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Main site > Forums > Essential Money > Debt-Free Wannabe > Debt Free Diaries > My Diary v3.0
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    • By natsplatnat 4th Jul 14, 10:31 AM
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      What's this?

    natsplatnat
    My Diary v3.0
    • #1
    • 4th Jul 14, 10:31 AM
    My Diary v3.0 4th Jul 14 at 10:31 AM
    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
    Last edited by natsplatnat; 02-10-2015 at 9:28 AM.
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*


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Page 33
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    • By natsplatnat 23rd Feb 18, 2:25 PM
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      What's this?

    natsplatnat
    I do want the car - I don't want the debt... even to myself (or myself + OH!).I just don't NEED the car!


    Travel insurance sorted - I am covered if I travel with OH anyway, so have picked up a decently priced single trip policy (with cashback!).


    EHIC cards - very useful things to have!


    Our spin classes are in a room with banging music, flashing lights and UV lighting... the bit I like most is the way some of my gym gear glows in UV!


    Yay but boo to the phones!


    I think I need to get a handle on standard battle ropes before I try anything more adventurous! My upperbody strength is not the best - hate to think what I looked like the other evening!


    Having a flat day today! Oh well - weekend off work to look forward too (even if there's no chance of a lie-in tomorrow as we have a vets appointment!)
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*


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    • By camz2017 23rd Feb 18, 2:32 PM
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      What's this?

    camz2017
    I do not share the same view as you on EHIC, I think EHIC - another thing to lose. Oh wait already done that.

    Save up for the car, then look again. Your car is spinning around ok atm getting you A to B.
    BC 0/15305.83 MBNA: 0/11231.16 TESCO 0/822.87 LOAN 0/4272.67

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    • By camz2017 23rd Feb 18, 4:09 PM
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      What's this?

    camz2017
    On another note Nats, I know how much you love my sugary snacks. How great do these look?! I would totally buy these.
    BC 0/15305.83 MBNA: 0/11231.16 TESCO 0/822.87 LOAN 0/4272.67

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    • By natsplatnat 23rd Feb 18, 4:40 PM
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      What's this?

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    ha ha! We had some Fruit Loops (or something similar) at home over xmas.... £5 a box I think they were! How much are these bludgers?
    And NO - they don't look great at all!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*


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    • By camz2017 23rd Feb 18, 5:27 PM
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      What's this?

    camz2017
    Now you know why I am in debt Nats. I have an eye for quality products.
    BC 0/15305.83 MBNA: 0/11231.16 TESCO 0/822.87 LOAN 0/4272.67

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    • By natsplatnat 23rd Feb 18, 5:30 PM
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      What's this?

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    Not really been in a working mood this afternoon - so after doing 'what needed' to be done... I have spent time here.... http://uksnowmap.com/#/close Just loving the tw1tter feed on the RHS!!


    Happy weekend all - keep warm, it's going to get cold! x
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*


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    • By camz2017 23rd Feb 18, 5:31 PM
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      What's this?

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    You really have a thing for snow don't you lol!? Not get any snow as a kid, snow starved?
    BC 0/15305.83 MBNA: 0/11231.16 TESCO 0/822.87 LOAN 0/4272.67

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    • By natsplatnat 26th Feb 18, 10:16 AM
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      What's this?

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    I LOVE snow!


    Where did the weekend go? Was busy, busy! Kitties went for their pre-op assessment - they are there now for their op (vets had a cancellation!) Went into town, went shopping, watched the Rugby (wish we hadn't!!). Yesterday OH put the second blind up, I finally re-boxed all the xmas decs to go into the loft (more manageable now) sorted through the toiletries and then we did a tip run (honestly, we had a boot full of carp!) Then we went for a walk.... My face is red today so think I got wind burn! It was bloomin' freezing! Cooked a lovely roast last night - managed to burn my thumb though
    This week I need to locate a reasonably priced cat flap. It has got to be microchip activated and have a timer - but I do object to spending £80.00 on one!


    Snow watch in full flow here!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*


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    • By natsplatnat 27th Feb 18, 9:16 AM
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      What's this?

