Debt and Budget (Reset) plan

shell16

I certainly am impatient @LittleMissDetermined! I just can't help it 🤣 xx

sunshine_raincloud

Debt free in 8 months would be amazing! Once loan is finished with it should start to feel like final stretch! Keep up the great work and you'll be there in no time!

EssexHebridean

You are definitely on the final stretch now - and that in itself is an incentive to keep pushing forwards of course. Great stuff! 

shell16

Thanks @sunshine_raincloud and @EssexHebridean

Quick update from me.  Monthly DD of  £69 made today to Sainsburys CC, plus £5.25 cashout from Prolific and a small amount of save the change - split £5 extra payment to Sainsburys and £1.31 to Lloyds CC.  Also I have closed off my weekly mini cash budget and although I spent over the grocery budget
, I did have £13.40 left from my Fuel cash envelope.
  I have stuffed £10 to my EF which is now sitting at £400 and £3.40 to the penny challenge. New mini cash budget starts again tomorrow, no further spends today hence closed last weeks early.  

Thanks to @LittleMissDetermined, I have rebooked my gas smart meter as BG cancelled a while ago and LMD post reminded me to rebook.  All booked for next week providing we can call on our neighbours for a favour to use their garage for the day as we need to move several of Hubbys motorbikes out of the garage so BG can access the boiler.

Thats about all for now
Shell x

shell16

Morning All

Quite busy already this week, yesterday resulted in an early morning call from school at 8.20 letting me know my eldest DD had an accident and her little finger is severely swollen!  3 and a half hours later and looks like her ligaments are torn and a possible fracture!  Its her writing hand too so I think they are going to let her use a laptop rather than using her school books.  Hospital car parking is a total rip off!  £4.50 parking plus around £10 fuel as school is not local, trip to hospital and then back to school in afternoon then home!

PADS made today as a busy weekend too and its the first of month so all bills and usual payments came out yesterday.  Declared £1146.93 total PADS of which £117 was my Virgin CC payment.  Glad to see my debt total is now starting with a 4, by the end of November I should be in the 3's, then my accelerated debt payoff will start following payment in full of loan from December.

Prolific is still very slow, £2.71 cleared and £3.80 pending.  I have received a £5 amazon voucher from my amazon shopper receipt scanning app, so will leave that on the account until I find something I want to buy for myself.

Having gas smart meter fitted sometime this morning between 8 and 12, then both gas and electric will be smart meter and I will have an accurate view of our spending.  Half day working for me as usual today with a dentist appointment this afternoon.  Tomorrow would be usual travel into office however there are train strikes so will be able to save £13 which I will transfer to one of the credit cards.  Have some save the change built up too so will look at that later and make a further PAD.

Thats about all for now!
Shell x

rigare11a

Hey Shell 

Its been a while since I have checked in on here. Looks like you have made amazing progress well done!

Rigarella

shell16

Thanks @rigare11a

Yes im still plodding along!!  Some bumps on the way too but determined to clear this debt once and for all, hopefully with my accelerated extra debt payoff plan Im hoping to be debt free by May 2023.

Stick at it rigare11a, I will be cheering you on!

Shell x

Squirrelz92

Once again @shell16 you are doing so very brilliantly! Amazing how you have just got into the 4's and by November you will be in the 3's! The end of that loan term is edging closer and closer so I bet you cannot wait to divert it all and turn it into a snowball!

enthusiasticsaver

Debt free in 8 months would be amazing.  Hope all goes according to plan. 

Keedie

I really hope your little one is feeling better @shell16 and the finger swelling goes down quickly. My local hospital used to be £2.50 for the first hour for parking then £2 thereafter, and it was always the looooongest wait to get into the car park, sometimes a good 40-60 minutes. That was mainly because the surrounding pay and display bays were £3.85 an hour with a maximum 4 hours and the car park had no time limit. They've now done away with a public car park, so you have no choice but to park on the road or get the bus etc. 

Sounds like your PADding has really helped with your debt free date as well as the snowballing, it will be really an amazing feeling when you get there.x