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  • FIRST POST
    • Eager_Elephant
    • By Eager_Elephant 1st Jan 10, 1:40 PM
    • 4,404Posts
    • 25,231Thanks
    Eager_Elephant
    Eager Elephant's Effective Everyday Excursion ...
    • #1
    • 1st Jan 10, 1:40 PM
    Eager Elephant's Effective Everyday Excursion ... 1st Jan 10 at 1:40 PM
    !!!8230;!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;into Debt Freedom!!

    Over the last few months I have read people!!!8217;s diaries and got all motivated so I think the time has come for me to do my own diary.

    About Me

    I am 29, married to my DH - 30 and we have 2 children, DS - 13 & DD - 7 today!!!
    We live in a rented 3 bed house, we have 7 cats, 8 ducks, 1 goose & 20 hens in our garden. We also have 100+ chickens, 10 geese & 8 turkeys on a rented field (near our house).
    I work part time (2 days) and I also do voluntary work 2 days per week leaving 1 day for myself. DH works full time with normal hours 9 -- 5 (unlike before).
    I am a Debt Adviser so I should know better but at least I have empathy with my clients!!!!

    Debts

    Our debt situation has gradually got worse over the years, in 2004 we owed about £6000, now it is £23,000+. Lots of reasons for this include being frivolous, my DH has depression and buying things makes him happy so I have allowed the spending to get out of control. Part of the £23,000 includes 2 cars which we brought recently, total = £14000 so I guess if we didn!!!8217;t have them we would have about the same amount of debt!!

    We have been very good with our credit cards lately and I have not used mine for over 6 months, DH used his to buy tyres for his car instead of using his bank account and now he does not have the money to cover the cost!! Grrrr!!

    My debts are all credit cards:

    Barclaycard - £7,354.66 !!!8211; approx £4706.65 is on 0% until Apr 2010 and the rest is on 24.9%.

    Paypal - £631.21 !!!8211; just finished promo offer and now at 17.9%

    Amazon - £2,321.62 !!!8211; some at 15.9% and 6.9% life of balance.

    Abbey - £889.82 !!!8211; 0% until April 2010

    Total - £11197.31

    My DH!!!8217;s debts are all credit cards:

    Amazon - £5,540.63 !!!8211; 6.9% life of balance

    Paypal - £1,276.13 !!!8211; some at 17.49% and 26.47%

    Tesco - £3,261.83 !!!8211; 0% until 23/1/10

    Barclaycard - £1,872.56 !!!8211; some at 14.9% & 27.9%

    Total - £11951.15

    Grand Total = £23148.46

    The plan is to clear DH!!!8217;s Paypal card asap and then balance transfer some of the credit cards with the mixed interest rates to make it easier to keep track of and of course I know that the lower interest is cleared first.

    Finances

    Up until earlier this year we used to have a joint bank account into which both our wages were paid and the bills would be paid from this. DH thought that he was restricted as we did not have spending money so bought things of Ebay with his credit card.

    We now have single accounts which our wages are paid into and we pay the same amount in to the joint account each month to over the household bills. We each have to pay our own credit cards bills, car expenses and pocket money. Child Tax Credit is paid into a seperate account and is used to pay the childminder and for when we are skint in all accounts.

    I do not agree with the above re division of monthly cost but DH will not have it any other way. To make sure I can afford my half I have to include Child Benefit and CSA as my income, however CSA has just decreased by £40 per week so I am short on my income every month. Before Xmas I read the calculations and I think they are wrong so I need to sit down and write a letter to CSA asking for a recalculation.

    This Year !!!8211; 2010

    Things are going to change this year as we are moving house and having a relative move in. Fingers crossed we will be in our new house on 1st February and then the relative will be joining us at Easter. (This has numerous problems attached as other relatives are not happy about this and are causing a stir)
    We are not sure what we will do with our current house but we may buy it and then rent it out !!!8211; stupid idea I know when we are in debt!

    I also hope that in 2010 our debts will reduce significantly.

    This Decade !!!8211; 2010 - 2020

    In the next few years we hope to buy a smallholding so will need to get a deposit together.

    I would also like to visit this place: http://www.blesele.org/

    I love elephants, I collect elephant ornaments and when I went to Sri Lanka I rode on the back of one and fed some. I love elephants.

    I think the price is quite reasonable (if I wasn!!!8217;t in debt) so this is another thing to aim for.

