On a Mission

Options
1…1112141617…71

Comments

  • Mummy_bear
    Mummy_bear Posts: 604 Forumite
    First Anniversary Name Dropper First Post Photogenic
    Options
    ChasingSunshine wrote: »
    Well done. That is really impressive. Keep up the good work and you will have no problem hitting your goals by the end of the year

    Thank you ChasingSunshine.

    I hope you're right and my goals are achieved. We'll certainly work hard to make them happen
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £46444.23 :eek:
    £40773.61 /£46444.23 87.8% paid
  • Mummy_bear
    Mummy_bear Posts: 604 Forumite
    First Anniversary Name Dropper First Post Photogenic
    Options
    Totals as of 3rd September

    Lloyds CC £1343.20
    Next £140
    MBNA CC £4130
    Barclaycard CC £2585
    My overdraft £70 £1 paid off
    Tesco Loan £10,012.88
    Santander Loan £5512.55
    TV -DH purchase £634.9
    M&S Loan £7910.64*
    Bicycle finance £187.5*
    Other £ 0 £551.89 paid off :j

    *(not strictly accurate, will update once I have accurate figures)

    Total Debt as of 3rd of September - £32526.67


    Total cleared since 1st September - £552.89 :T

    Emergency Fund total - £170/£1000


    Oooo, Nice chunk paid off :):) Really don't think we'll get a chance to do that again before Christmas though.

    Fantastic way to start September.

    Dh has also changed his Mobile contract. He was on a £35 a month contract. He's cancelled it as it was due to end in September. He's now gone with giffgaff £15 a month.

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £46444.23 :eek:
    £40773.61 /£46444.23 87.8% paid
  • Mummy_bear
    Mummy_bear Posts: 604 Forumite
    First Anniversary Name Dropper First Post Photogenic
    Options
    I realized the other day whilst doing my review I really only concentrated on the previous 3 months and then mid term goals.

    So I'm setting myself a monthly goal list- wishingthemortgageaway I like your little list for this :)

    1) To pay a total of £1500 off debt
    £552.89/£1500

    2) To get £300 in the EF
    £170/£300

    3) To list 10 items on Ebay
    0/10

    4) To earn £30 from surverys - only payable to count
    £0/£30

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £46444.23 :eek:
    £40773.61 /£46444.23 87.8% paid
  • wishingthemortgaheaway
    wishingthemortgaheaway Posts: 2,536 Forumite
    First Post First Anniversary
    Options
    It all helps to keep me focused.

    All the very best with your goals.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • Mummy_bear
    Mummy_bear Posts: 604 Forumite
    First Anniversary Name Dropper First Post Photogenic
    edited 3 September 2017 at 6:03PM
    Options
    UPDATE

    Totals as of 3rd September

    Lloyds CC £1343.20
    Next £140
    MBNA CC £4130
    Barclaycard CC £2585
    My overdraft £70
    Tesco Loan £10,012.88
    Santander Loan £5512.55
    TV -DH purchase £634.9
    M&S Loan £7910.64*
    Bicycle finance £112.5* £75 paid off

    *(not strictly accurate, will update once I have accurate figures)

    Total Debt as of 3rd of September - £32451.67


    Total cleared since 1st September - £627.89 :T

    Emergency Fund total - £170/£1000


    OK, sat down with DH and reviewed our debts. Noticed that the bicycle finance hadn't been updated in a couple of months. Confirmed that I'd forgot to deduct 2 months worth of payments...so that has been amended.

    We've also increased the TV payment from £45 to £76.01 a month. That has taken 7 months off the end date.We'll keep reviewing this and assessing whether we can afford to increase it further.


    September goals

    1) To pay a total of £1500 off debt
    £627.89/£1500

    2) To get £300 in the EF
    £170/£300

    3) To list 10 items on Ebay
    0/10

    4) To earn £30 from surverys - only payable to count
    £0/£30


    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £46444.23 :eek:
    £40773.61 /£46444.23 87.8% paid
  • wishingthemortgaheaway
    wishingthemortgaheaway Posts: 2,536 Forumite
    First Post First Anniversary
    Options
    £76.01???

