Why Walk When You Can Fly

Time for a new diary, although not at the end of 2018 yet, my plans put in place at the beginning of the year, haven't quite gone as planned....like most things

Title of my diary comes from a Mary Chapin Carpenter song of the same name and the lyrics are rather apt to the present moment, it symbolises life and at ahem (42, shhhh!! Don't tell anyone) it resonates with me.

Debt as it stands:

MBNA: £5960 0% Sept 2019
BC: £40
Lloyds: £10,000 - 0% April 2021
Lloyds OD: £2750

Grand Total: £18750.00

So whilst that looks horrendous, it is manageable.

Pots:

General - This is my default pot - will be used as my emergency pot
DD's Travel - Yearly
Overdraft - Will make a monthly payment until I hit target
CC Overpayment - Same as above
Cars - Again as above but no set target, will be used for all things car related
Household - Everything house related - may include Quarterly and Yearly bills??

Good Things:

• Capital One card has gone along with DS's misdemeanour from last year, this one I was adamant was going this year.
• We've paid off over £7K off the debt this year. Most of that was because of DH's commission and general saving up but also due to Surveys
• Car is finally sorted
• Lounge has been decorated
• Pots set up
• DS has finally settled down in school (I hope!)

Bad Things:

• The debt has increased - probably by what we already paid off, not sure.

The good outweighs the bad, which means that things are going the right way.