    The Plan

    House Move !!!8211; I sent an admin cheque to the estate agents last week for £460 which will probably be cashed next week !!!8211; this money is sitting in my bank account but it does mean that I am unable to pay my contribution to the bills at the moment.
    I assume we will need 2 months deposit, so need to also save £1300 within the next few weeks. (The reason this is a bit up in the air is because we are renting from friends but they have decided to go through an estate agents and we are not sure if they will follow usual rental protocol or give us some leeway)

    I need to have a good declutter of the house by end of Jan. I started yesterday with son!!!8217;s bedroom and have listed items on Freegle which will hopefully be collected this weekend. Anything not collected can go to the charity shop on Monday.

    I also need to speak to RSPCA about rehoming some of my cats as we cannot take them all with us. 4 cats will need to be rehomed, 3 of these are brother/sisters and are quite wild !!!8211; they will be stroked on their own terms but cannot be held or anything like that. The other one is a male kitten we kept from a litter in the summer but he keeps urinating all over the house even when there is a clean litter tray so he cannot come to a rental home with us.

    Debts/House Deposit & Costs - I will continue to sell items on ebay and this money will go into a spare bank account I have to be used for the House costs or towards debts.

    I have been doing Butlins Bingo, I have had 1 payout of £10 and I am currently up to £5.13 !!!8211; must remember to scratch every day and twice on Sundays!!

    I have been doing surveys on and off for a few years but never on a regular basis (as proven by the transaction history on each account!!). Last night (because I am sad and did not go out, not really I never go out on NYE I prefer to stay at home) I logged into all my survey sites and got updates on all balances etc:

    Yougov !!!8211; 4585 points (need 5000 to payout £50.00)
    Pure Profile - £18.20 (need £25.00 for payout)
    Lightspeed !!!8211; 2475 points (can take a payout now)
    Global Test !!!8211; 76 points (need 1000) (had payout just before Xmas)
    Valued Opinions !!!8211; £5.75
    Opinion Bar - £7.38 (need £10.00 for payout)
    Harris Poll !!!8211; 460 HIPoints (need 2500) (some removed as no surveys done within 6mths)
    One Poll - £4.05 (need £40.00 for payout)
    Ipoints !!!8211; 1280 (converted some of these before Xmas)
    Rewarded Opinions !!!8211; 995 points (need 2000 for payout)
    MyVoice - 545 points (need 2000 for payout)

    So I will make sure I do my surveys every day or every 2 days if pushed for time.

    If anyone knows of any more survey sites please let me know. (I used to be a member of Toluna but it did not seem worth it for the points, unless I am missing something and someone can give me some hints)

    I will also post every day on a brilliant thread called !!!8216;Payment A Day!!!8217; - http://forums.moneysavingexpert.com/showthread.html?t=2047605
    Basically you make one payment every day, no matter how small, to one of your debts or into savings. This money can come from money you have saved on your food bill, money you have raised by selling things etc. The total paid in 2009 was just under half a million - £500.000!!!!
    I have been doing this sporadically but need to concentrate and do it every day.

    I would also like to make special mention to a board on Motley Fool called Your Tomorrow Starts Today, it!!!8217;s all about listing your goals for the month and trying to achieve them !!!8211; sometime!!!8217;s they may seem insignificant but to that poster they are a hurdle in life. If you need support every one there is willing to give it. Long term goals are an option but it!!!8217;s all the little goals needed to get to the bigger ones.

    I have read Weezl74!!!8217;s threads on the Old Style boards, I am part way through the 50p per day until Xmas. She is so inspiring and I wish to follow her lead and save some money on food this month. We don!!!8217;t really have a food budget for this month as all spare money will be needed for house costs so I want to try and use most of the things out of the cupboard and fridge before we move !!!8211;could be some interesting combinations.
    The chest freezer will not be coming with us, there is no room and it is on it!!!8217;s last legs !!!8211; luckily before Xmas I sorted it out so there is some party food, 2 turkeys and that!!!8217;s about it !!!8211; shouldn!!!8217;t be too difficult to use up!

    I know what your all thinking by now !!!8211; why doesn!!!8217;t she stop waffling and get on with things!! !!!8211; well it all starts here.

    Thanks for following me on my journey.

