Third time's the charm...

LittleMissDetermined

WinterWarrior said:

My account has plummeted too, blinking dd’s 😖

RelievedSheff said:

My account looks sad today as well  

Glad it's not just me then!  24 days and counting to pay day  

LittleMissDetermined

Up early again today, already got laundry in the washing machine and tidied through the house.

I have a busy work day today and need to take pooch to the vets at lunch for his 6-monthly health check, annual boosters and a claw clip. These are all covered by the monthly pet plan I have for him so I don’t have to pay.  Hoping for another NSD but after a few days of not spending it may be tricky today.

PADs made, a few small DDs and I’ve sent £1 to CC7 too. No statement for that yet, probably another couple of days.

No sign of the rebate cheque either, but I’m sure I’ll spend it once it’s here.

Think it may be second cup of coffee time!
LMD x

LittleMissDetermined

Turns out it's my 4th NSD for the month after all. Gonna have a pamper night tonight with hair mask, face mask and hopefully dye my eyebrows It's one of my least favourite jobs to do... But it saves me £20 a month in having it done at the salon so it's beneficial in the long run.
LMD x

LittleMissDetermined

What an absolutely gorgeous morning! It makes me so happy when I wake up to blue skies and sunshine.  The birds are singing and I have already spotted 2 squirrels in the trees. 

I have no plans again today, and food is planned and in the fridge so I shouldn't need to spend anything but again, I am not going to be too hasty in declaring as things could change. 

PAD made this morning, just a little £1 to CC7, still no statement.  I had to provide gas and electric readings yesterday so expecting that bill either today or tomorrow and see whether we are square or not there. Think we were about -£40 last time which isn't too bad as we were coming out of winter. 

I hope everyone is having a good week, can't believe it's Thursday already
LMD x

LittleMissDetermined

Letter from the tax man received. Apparently the year before I had paid too little tax so it's not the full £102 I will get but it all seems very confusing. I am glad I'm not an accountant, my head would not cope at all!  Anyway, I will see what happens, it was only a bonus after all. 

Forgot I need to go out later to vote, although that doesn't cost anything so at least I'm still looking at a NSD (fingers crossed)

LMD x

LittleMissDetermined

Another early morning for me, but hurrah for Friday! I will be struggling to keep my eyes open when my friends are over tonight.

I checked my CC7 statement this morning and it's been generated so my PAD was £78 regular payment there, after the hefty over payments they might start to wonder what's happening. Although I'm sure no human will be checking my account. 

Today will not be a NSD as we are getting takeout tonight, but it's my first frivolous spending of May so I'm fairly happy with that. 

Time for my fortnightly finance update:

• CC7 £7650
• Total credit available £67,600 (11.3% utilised)
• Bills account £181.13
• Spends account £143.61
• Car account £4156.63
• Sealed Pot £1730.42
• Debt free by xmas £6980.10
• EF £300.28
• CC7 overpayment fund £420
• Gift cards £220

I'm feeling generally good about where my finances are. I still have 3 weeks to pay day but almost all the bills are paid, I have no big events planned and my remaining 'bills' to come out are just under £100 so there is spare in the account for PADding. I can honestly say the next update will be very bleak though!

Once CC7 is cleared I will use the overpayment fund to accumulate Mortgage overpayments and then pay chunks off as and when we can. I am sure we are allowed to overpay by 10% of the original loan amount per year so that's quite good and to be honest the fact that I can see the outstanding amount going up each day is spurring me on!

Very busy day ahead for me in terms of work and then a mad clean before friends arrive  
Hope you all have a good Friday!
LMD x

LittleMissDetermined

Forgot to mention, last night I downloaded some debt tracking charts recommended by @Keedie to colour in and keep me motivated so I spent some time sorting those out and I have put them under my desk pad in the home office so I can keep an eye on them.
LMD x

BlueJ94

LittleMissDetermined said:

Forgot to mention, last night I downloaded some debt tracking charts recommended by @Keedie to colour in and keep me motivated so I spent some time sorting those out and I have put them under my desk pad in the home office so I can keep an eye on them.
LMD x

For some reason I wasn't following your diary! But now I am, so I have plenty to catch up on!

I also seen that, but late for me now but maybe I can do a savings one instead! 

Sun_Addict

I pay to have my eyebrows dyed so can you recommend doing them yourself? Is it foolproof? 

LittleMissDetermined

BlueJ94 said:

LittleMissDetermined said:

Forgot to mention, last night I downloaded some debt tracking charts recommended by @Keedie to colour in and keep me motivated so I spent some time sorting those out and I have put them under my desk pad in the home office so I can keep an eye on them.
LMD x

For some reason I wasn't following your diary! But now I am, so I have plenty to catch up on!

I also seen that, but late for me now but maybe I can do a savings one instead! 

Definitely do the savings one. I printed one for my emergency fund x