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    S n o w !!!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*


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    • By natsplatnat 28th Feb 18, 11:30 AM
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      What's this?

    natsplatnat
    Payday! Almost as exciting as yesterdays snow and todays ice!!
    Accounts checked and money moved around.
    Kitties are doing well after their op... bless them, they have both been sooo loving for the last couple of nights!
    Nothing else new or remotely interesting here!
    Waiting, some what impatiently for the snow to come back!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*


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    • By natsplatnat 5th Mar 18, 2:07 PM
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      What's this?

    natsplatnat
    Thought I would 'check-in' although there isn't really much to report...
    Really disappointed by the snow. The small amount of snow we had Friday afternoon came and went.
    The hunt is still on for a decent yet well priced cat flap.
    Credit card statement printed out and now needs checking - not due for payment until next week though
    Kitties have a vet appointment this evening - hopefully their last one for a while - didn't realising getting them neutered would be sooo time consuming!
    Withdrew balance from Pro.Ac. Accidently withdrew via paypal - which is annoying!
    £5.50 paid for 2 new tops and a pair of jeans - vouchers covered the rest.
    Fully stocked up on wine after a little trip we took with friends yesterday - approximate cost per bottle £2.85!
    And that is it!
    Hope everyone is good and had managed to dig themselves out of the snow... if they had any!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*


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    • By natsplatnat 6th Mar 18, 9:18 AM
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      What's this?

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    So I made the error of withdrawing from PA through paypal (which was annoying enough) - last night I went to log into the bank account linked to paypal to move the money over .... and my card reader has gone missing! FFS!! I'm not worried as it is in the house somewhere - I have a feeling I put it 'somewhere safe' as I don't really use that account.
    In better news, I found the lost card reader for another account - the card reader I cancelled and replaced in November last year!! lol
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*


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    • By kdalwayskint 23rd Mar 18, 11:33 PM
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      What's this?

    kdalwayskint
    Hi Nats

    Long time no speak!

    Glad to see you're still about. I haven't been on here for ages!

    All good on the money front here, we're saving to get married next year

    Catch you soon x
    Saving for Christmas 2019 ~ £37/£365
    Wedding Fund £1500/£1500
    Car Fund £408.60/£5000
    DFW Nerd #1155
    LBM 25/2/09 Debt at highest £8,037.35 now £0
    Credit Card £1680/£2500

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    • By natsplatnat 28th Mar 18, 1:49 PM
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      What's this?

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    Good afternoon All!
    Long time no write!
    Well, all is good here... Been away on the hen-do.. not as costly as I thought it would be... still feeling tired from it though. As a result there was a little more to move over to my car fund - that should be ready to pay out and clear my loan within a couple of weeks.
    In other news....
    council tax up by £7.00 / month
    V1rg1n up by £7.00 / month
    Water in down by £5.00 / month
    Water out down by £6.70 / month


    So almost balances back to zero increase!
    Also had a rebate from the water company of £50.18 (not sure why but not going to complain!)
    Pulled £36.something from TCB. There is a bit pending on Q.co - but only £2.73 and I can't be bothered at the moment.
    2 nights accommodation booked for the wedding we are attending in May - that will give us another £38 cashback after that.
    My car has to be service and MOT'd in the next 2 weeks. It also has another issue which it will need to go in for separately... but I have extended warranty for this exact reason. I don't normally do extended warranties but at £35.90 / month for 10 months (was £33.90 / month last year for 10 months) it is more than worth it!
    I think that is me up to date with anything remotely interesting. Oh, it is payday and everything has been moved around.


    Hi KD! Hope you are well? Ooh, saving for a wedding! EXCITING!! x
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*


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    • By natsplatnat 6th Apr 18, 10:28 AM
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      What's this?

    natsplatnat
    Morning All!
    A lovely, spring like day here today... the office window is open and the breeze is still a little chilly!


    My car is in the garage - has been there since Tuesday... I may get it back next week! Onthe up side I realised that it didn't need a service, so that is a couple of hundred pounds saved! On the downside, the garage do charge the maximum they are allowed to for an MOT... but as my warranty covers MOT items too, it could be worth it in the long run!


    I have a settlement figure for my car and I was going to pay it off today. However..... until the warranty man has inspected my car I do not know for certain that they will cover ALL the work that needs to be carried out, so I am going to delay paying the loan off for a few more days until I find out if I have to contribute anything to the repairs (shouldn't do, but you never know!)
    House-sitting for a week starting tomorrow. That would have gone in the car fund, but that will (hopefully) be gone by the time I get paid so it will go into my account to top up the extra I put toward clearing my car loan.... with me? Makes sense in my head (although I do feel like I am coming down with a cold and things are a bit muzzy!)
    Have withdrawn £35.00 from Q.co - that will head into the house account.


