let them in so they now cant come for xmas dinner. We have frozen a huge joint of meat instead for if and when we can but it's not the same is it. Hey ho. Onwards we plod.
    Have  a nice xmas however you can!
    Yes, definitely a shame but totally agree with plodding onwards and pushing on to keep people safe.

    Thank you so much, I hope you also have a nice Christmas! 
  • gymgirl11
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    I can't believe it's Christmas tomorrow. It's nearly here. As traditions go we have: made the sausage rolls and cheese & onions rolls, done a Christmas Eve Box, watched the film on the BBC, had a beer and have now ordered a Chinese (we have the cash out to pay for this and have had the money in our money change jar since March!) all that is left is to watch Die Hard.. apparently, it's a Christmas film!

    I hope you all enjoy your day tomorrow :)  
  • gymgirl11
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    Morning all :) We managed to have a good day yesterday despite the circumstances. We went to my partners parents house for dinner. They live round the corner from us so we could walk there and back. We actually managed to keep a pretty good social distancing. Didn't take the usual family photos or do any hugging or such.. so back to normal for us.

    Not too much planned today. Will have breakfast, check out a new PS4 game and get ready for the football kick off at 12:30. I may also search the sales for my partners birthday present as it's his birthday at the end of next month. I like to get a bargain if I can. It's hard to find stuff this time of year that doesn't have any Christmas related packaging all over it though.
  • gymgirl11
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    I managed two exercises classes this morning. I’m not 100% sure if I was sweating food or alcohol out.. hopefully both!

    We had ordered in breakfast today as we are all out of food (apart from some sad looking potatoes & celery) but we do have our shopping delivery coming this evening. We spent £14 on that and then I also sent £42.71 to the savings account to make it a nice round number on the savings and the joint account.

     I do have a budget spreadsheet for all our outgoings but I find if we leave too much ‘spare’ sitting in the joint account then we’ll just spend it on takeaways and extra food, So the plan is to throw more at the savings account and if we then need it (which we shouldn’t) we can afford to send the money back in an emergency - although, I’m sure takeaway doesn’t count as an emergency.. does it? 😅 but we’re working on this and with the new year approaching we are aiming for a no takeaway/non-essential spend Jan. 

    The accounts are looking:
    - £3,890 on BCard (£200dd due on 04.01.21)
    - £0000 on HCard (this was cleared when I got paid)
    Plus: 
    - £5000/£6000 - Kitchen payment (due on 05.03.2021)
    - £1000/£8000 - General savings (by 31.12.2021)
    -£300 in cash (£150 was a Christmas gift so we can buy something for our house)
  • gymgirl11
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    In the money saving/debt busting world I feel like I’m just waiting until the 4th Jan when everything is due to go out. 

    I went to buy my partner a birthday gift but when I went to checkout the website crashed  so I’ve saved myself £27.99 today but will have to get that sorted eventually. I have one gift I already ordered and waiting to come and then just to pick up a few smaller things. My aim was to buy them before the end of the month and hopefully pick something in the sales. I’m just struggling as we’ve just had Christmas. 
  • gymgirl11
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    I brought my partners birthday present at £27.99 and myself some new gym leggings for £22 - these were reduced from £40 and I also got free delivery for spending over £35

    I went to the gym today. It was quiet when I arrived but by the time I left it was quite busy. I was surprised by this seeing as I arrived at 9:20 and left at 10:30am. Last day today, as I assumed, because we're back into tier 4 like the rest of the country. My DD for my gym is still going out and it can't be stopped so I'll get a free month in Feb - if everything is open then.

    I paid £30 for my online class pass to my friend who is a trainer and does classes via Zoom. It's a small business and works out cheaper than buying them individually. I put £12 towards this as I had budgeted £18 for bus tickets, which I will now no longer need.

    Final spend of the day (from the joint account) was £23.98 for dinner. It was really nice though so I don't begrudge spending the money.

    We've also decided to put the £150 cash from the Christmas money present into the kitchen fund. 
  • SuperFrank88
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    Hi,

    Just read through your diary. You’re doing really well. Keep up the good work :)
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