In pursuit of happiness...for real this time! Donner_kebab's debt diary!

donner_kebab

Hiya KM!
Yep I have Internet Banking...have just checked it now to make sure the wages went in! It is just that I was expecting a chunk of overtime and last time this happened, they paid me all wrong and I had to pay the money back the following month and then they paid me the correct amount! I just wanted to make sure that they had done it the correct way this time before paying the money to the card...I think that they have though, seems to be about £260 quid extra this month so that will be going off of my card on Monday if that is the case. I have been off work today, hence no wage slip! That would be fab to pay off on Monday, will take it down to about £130 but then they will be outting the interest on too...with the usual minimum payment and a little extra if I can, that card will be gone within the month! Can't wait!

Keeping_Motivated

Oh I see what you are sayin, best to be caustious until you're 100% sure. I am amazed at how much you have paid off its great and it must really give you a boost.

Hate to jump the gun but whats the next challenge for next month once thats clear

Hows DD liking having a car now in the family? Is she milking it yet?

donner_kebab

It's fab to have so much paid off, but with such HUGE interest rates left, right and centre it feels like it is gonna take forever! I know that if I knuckle down, I am looking at about 2 years or so but I just have to keep telling myself that 2 years will be here before I know it and then I can start trying to find somewhere nice for me and DD to live! :j

Emily is loving having the car! I am trying to keep it to minimal journeys only, e.g supermarket only and even though everyone thought I would be driving to work and everywhere else, I am still cycling and walking so that is all good! Great just having it there when needed! She has a party next Friday so I will be able to drive her now so she is happy about that, rather than me saying, sorry you can't go as we can't get there!

Next challenge...I will have 4 cards left, 2 HUGE ones and 2 little ones! Was toyinh with the idea of one of the small ones as is nice to see them getting paid off but realistically, I need to think about the interest and the huge amount I am paying on the bigger cards, so plan to hit them next! Dunno whether to pay an extra money to both of them, e,g, split any money I can 50:50 and pay to both, or to just hit one and then the other! Think I will do it that way? I just don't know! The interest rates are the same on both which is a mare, just thought the lower they get, the less interest will accrue, but I suppose is they are both on the same rate of interest, it won't make much difference! Does that make any sense???

Am deffo gonna get on the Snowball calculator and get a debt free date if I can too! Just want Virgin done and dusted first!

boredofbeingathome

The way i would look at it is to see how quickly this last year has gone and how much you hae done to reduce your debt..It will be over before you know it.
Glad the car is running well too.x

donner_kebab

Heya BOB!

I know, I can't believe that it is nearly October! Completely mental! I will be doubley happy when my Cahoot loan is all paid off, should be April 2010 which is only 18 months away or so! That is £175 per month going to that!

Is Emily's birthday next month and she will be 12! Little madam! First time ever though she will be at school on her birthday as the term time seems to have changed by a few days! She is not a happy bunny, but then she never is at the moment so nowt new there! I have booked the half term week and a half off as leave at work so will be nice to spend some time with her and away from the office.

Mikey the Micra is all ok! Took it out the other day to drive Emily to her school in the evening to help at a new potential parents evening thingy. Nice that it smells of roses after I stuck some smelly pig thingy in there, so no old man smell now as it was before!

xxx

boredofbeingathome

Ah the akward twelve year old..mine had that as well, or basically my eldest started it and then passed it on.lol.
It will be nice to have some time off with her and i am sure you will be able to pootle off somewhere in Mikey.
xx

donner_kebab

boredofbeingathome wrote: »

Ah the akward twelve year old..mine had that as well, or basically my eldest started it and then passed it on.lol.
It will be nice to have some time off with her and i am sure you will be able to pootle off somewhere in Mikey.
xx

:rotfl: I am lucky I just have the one I suppose! Only another 6 years or so to go eh?!?!?

Yep I think we will! Might see what the weather is like as could maybe go for a day or two camping, just us! Will be scary but cool at the same time! :T xxx

skint_spice

That sounds nice donna, I think the forecast is quite good for the weekend.

beanielou

2 years are nothing!
As you say cant believe its October next week.
Look how quick this year has gone.
If I was you I would go for one of the wee ones next to give you a boost.
just my opinion!

donner_kebab

Just a mega quick update as am at work...boo hiss!
£260 off of the Virgin card so getting right down now! I need to wait for the statement to see how much interest they are going to add on now and try and get it cleared by the end of October!
Mmmming and arrrrrring about what one to do next...really should do one of the larger cards but first will work out how long it will take me to wipe the smaller ones and would be fab to get them completely out of the way and they would be quicker too!
Can't wait to get rid of the Virgin one and do the snowball thingy too!
Hopefully gonna get a payrise in October as I work in a University...will be fab as more money to hit at the cards!
Woop woop!