I don't need another skinny Latte

edited 30 November -1 at 1:00AM in Debt Free Diaries
673 replies 99.4K views
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  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
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    Pay day's been :j

    Barclaycard: [STRIKE]£1612.50[/STRIKE] £288 @ 82.13%
    Barclaycard: £4800 @ 0% until Mar 2021
    Halifax CC: [STRIKE]£510.66[/STRIKE] @ 22.2% Paid
    Very [STRIKE]£149.97 £99.97[/STRIKE] 0% Paid
    Santander Car Loan £4871 £4871 @ 3% until Mar 2021
    Carpet Shop [STRIKE]£165[/STRIKE] Paid
    Total debt: £13131.13 £9958 - 24.16%

    Also had a nice expense claim paid, so lots of CC payments in the last week, and the total debt is reduced to <£10k now :)

    By the end of the month, I should also be able to pay back the £370 for the new washer for the Airbnb, as there's quite a few bookings this month.

    Work is mental - so I'd better go an do some!
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • Seasidegal58Seasidegal58 Forumite
    4.8K Posts
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
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    Well done on the debt busting skinny!:j

    Good news on your Airbnb bookings as well!

    Don't work too hard!:D
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    Well done on the debt busting skinny!:j

    Good news on your Airbnb bookings as well!

    Don't work too hard!:D
    Thank you, I hope you're well. I'm finding my way very slowly around the new forum. Can't figure out how to update my signature.
    I'm going to take my car loan out of the debt calculations. It's a living cost like my mortgage. I've done 75,000 miles in less than 3 years, and my car is now out of it's warranty period, so I'm going to get another (nearly) new one.
    So the only debt I now have to pay off is the Barclay bill incurred for the bathroom and heating in my new flat last year. I think I should start another diary called 'I don't need another holiday', as I've just booked a weekend in London to see Queen with my friend and that wasn't cheap! Oh and a few days in Scotland with my Mum, who bless her booked it, and then sent us a message saying, all contributions gratefully received. So of course I 'over contributed' because it's my Mum and that's what I do!!
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • Seasidegal58Seasidegal58 Forumite
    4.8K Posts
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
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    I hope all is going well with paying off the Barclaycard skinny. 

    The Queen concert will be great!  Unfortunately the days are long gone though when you can get a decent seat at a big name concert for a reasonable price. ☹️ But enjoy!

    Laughed at the comment re your mum. You are quite right - it's exactly what we do!😁
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    I hope all is going well with paying off the Barclaycard skinny. 

    The Queen concert will be great!  Unfortunately the days are long gone though when you can get a decent seat at a big name concert for a reasonable price. ☹️ But enjoy!

    Laughed at the comment re your mum. You are quite right - it's exactly what we do!😁

    Thank you for the nudge!

    Actually it's not going so great, I was charged £52.65 interest last month. I assumed the £4800 would remain interest free, but it appears it doesn't because I'm still using the card, I don't really understand why it's done this. My interest free portion has now dropped. So it currently looks like this:-
    Barclaycard total: £4792
    £1912  @ 19.2%
    £2880 @ 0% until Mar 2021
    I'll see what is says on the next statement and see if I can make some sense of it.
    Also I've now traded my car in, and although it's a very nice car, it's probably not that much nicer than my old one and has cost me £10k more. OK so it's much newer, has 70k less miles and 2 years warranty left. But the mgp I'm getting so far is lower than my old one. Anyhow there's not an awful lot I can do about it now. They're not going to take it back and give me my old car back. I will keep this one, and never get rid of it until it becomes economically unviable to do so! Also I will remind myself of my friend who buys a brand new car at least every 3 year. I mean how much money is that wasting!
    I do have £2290 left, as I didn't spend the entire amount I refinanced for. I'm a bit tempted to pay this off the barclay card, rather than repaying it back to the low interest car loan. 
    Oh I don't know, I can't trust myself to make any sensible financial decisions any more :(

    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    Today I had a bit of a LB moment. I was watching a podcast on setting intentions and it got my thinking. About 10 years when I was in serious debt doodoo. I had lots of money mantras, law of attraction, intentions etc. And it did work, money started to come in from all sorts of odd places. Salary increases, Youtube, online business etc, and I was able to pay down my debt quickly. But I still have a cycle of getting out of debt and then going back in. Just as I have done recently with the new bathroom and the car.
    So, it's only just occurred to me that I now need to set my intention to live within my means, to live a frugal but comfortable life. Maybe I've become so good and focussed at paying off debt, that when I don't have any, it doesn't matter how much income I have, I'm going to get into more debt, so I'm in my comfort zone.
    It feels like a bit of a light bulb moment to me ... it's not about 'trying' to live frugally, its a change of mindset to being a frugal person. Like when I gave up drink (1 year 10 days now!) I didn't decide to just give up drink. I decided to see what it was like being a non drinker, and it was so good I have no desire to drink again. So this is just the same. I will change my mindset to live as a frugalite - simples.
    I met someone very frugal the other day. he said he's only ever had 2 cars. When he got his first job wokring in a takeaway he took all his wage packets to the bank at the end of the month and deposited them. I think that got me thinking too ...
    So here's some frugal mantras to start

    "I don't need things to make me happy. I choose my own happiness."

    "I have enough. I am enough."

     "Nicer things don't change who I am."

    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    Oh and a finance update. The fence at the Airbnb blew down, the microwave blew up, the gas fire won't work and my son needs an X-ray that we can't get on the NHS. That's £425 (Fence) + £65 (Microwave) +£360 (X-ray) + £??? (Fire) = Ouch
    How much is in my emergency fund - £200
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • Seasidegal58Seasidegal58 Forumite
    4.8K Posts
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    ✭✭✭✭
    Ouch - it's all hit you at once hasn't it?☹️  I hope your DS is ok. 

    I like your mantras though!😀
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • edited 29 February 2020 at 12:05AM
    SkinnylatteSkinnylatte Forumite
    1.2K Posts
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    ✭✭✭
    edited 29 February 2020 at 12:05AM
    Ouch - it's all hit you at once hasn't it?☹️  I hope your DS is ok. 

    I like your mantras though!😀
    Yes he's fine thank you. Its just to follow up from an op he had when he was 10. His new employer wants to assess his pensionable age!! Talking of pensions, I daren't look at mine right now. The bottom has fallen out of the market, let's hope it recovers soon.
    I've had a frugal week. Filled up with diesel at 118.8p a litre, how great is that! £200 mileage claim on just 1 job, that only cost me £40 in fuel :) And I bought my supper on expenses also on the way home. Got home to find a few bits in the fridge that DS had left, which'll probably do me for the weekend, and then travelling again on expenses all next week again - happy days.
    Pay day today, and I have to apportion everything between the fence/fire/xray etc etc - never ending. I'll set an hour aside over the weekend to sort it all. 
    Need a new shower curtain as DS kindly washed ours, and then put it in the dryer - I mean who puts plastic in the dryer  :D Anyway ordered a new one off Amazon that should be here tomorrow, a bargain at £5. Annoyingly I forgot to order through topcashback, I must remember this in future as Amazon pays quite well.
    Have a lovely weekend all xx
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • Seasidegal58Seasidegal58 Forumite
    4.8K Posts
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    ✭✭✭✭
    I wouldn't worry too much about your pension.  You've still got a few years to go and the market will recover over time. 

    Good news on the expenses!  That's the way to spend!😀

    🤣🤣🤣🤣🤣 on your DS's shower curtain episode!  Mind you, I didn't realise you could use topcashback for Amazon.  Will have to remember that for next time. Thanks for the tip!👍
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
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