    And that is me up to date I think! Have a great weekend all! xxx
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*


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    • By kdalwayskint 12th Apr 18, 9:27 PM
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      What's this?

    kdalwayskint
    Hi Nats

    Wedding fund building up nicely here!

    We had been paying over our water bill, hadn't even realised so when this year's bill came through we've paid half of it already! I've adjusted the standing order and got the extra going to the WF. In January 19 any money that was going to the WF will be going to my car fund.

    It's so cold at the moment!

    Not much else to report here. Hope all ok with you
    Saving for Christmas 2019 ~ £37/£365
    Wedding Fund £1500/£1500
    Car Fund £408.60/£5000
    DFW Nerd #1155
    LBM 25/2/09 Debt at highest £8,037.35 now £0
    Credit Card £1680/£2500

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    • By natsplatnat 13th Apr 18, 9:46 AM
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      What's this?

    natsplatnat
    Morning!


    I'm in limbo at the moment waiting for confirmation that my car is fixed and all covered under my warranty.... I am assuming that as they haven't called me to discuss the price all I have to pay for is the MOT. I will speak to them today, and if it is all good, I will pay my car off. That is me TOTALLY debt-free then (never included the car fund in my debt as it is I classed it as an asset and worth more than I have outstanding on it!)


    Great news on the water bill KD!! Got to love it when things like that come to light! I love you have a wedding fund, a Christmas pot & a car fund running at the same time! Organisation is the name of the game! The weather is soo changeable here - Wednesday was lovely and sunny, it has been grey ever since with rain over night. Not sure I believe the reports of a Med-style heat wave up to 27'c next week though!


    House-sitting ends Sunday afternoon and I can go home YAY! Should be around £100 winging its way to me next week.


    With no more car payments, my pay rise and then an increase in my pension contributions.... as of May I will be in the region of £370 a month better off. That seems like an obscene amount of money! I do need to re-pay myself for topping up the money to clear my car loan.... I then need to look at what I am going to do with the rest! Don't get me wrong.... there is plenty that needs doing.... we need new sofas, new carpets, we need a new bed + mattress and so does DSS. Whilst we are doing that I also want to paint throughout the house (all bar 2 rooms!!) So, I think a 'make the house better fund' may be in order!!


    Have a great Friday all and enjoy the weekend! xxx
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*


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    • By kdalwayskint 18th Apr 18, 3:40 PM
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      What's this?

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    I ordered a wedding dress from the bay!

    It's arrived and I can't get the zip done up! I thought I was playing safe by getting one in an 18, I'm usually a 12/14! It wasn't one from China either!

    Operation get in the dress has started!

    On the car front, the company I work for has offered an insentive, you can lease a brand new car and after a certain period you can go on to own the car, from first impressions it seems a fairly good deal, includes servicing, insurance and maintenance, the money goes out of your wages before tax and NI is deducted. I'll have to look into it a bit more but it's an idea for next year when I start thinking about a new car again, can't believe I've had my car this long already!

    How you doing Nats?
    Saving for Christmas 2019 ~ £37/£365
    Wedding Fund £1500/£1500
    Car Fund £408.60/£5000
    DFW Nerd #1155
    LBM 25/2/09 Debt at highest £8,037.35 now £0
    Credit Card £1680/£2500

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    • By natsplatnat 19th Apr 18, 5:50 PM
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      What's this?

    natsplatnat
    Erm.... just paid off my car!!


    11 months early!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*


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    • By natsplatnat 30th Apr 18, 10:11 AM
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      What's this?

    natsplatnat
    Morning All!


    Happy Payday to me! I have been online, moved money around and tweaked my spreadsheet. Makes me happy on this awful weather morning!
    My increased pension amount went out this month. I kinda guessed at what the increase would be and I over estimated by £10 a month. I am going to let this new amount settled through my spreadsheets and then I may up it again (as I do need to play catch up on my pension!). Having this months payslip would be nice too!


    No more car payments though YAY!

    House-sitting money received last week too.

    Withdrew a few pounds from Q.co and TCB.

    Finally managed to get into my T5B account today too - All I wanted to do was move some money out... been waiting a week! lol

    Dress bought for my brothers wedding, almost half price! Just need shoes and a bag now! Need to sort a card and present though!

    Cat flap installed - now the little bludgers can come and go as they please during the day. Will be locking them in at night for now though. I won't sleep if I don't know that they are safe!


    KD - Oh no to the dress! I hope you solve the zip issue one way or another!


    Catch you all later! x
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*


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