Hi All!!
Well, here it is... "My Diary v3.0"
My previous diaries (don't panic, there are only 2!) can be found here....
http://forums.moneysavingexpert.com/showthread.php?t=1303349&highlight=
http://forums.moneysavingexpert.com/showthread.php?t=2961314
Today, my signature looks like this...
LBM
,- Wed 19th Nov 2008
£19,225
JAN 11: ONLY 170 0X £100 PAYMENTS TO GO *bank of OH @ 0%*
*A WORK IN PROGRESS!*
*2014 cashback pending £78.98, PAID £138.35*
(2011=£137.30, 12=£66.39. 13=£102.61)
Iceland fund £458.12/ 1000 EBAY £205.50
And I should be jumping up and down with joy as it shows that I have made my last payment of 170 x £100 to my darling OH (he lent me the money interest free to clear my debts!!).
But.... actually, that should be
But (coz its a big but) here I am starting a new diary on the DFW diary forum.
And that is because over the duration of my last diary (starting November 2011) I have re-borrowed £6862.26 from my darling OH! To be honest, he is sooo useless with money, that I could tell him tonight that I made my last payment to him today and he wouldn't have a clue whether that was right or not! (But he does know I have re-borrowed this amount.)
But that is not an option. Bless him, he even said a few months ago that I don't need to pay him back any more. But, this is my debt, I spent the money, and I will repay it... in full!
So, I am going to continue doing what I have been doing. Repaying £100 a week for the next 69 weeks. By my reckoning that puts my last (and I do mean last) payment as the 30th October 2015!!! GULP!
I do have a little plan though (from my previous diaries, you will note that I like a plan!). I am currently setting aside money for a trip to Iceland next year for OH's 50th birthday. £10 a week as a definite, an extra £10 a month from the reduction in my car insurance premium, all cashback earned and some account rounding-down. Target for this is £1000 by December. I am pretty much on track for this.
So, once this is done I am going to keep setting this money aside to bring my debt-free date forward. Minimum £10 a week, starting next year!
Oh, and I still running several spreadsheets! I honestly could not live without them!
So, there is my sin confessed - you have got me for a bit longer!
Feel free to pop in and keep me company! Nats x