    EE
    Last edited by Eager_Elephant; 05-01-2010 at 10:23 PM. Reason: Realised also signed up for MyVoice!!
    Ninja Saving Turtle No. 17 for June
    NSD - 8/20
    (up to 16/6/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
Page 75
    • Eager_Elephant
    • By Eager_Elephant 1st Jan 18, 3:39 PM
    • 4,404 Posts
    • 25,231 Thanks
    Eager_Elephant


    Thanks for all the birthday and New Year messages.

    I feel almost back to normal when I'm not coughing but once I start coughing then I struggle to breathe and have to keep coughing until I can breathe properly, its actually quite terrifying.

    DH was also feeling much better but since yesterday he has ached all over so I assume he has started with flu or similar.

    DS now also has a cough, sore throat but he has a blocked nose and he aches all over as well.

    If everyone could keep away that would be great - I have put a big red cross on the door!!!

    DH and I are both supposed to be back at work tomorrow, I am definitely going in although not sure what I will do that does not involve talking as talking makes me cough as it dries the throat.


    I need to make some extra money this year as the budget is very tight so the other day when I popped to town I brought a cheap smartphone and have rejoined Swagbucks.
    betterthanever makes quite a bit from it but I will be pleased with £5 pw - I am hoping to make mine mostly from videos which I will run on the smartphone while at work all day and also at home but only where I have free Wi-Fi. As long as it doesn't get stuck I should be able to leave it running for 2 hours and then switch over to a new app and run that for 2 hours - its not a lot of points but should all add up.
    Ninja Saving Turtle No. 17 for June
    NSD - 8/20
    (up to 16/6/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Eager_Elephant
    • By Eager_Elephant 1st Jan 18, 3:47 PM
    • 4,404 Posts
    • 25,231 Thanks
    Eager_Elephant
    Happy 8th Birthday Diary!!!

    Just had a quick read of last years birthday post and its the same as I always post - bemoaning that I haven't paid off much debt and must do better etc etc

    Well in 2017 I did try harder, my debt on 1/1/17 was £8003.75 but my debt today is £7091.11.
    I managed to clear £912.64 of debt which was my credit card that had been hanging around for years.

    I mentioned a year ago that DH owed £22k, I have just tallied his debts and he has managed to pay off £1779.76 (well when I say he I mean I used his wages to pay off his debts!!). Much better than the usual £200 which would normally be paid.
    He has a debt with just over £500 left so I am hoping that by the end of Jan he will have enough to pay that one off as well.
    A lot of his debts will fall off his credit report this year as they will be 6 years old so his credit rating is going to improve massively by the summer.

    There is the small matter of some additional debt which I mentioned in early Dec but I wont add that to the debts above and instead will hopefully clear this from the joint bank account gradually plus there is 2 council tax free months coming up. It is about £825 so hopefully will have that cleared within 6 months.

    So lets see what 2018 will bring me and this time it will be all about what I want (although DH did mention to me today that next month we will have been together 19 years and next year as its 20 years we should do something special - clearly my conversation with him a few weeks ago has slipped his mind)
    Ninja Saving Turtle No. 17 for June
    NSD - 8/20
    (up to 16/6/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • stepuptothepl8
    • By stepuptothepl8 1st Jan 18, 5:02 PM
    • 872 Posts
    • 4,348 Thanks
    stepuptothepl8
    Happy New Year EE.. would it be worth you putting together a 'freedom fund' if you can? Wishing you a 2018 full of things that make you happy x
    LBM 1st Feb 2015 £16208 to go
    my diary: time to step up to the plate. SPC#503
    • crazy_cat_lady
    • By crazy_cat_lady 1st Jan 18, 5:07 PM
    • 3,548 Posts
    • 30,518 Thanks
    crazy_cat_lady
    Happy New Year EE and belated happy birthday. Hope that you!!!8217;re on the mend xxx
    June Odessy NSD 6/10 DFD 6 Nov 15 - paid £28,447
    • *Robin*
    • By *Robin* 2nd Jan 18, 12:18 PM
    • 3,263 Posts
    • 13,306 Thanks
    *Robin*
    Happy New Year! EE - happy moneysaving - and I agree with Step-Up that a very private "Freedom Fund" would be a great idea for 2018..

