Three years to get debt free

Willowtree222

Got myself in order this morning. Filed my confirmation statement for my business and did a bit of paperwork. 

Caught up on some jobs and then dug out my card ready to pay off the bike tomorrow. That will be one less job to do in the morning.

I had a late night last night. My friend phoned me around 9.30 and we sat chatting till around 11pm. Our schedules don’t always match up so it was nice to have time to catch up. He was in Spain the week before I went so we had just managed to catch up for a coffee on the Monday before I went. I haven’t spoken to him since then and we used to speak daily when we were in work. It’s weird how you become accustomed to something and then it feels weird when it changes. We will try to get out on the bikes this week. It was him finding out I was riding that made us talk more. I had no idea he had a bike.

He’s a really positive influence and a very focussed person. He’s been helping me with my arm and shoulder. 

Lots to do this week and a lot of benefit to be had from creating and sorting another section of the house. 

I can’t pay any extra off as the week away has cost a fair bit and I need to reign it in to make sure I’m not kn my overdraft this month.

No further sales and the rest of the items aren’t ones I think I’ll get bids on. If they sell then they’ll pay the loan. 

Once bike is on 0% CC I’ll split paying between loan and card. That way it’ll go down evenly. X

Sun_Addict

Do you think the friend will become more than a friend, he sounds nice xx Or is he strictly just a friend.

Willowtree222

Sun_Addict said:

Do you think the friend will become more than a friend, he sounds nice xx Or is he strictly just a friend.

This is the heart to heart that I had the other week. We’re both far too independent to take it to anything more. We enjoy each other’s company, have similar interests but have busy schedules and our own lives which we’re both happy with. We both agreed that we are happy as things are and no need to change anything x

Fidelia

Willowtree222 said:

Sun_Addict said:

Do you think the friend will become more than a friend, he sounds nice xx Or is he strictly just a friend.

This is the heart to heart that I had the other week. We’re both far too independent to take it to anything more. We enjoy each other’s company, have similar interests but have busy schedules and our own lives which we’re both happy with. We both agreed that we are happy as things are and no need to change anything x

Not even a 'friend with benefits' ?  Sorry if it's an intrusive question.

Willowtree222

Fidelia said:

Willowtree222 said:

Sun_Addict said:

Do you think the friend will become more than a friend, he sounds nice xx Or is he strictly just a friend.

This is the heart to heart that I had the other week. We’re both far too independent to take it to anything more. We enjoy each other’s company, have similar interests but have busy schedules and our own lives which we’re both happy with. We both agreed that we are happy as things are and no need to change anything x

Not even a 'friend with benefits' ?  Sorry if it's an intrusive question.

Not intrusive at all 😂 

x

Willowtree222

Had physio this morning, lots of complications because of the fall. My shoulder hasn’t been working properly for months so as a result it has stiffened up and that is causing more difficulties. We know what it is, but it’s an added extra issue that now needs a focus. 

Going to try to find something to declutter today that is manageable. I know I have loads, I just don’t know what to do. I do have a huge box in the garage that does need taking apart and putting in the bin. That’s job one. Then I’m sure there are other things I can be doing to get myself on top of the house sorting.
Doing the DVDs is quite a big task but we will see whether I bother to do it.

I also have a chicken to cook and then decide what I’m making with it.

DD is happy having a relax the next few days as we were so busy last week. 

Money seems ok but will see on the 1st how it is when all bills are out. I’ll be putting the bike on the CC later too. That’s another thing to do that I can then focus my debt paying on.

x

Willowtree222

After going through all the down fall of putting the bike on the card I found out today that they don’t accept card and you have to pay it by bank transfer. That left only a money transfer option. The apr on that is 3.9% so that is lower than the bike anyway (6.9) so I’ve done it. I think I’ll save a lot more in interest by just having it on the card as I really hate having it there and know I’ll work on it and have it paid ASAP. It will now become my priority as it has interest on it and I do need to clear that first with it being the highest. That’s shifted my focus now and will become my main paying with some extra off the loan each month.

I’m hoping to have a couple more sales in the next few weeks and before payday would be ecstatic if I can make £300 and pay it all off the card. The things currently on aren’t guaranteed sellers so who knows if they will. I will pop into the loft and see if I have anything else that can go. 

I’m in work tomorrow just to get my resources organised and ready for for the first week back. I’ll be happy when I’ve done that. It also corresponds with decluttering as I found some smoking chips a few weeks ago and a colleague has a smoker so that’s three small boxes gone! 

I gave a bath caddy to my friend this last week so that’s another item gone that I don’t use. 

I do have stuff round the house that needs doing and I’m going to have to look at them in a few weeks and put a list together in order to fix it. 

Will update on the eBay stuff later in the week. I do have a couple of items ending but nothing with bids on. One sold today for a few pounds so that will be posted tomorrow. 

X

Willowtree222

Morning everyone,

I’m going to work today to sort out a few bits. DD is coming with me and is beyond excited 😂 you’d think I was taking her abroad.

The motorbike jeans I bought don’t fit so I’m going to have to sell them again. The seller doesn’t accept returns so nothing I can do about that except Hope I make my money back. Still waiting on the refund for the boots as well. Not having much luck with motorbike gear.

Also waiting on a £25 voucher that’s a week later than expected. I’ll chase that up later this week if it’s not here. 

DD had trampolining and football yesterday. Her clubs are mostly back on now so that’s going to be great for her to have her things back. They’ve been intermittent with people having holidays, including DD last week. 

Money is ok. Changing the bike will have a slight impact but in the long term that’s ok. I do need to be focussed the next three weeks though as I could easily go into my overdraft. I didn’t hold back spending on holiday and now need to be a little careful. X

Honeysucklelou2

Have a productive time at work! That’s my task for tomorrow but always feel I can enjoy the last few days of the holidays if I’ve put in a day or so of prep!

Willowtree222

Honeysucklelou2 said:

Have a productive time at work! That’s my task for tomorrow but always feel I can enjoy the last few days of the holidays if I’ve put in a day or so of prep!

That’s how I feel. I didn’t print the work but had it prepared ready and now know what I’m teaching the first week x