Time to start a Fresh part 2, 2022!

BlueJ94

Oh also, my sister gave birth yesterday so I'm going down hers now to see my nephew!

GreenCat80

Well done on another debt down Jade, and congratulations on your nephew ❤️

LittleMissDetermined

Congratulations on the new addition to the family.

Parkyp

How’s Aunty Jade today, how’s your sister and nephew? 

BlueJ94

Parkyp said:

How’s Aunty Jade today, how’s your sister and nephew? 

Haha, I'm fine thanks. I'm super motivated and also tired. We've done a lot today, cut the grass and bushes in the garden and we went to tesco to get top up bits.

Nephew is a tiny little peanut, he's so cute! Didn't hold him yesterday as I was super tired! 

BlueJ94

Evening all, 

Not much going on today. I painted the garden fence, we had a bbq and then we snuggled on the sofa. Which is rare, my OH isn't a very snuggly person but he's super tired today so we had a snuggle and watched some TV. 

Off to a boot sale tomorrow and that's all the plans we have. So nice relaxing day tomorrow aswell.

BlueJ94

Afternoon all,

went to the boot sale ended up buying plants for the garden we also did a freezer shop! Tonight’s dinner is fish and chips, but home made chips from left over spuds from making roast dinner. 

So my plan of action debt wise 

Main job payday is 29th so I’ll pay £200 to likely loans to pay that off, I’ll then be left with Aqua at £273.48 but I’m going to pay the £3.48 now to round it down. Then 118 at £1880. So my next focus is Aqua which I could pay off next month as payday from Sainsburys is the 6th. Then hopefully by May I will only have 118 loan to pay, meaning being debt free by August is very doable. I think they only ever offered me 25% off my balance so once it’s down to a number I can realistically pay in one go I will. 

Plans for the rest of the day 

make lunch for work
mops the floors 
sit down and budget and see how much I will have left over at the end of this payday as I’ll only have the two debts going forward.

EssexHebridean

Well done on getting rid of another debt, and congratulations on the new arrival in the family too! 

You really are flying through this - just imagine how fast you’re going to accrue savings once you are saving not debt-repaying! 

BlueJ94

Afternoon all, 

As the weather is still warmish, on my lunch breaks and 10 minutes I get here and there I've started actually leaving the office. So today I'm sat on a bench near a pond that's less than 2 minutes around the corner from work. I've got chicken and rice for dinner and it's nice to be away from the pc and work. 

I've worked out aswell if I can get 118 to around £1200 I can then pay them in two big payments of £600 and be debt free by August. I'm going to offer them a certain % and see what they offer again. 

EssexHebridean

Play it canny with 118 - you know they are open to offers already so consider being prepared to drop down to bare minimum payments for a while and stash the extra into savings, give it a few months then make another F&F offer and see what they come back with. As usual, decline their first suggestion but offer something midway between your figure and theirs, and see what happens. Once you know a company is likely to agree a F&F there’s little point in making payments that mean they realise there’s no point in them offering again! 😉