    Rx
    • Eager_Elephant
    • By Eager_Elephant 6th Jan 18, 7:44 AM
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    • 25,231 Thanks
    Eager_Elephant
    Thanks for the comments everyone - I could start a freedom fund although it would have to be DH who leaves as the tenancy for this place is in my name, maybe I should start him a freedom fund

    While he has been ill and asleep for most of the day I feel like I could continue living with him and should just put up with him but then when he is awake he does something to annoy me and I realise that this is not what I want.
    If you recall the thing which triggered all this is the TV subscription, he obviously said he had saved money by signing up for this new thing, well the DD went out this week and it was £80
    So I guess in a way he did save money as the last DD was £86 but no of course he hasn't saved money because the bill only used to be £68
    When I spoke to him about it he said he had saved us £6 - honestly the man just doesn't get it.


    Anyway DH has had a letter from Public Health England to say he has Whooping Cough - we knew it was more than the winter cough which the GP keeps saying he had, we went back this week to our own GP as DH had a sort of fit when he passed out and they still said it was the winter cough.

    I will call the GP on Monday and ask to be tested as well.

    There is no cure and we are too far along to have antibiotics so just have to wait until it passes - anything from 3 months The one good thing is that we are no longer contagious so life can carry on which is just as well as I have been at work all week.
    DH managed 2 days at work but had last 2 days off as I think he has flu (on top of the cough)

    Its all go in the Elephant household as DS is back to Uni tomorrow and I have loads to do today as wont get a chance tomorrow.

    Have been keeping up with Swagbucks by playing videos and have met my daily target each day so far so at the start of Feb there will be a nice bonus waiting.
    Also doing a few surveys each evening but certainly not keeping on top of everything that is coming in - hopefully next week will be easier as the household will slow down as DS at Uni and DD back at school so I wont need to do meals, also hoping DH will be well enough for work.
    Ninja Saving Turtle No. 17 for June
    NSD - 8/20
    (up to 16/6/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Ali-OK
    • By Ali-OK 6th Jan 18, 8:14 AM
    • 4,058 Posts
    • 16,641 Thanks
    Ali-OK
    Happy belated birthday EE

    at the whooping cough, good idea to get yourself tested.

    Freedom fund sounds like a plan and hope your DS is enjoying Uni.
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
    • enthusiasticsaver
    • By enthusiasticsaver 6th Jan 18, 8:24 AM
    • 6,609 Posts
    • 13,870 Thanks
    enthusiasticsaver
    Do you have separate finances or joint EE? I would take that £80 from your DH wages.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • sashybo
    • By sashybo 6th Jan 18, 8:37 AM
    • 2,775 Posts
    • 20,585 Thanks
    sashybo
    at the whooping cough, I hope it clears up sooner than 3 months.

    at the Sky bill but in a way he’s done you a favour - reminding you that you don’t want to be stuck with this kind of behaviour for the rest of your life.

    Well done on the swagbucks - I find the videos really help in gaining points & have even roped my DH in. Of course he has to get competitive about it - I made sooo many points today, how many did you get?
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £10,617 extra paid off debt. Total Debt paid off £51,528
    Loan £2095.14, CC 0% BT £985, Car loans £22,206.11

    Have a Debt Free Diary to try & keep spending in check.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 6th Jan 18, 9:03 AM
    • 4,426 Posts
    • 30,684 Thanks
    HairyHandofDartmoor
    Do you have separate finances or joint EE? I would take that £80 from your DH wages.
    Originally posted by enthusiasticsaver
    I would do that too.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • beanielou
    • By beanielou 6th Jan 18, 8:35 PM
    • 55,012 Posts
    • 219,618 Thanks
    beanielou
    EEEk to the Sky bill. I would cry.
    Eeek to the whooping cough too.
    It just keeps coming
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Seasidegal58
    • By Seasidegal58 6th Jan 18, 8:55 PM
    • 1,980 Posts
    • 12,240 Thanks
    Seasidegal58
    That’s awful about the whooping cough EE. Three months!

    Hope everything calms down and you can begin to plan properly.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    MONTHS TO RETIREMENT: 35!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Sun Addict
    • By Sun Addict 6th Jan 18, 9:19 PM
    • 5,832 Posts
    • 38,535 Thanks
    Sun Addict
    I can't believe these Sky/Virgin costs are so high now that there are so many alternatives. If it was left to me I'd get rid of our Virgin as I rarely watch anything but Freeview.