    Please tell me there's a really good reason for that particular ugly looking, non neat and rounded amount...

    Wish is twitching...
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • Mummy_bear
    Mummy_bear Posts: 604 Forumite
    First Anniversary Name Dropper First Post Photogenic
    Options
    wishingthemortgaheaway wrote: »
    £76.01???

    Please tell me there's a really good reason for that particular ugly looking, non neat and rounded amount...

    Wish is twitching...


    Haha I know right. It's finance with Currys and when you log into the account you can't change the monthly payment amount to what you like. Instead there is a dial to change the length of time you want to continue to pay. Frustratingly the balance it shows you online is not the real total that will be paid off as interest is calculated each month.
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £46444.23 :eek:
    £40773.61 /£46444.23 87.8% paid
  • wishingthemortgaheaway
    wishingthemortgaheaway Posts: 2,536 Forumite
    First Post First Anniversary
    Options
    Well they are not very money saving or Tilly tidying friendly are they??? Meanies. Oh well, 'twill be gone soon...
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • Mummy_bear
    Mummy_bear Posts: 604 Forumite
    First Anniversary Name Dropper First Post Photogenic
    edited 4 September 2017 at 8:52PM
    Options
    Totals as of 4th September

    Lloyds CC £1343.20
    Next £136 £4 paid off
    MBNA CC £4130
    Barclaycard CC £2585
    My overdraft £70
    Tesco Loan £10,012.88
    Santander Loan £5512.55
    TV -DH purchase £634.9
    M&S Loan £7910.64*
    Bicycle finance £112.5*

    *(not strictly accurate, will update once I have accurate figures)

    Total Debt as of 3rd of September - £32451.67
    Total debt as of 4th of September - £32441.67


    Total cleared since 1st September - £637.89 :T

    Emergency Fund total - £180/£1000




    September goals

    1) To pay a total of £1500 off debt
    £637.89/£1500

    2) To get £300 in the EF
    £180/£300

    3) To list 10 items on Ebay
    0/10

    4) To earn £30 from surverys - only payable to count
    £0/£30

    Reviewed accounts. Moved £10 into the Emergency Fund and £4 towards Next account.

    11 days til payday. Hoping to squeeze some more payments in before then


    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £46444.23 :eek:
    £40773.61 /£46444.23 87.8% paid
  • Mummy_bear
    Mummy_bear Posts: 604 Forumite
    First Anniversary Name Dropper First Post Photogenic
    Options
    Day off today and tomorrow.
    DS starts back at school tomorrow and wanted to go out for the day today...something free of course. But it's raining heavily and forecast shows that to be the case all day.

    So...I'm sure the overflowing arts and crafts kit will get used today.

    It goes without saying that that he is ready to get back to school. I do worry though, he starts year 1 this year. It'll require more discipline and concentration which he struggles with. We're waiting for an ADHD assessment :(

    DH is also off work still recovering from hurting his back. Just waiting on an appointment for a CT scan to rule out something more serious.

    Hope to get to the allotment today and clear up some more soil and looking into planting some of the seeds I've got.

    Oh and I might even brave the rain and go for a run. I've put on way too much weight this year. I love food...so I need to exercise :rotfl: I used to run a lot. Even completed the London Marathon a few years back ..slowly...but I did it. I may never get to that level of fitness again due to time constraints etc but I'd love to try. Some colleagues spoke about doing a half marathon next March which I'm totally up for.
    Will be interesting to see what my level of fitness is like at the moment though :eek:
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £46444.23 :eek:
    £40773.61 /£46444.23 87.8% paid
★ ★ ★ Meet your Ambassadors

Categories

  • All Categories
  • 343.2K Banking & Borrowing
  • 250.1K Reduce Debt & Boost Income
  • 449.7K Spending & Discounts
  • 235.3K Work, Benefits & Business
  • 608.1K Mortgages, Homes & Bills
  • 173.1K Life & Family
  • 247.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards