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Keeping afloat till I can get round to the debts!
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16999. Under 17k a couple.of d debits paid early to do it but couldn't resist. Helped by some money I came into. Undecided whether debts was right or wrong thing to use it for but the debts need to be gone/more manageable. My debts in my name now 8655. Progress will be slow now but still aiming for sub 16 by year end. Sub 15k would be a dreamJan 18 Joint debts 35,213
Mortgage Jan 18- 77224 May 25- just under 65k
June 25 Debts in my name only £5170. DH can't keep track...3 -
Well done on getting into the 16s!"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0
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So spendy week in a boring way. House insurance has gone up by 200 pounds. No reason, haven't claimed or anything. Went on comparison sites and rang a few places for quotes but all coming out similar. Cheaper by 30 if I went with a small company. Rang mine back they and wouldn't budge on price but gave me 45 in love to shop vouchers as an incentive to stay. Downside is I do not have that much set aside so it's monthly direct debit from now on. Although they did say I could ring and pay a lump sum when I get it together to pay it off early and save on the interest amount. I was shocked to be honest. Heard everyone's insurance is going up but thought that meant 50 quid not 200 😭
And have booked in our mortgage renewal. Can still change up to 14 days before but we have been given 4.14% fixed for 5 years. Very thankful that we didn't have to renew that last year. This is an increase for us but a just only just manageable one. If it lowers between now and then I'll be even happier 🤞
Extra 80 a month to find in my budget now just because the worlds going to pot.....ah well. Off to number crunch. Think from now until new mortgage I need to build up the e fund.Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 May 25- just under 65k
June 25 Debts in my name only £5170. DH can't keep track...2 -
Ouch to the home insurance increase!"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0
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Long time no see. Although I have been lurking. Debts back over 17k, e fund obliterated, car has been in garage but needs to go back for a bit more work, all three kids birthdays and four close family members birthdays between now and Easter and I have not won the lottery (or bought a ticket 😂)
It's a blip. Ah well onwards and upwards. The bank account is still in the plus so I suppose that's something
Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 May 25- just under 65k
June 25 Debts in my name only £5170. DH can't keep track...3 -
Welcome back! Keep going
This time of year is always expensive for us too. I do buy a lottery ticket 
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0 -
Payday. Debts back under 17 again...just. e fund has a fiver in it. That's a start!! 😂Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 May 25- just under 65k
June 25 Debts in my name only £5170. DH can't keep track...2 -
Well done!"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0
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I'm just limping along at this stage. Will be better as the year goes on. Aiming to remain under 17k till end of the month... Wish me luck.Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 May 25- just under 65k
June 25 Debts in my name only £5170. DH can't keep track...2 -
Keep going Good luck staying under 17k "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0
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