    Awful about the whooping cough, there are some horrible bugs going around at the moment. Mr SA has been coughing for over a week now.
    Virtual Sealed Pot 2018 £296.07
    Debt £2400
    June 4 NSDs 4 AFDs
    Weight loss 0.5/6LBS
    Emergency Fund £2000/£10,000
    • Eager_Elephant
    • By Eager_Elephant 7th Jan 18, 8:52 AM
    • 4,404 Posts
    • 25,231 Thanks
    Eager_Elephant
    Do you have separate finances or joint EE? I would take that £80 from your DH wages.
    Originally posted by enthusiasticsaver
    We have had seperate finances since 2009, prior to that we had a joint bank account but because our outgoings were the same as our income we didn't get any personal spends money so DH used to use credit cards so he could buy himself stuff, then of course the minimum payments came out of the joint account leaving even less money for personal spends.

    We both pay a set amount into an account of mine which is designated for bills, the TV bill comes from this account so in effect I pay half of every bill. I didn't mind £68, although I appreciate it is a lot still but now it has gone up so high.

    DH did say that he would pay it from his own account as it is mainly him that watches TV, maybe I should pay £30 (nearly half of the old rate of £68) and he does the rest??? Hmm will have a think about this.
    Ninja Saving Turtle No. 17 for June
    NSD - 8/20
    (up to 16/6/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • enthusiasticsaver
    • By enthusiasticsaver 7th Jan 18, 9:08 AM
    • 6,609 Posts
    • 13,870 Thanks
    enthusiasticsaver


    DH did say that he would pay it from his own account as it is mainly him that watches TV, maybe I should pay £30 (nearly half of the old rate of £68) and he does the rest??? Hmm will have a think about this.
    Originally posted by Eager_Elephant
    I would definitely take him up on that. From what you have said he leaves all the money management to you and if you, like me, are not bothered about sky/cable then let him take it over. It must be in his name anyway if they let him alter the package. You could pay £30 towards it or make him pay more into the bills account to cover the increase.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • beanielou
    • By beanielou 7th Jan 18, 9:25 AM
    • 55,012 Posts
    • 219,618 Thanks
    beanielou
    I would take him up on it.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Seasidegal58
    • By Seasidegal58 7th Jan 18, 7:06 PM
    • 1,980 Posts
    • 12,240 Thanks
    Seasidegal58
    Agree with enthusiasticsaver and beanie.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    MONTHS TO RETIREMENT: 35!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Sun Addict
    • By Sun Addict 7th Jan 18, 9:15 PM
    • 5,832 Posts
    • 38,535 Thanks
    Sun Addict
    Agreed too
    Virtual Sealed Pot 2018 £296.07
    Debt £2400
    June 4 NSDs 4 AFDs
    Weight loss 0.5/6LBS
    Emergency Fund £2000/£10,000
    • Eager_Elephant
    • By Eager_Elephant 8th Jan 18, 8:58 PM
    • 4,404 Posts
    • 25,231 Thanks
    Eager_Elephant
    The EE household has an identity crisis, do you all remember my kittens???

    Well the first 2 we rescued were a boy and girl and as they are now 6 months we decided to get the girl spayed as her brother was showing some interest in her and she liked to roam outside at night and not come home. Well today was the day, so I took my girl cat to the vet only to be told she is a he!!!!

    Poor little boy has had a girls name for 6 months - he must be so confused!!!

    He is not able to be neutered as not sexually mature yet so have been sent away.

    It wasn't until I got to the vets today that I realised I hadn't asked the cost when I booked so it was just as well the operation was cancelled!!!

    Other than the above I am on a mission to not spend much money this month as I am back on the Ninja Saving Turtles challenge plus the food budget was spent over Xmas and the small remainder was spent on Saturday so am trying to just cook food we already have in the house so things could get interesting.
    Ninja Saving Turtle No. 17 for June
    NSD - 8/20
    (up to 16/6/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Seasidegal58
    • By Seasidegal58 8th Jan 18, 9:19 PM
    • 1,980 Posts
    • 12,240 Thanks
    Seasidegal58
    Oh well at least you saved some money!

    That happened with DD’s ginger kitten only the other way round. Took him to the vets for jabs and was told he was a she! Had to have a name change as well!

    Hope you rake up a few NSD days on the Turtles thread.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    MONTHS TO RETIREMENT: 35!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
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