Time to get the monkey off my back!

AntoMac

Have a great break. It’s surprising how possible it is to get debt right down once you get the bug for doing it. This place is full of people who have succeeded and are in the process of succeeding. 

Great work with all that you have achieved already

Willow1403

Thank you for your nice words of encouragement

I know I am lucky that our household has a good income. Hasn't always been this way (hence the massive debt!), so each month we can afford to pay it down. We are also learning a lot about sinking funds, and also how to delay purchases and SAVE! I used to be brilliant when my income was very low. My husband was not so good, and his way was more fun because we got to buy things My mindset gradually changed to one of 'we deserve this', which wasn't really untrue, but we couldn't afford it. Anyways, we are changing the mindset how and having some fantastic conversations about money which we have never done before. 

Had a lovely couple of days away. Lots of time spent in nature which I find very soothing, I need to be outside quite a lot. I was silly though, as I took my cross stitch (I did NOT take my ipad!) and was looking forward to lots of stitchy time. Did I take the threads? No, I did not. I was so cross!! Still managed to get some done as the stitching method I use leaves threads in the work, so had those to play with.

So since Tuesdays payment a day (PAD) I have paid another £4 and £8 from vinted sales, and £15.89 from prolific. Then on Friday it was payday and the snowball meant I could then pay the remaining balance of £454.10. Another one bites the dust!! 

Also can't believe I have a snowball now  

On to the next one, HSBC great card with a current balance of £9507.07

Haven't had anything to pay on Friday or Saturday as paypal has been down so I haven't been able to withdraw my money. It's back up this morning though, so will be able to make the first snowflake payment to this card. 

Sorry, bit long and rambly today. Hope everyone is enjoying the bank holiday weekend.

Willow1403

Hi all,
Haven't checked in for a couple of days, been a busy weekend here. 
My son had his birthday on Monday, he turned 17. So we all had a steak dinner (his choice) and a brownie stack instead of a cake. Yum.
Making steady progress on the HSBC card and made a payment a day over the past three days. £26.41 (prolific), £237.68 (minimum payment) and £15.51 (prolific).
Have got some more to pay today as I had a £5 amazon voucher in my account and when I make an amazon purchase using a voucher, I budget the whole amount from whatever category then pay the voucher amount off the debt. Also been to the post office and paid in £10 of cash so will pay that too. Bank is down at the moment though, so have to wait for that.
Had a busy morning just walking the dog and in to town to run some errands. Just going to use the afternoon to get some housework done but also try and enjoy the last few days of my summer holiday

Willow1403

Hi All,
Hope everyone is having a good day. Very quiet here today, just pottering round and enjoying my last day of the summer holiday (I'm in tomorrow morning and term starts on Monday). I do love my job and going to work, but it's nice to be able to spend some time at a more relaxed pace. 
Have the dentist today, just a check up, and I have dental cover through my husbands work so can claim the money back. 
Also having a bit of a home learning day with my youngest. He's starting year 12 next week, after spending the last year resitting his English and Maths GCSEs (passed in Nov) and doing a couple of extra BTEC courses. The college he has spent the last year at is where he was originally offered his place in Y12, but because he didn't get the grades he needed for English and Maths, he has been with them doing an access course. Over that year, they changed the grades needed for one of his courses, which meant he didn't have what he needed again! Had a chat with the head of 6th form, who is willing to take him based on knowing him over the last year and knowing how rough his year 11 was, as he should have done much better than he did. So phew! So we are just refreshing on some things from GCSE to set him in the right direction next week.
Pleased to report I managed to make FOUR payments to the credit card yesterday! One was paying some money in to the post office - I have chickens and when people give me money for the eggs I save it. One from prolific pay, one vinted pay and some money my son owed me and paid back. Hurrah! 
Right, off for some lunch I think
  

Willow1403

Having a day when it's difficult to get motivated. 

Have been in to work this morning and had a big list of things to get done. Managed it all except a clean of the fish tank, which I can do on Monday now. 

Came home and had a very tasty bacon sandwich - sometimes that's just what you want!

Done a few bits this afternoon, cleaned all the fronts of the cupboards in my kitchen which was well overdue. 
Also discovered an outbreak of red mite in one of my chicken coops I have two omlet ones, which are plastic and less prone to mites, but apparently this summer has been great for them with the dry conditions. Ordered some spray which will hopefully arrive tomorrow so will need to take the coop to pieces and clean it all down. That explains why three of my hens have been so reluctant to get in to their coop at night.

Pay day today though, hurrah! School support staff were given a pay rise, which has been reflected in my wages today and backdated to April so that's a little bit extra which will come in handy.

Last weekend then before back to work. Got a chicken coop cleaning day tomorrow and then going out for lunch on Sunday for my husbands birthday. 

Have a good one!

EatingBeans

Congrats on the payrise! Less so on the red mites. 😞 I used to keep chickens and those critters were the bane of my life! Fingers crossed you manage to get rid of them. 🤞