Here We Go...Debt, Diet, DIY & Wedding!!

Sammy_Girl

Well, I haven't posted much recently - i've been soooo busy for work. I need another holiday lol!!

So I've decided to change my signature re debts. I had included my student loan previously, but have now decided not to. It is technically a debt, and I do pay £134.44 a month, but as it doesn't show on any credit checks and the like, I have decided to just let it tick over each month. So all that leaves is £1396.76 outstanding on my credit card and £5,333.06 to First Revenue DCA :eek: . I'm going to concentrate on paying cc first as that still accrues interest, and then save up and offer a F&F to First Revenue hopefully in November. And then I will be done by Christmas :T . So hopefully a good start to 2009. We're remortgaging in 2009, and even though my credit report will still look a bit pants, at least I can tell them that I've paid off all debts, unlike when we took out our mortgage last year and I had over £15k worth of debts, and earned half as much

I've found myself lurking on the Mortgages board an awful lot recently. I am starting to get worried about the interest rates and how much they will be when we remortgage. Only time will tell I guess.

S x

lucielle

If you can get debt free by Christmas that will be brilliant
L

Sammy_Girl

Thanks Luci, that would be great if I could make that. I just need to be disciplined and stick to my plan. I don't have any major purchases or holidays coming up before then so fingers crossed! Have told my OH that I will pay off by Xmas, so he keeps motivating me! I think he can't wait for the day when I pay more towards the mortgage and bills, so he pays less :rotfl: . Mind you he is paying for the wedding :A

Sammy_Girl

Crikey, can't believe I haven't posted on my own diary for a week . Still haven't got my backside in gear on the wedding front. I know we need to put the deposit down on the wedding cars, and pay the church. I will do it this week, I will!!

I spent practically the whole afternoon today putting the lawnmower and bbq together. I'm going to surprise OH with a small bbq tomorrow as we haven't had one for a year and the weather is supposed to be good. I'll have to make sure I get up to be at the supermarket for when it opens as I'm sure the bbq food will sell out!!

Weigh in again on Monday. I can't believe I've lost over a stone!! Just one more stone and then I'll be happy .

I have to confess that I bought one Kipling bag last week. They're having a 50% sale online and I did restrict myself to just one

S x