On a Mission

Mummy_bear · 23 October 2017 at 4:25PM

AdventureWanted wrote: »

Hi, I need to get back into reading more too, but it’s not always that easy to find the time. I set myself a goal of reading 30 books this year, but I’m only up to 17 so far. Have you used the goodreads app? It’s a really handy way to keep a track of what books you’ve read or want to read and it gives recommendations for similar books you might like.

I used to use it quite a bit. Must get the app again and start tracking my reads

enthusiasticsaver · 23 October 2017 at 4:53PM

I have read The shock of the fall and Behind closed doors. Both great books.

I am on a similar challenge in that I have two large bookcases and due to space restraints have had to get rid of one. I donated a lot of books to charity shop but am gradually going through the rest as loads I have either forgotten plot or never read.

Mummy_bear · 27 October 2017 at 5:37PM

October goals

1) To pay a total of £1000 off debt
£1076.47/£1000 :j

2) To get £700 in the EF
£700/£700:T

3) To list 10 items on Ebay
10/10 :T

4) To earn £40 from surveys - only payable to count
£40.06/£40:T

Totals as of 27th October

Lloyds CC £1093 £200 paid off
MBNA CC £3935
Barclaycard CC £2167.64 £12.26 paid off
Tesco Loan £9586.8
Santander Loan £6217.95
TV -DH purchase £569
M&S Loan £7600.4 £155.12 paid off
Bicycle finance £75

Total debt as of 29th September - £32322.28
Total debt as of 8th October - £32284.78
Total Debt as of 13th October - £32113.65
Total Debt as of 15th October - £32107.49
Total Debt as of 16th October - £31739 (nice round figure:o)
Total debt as of 20th October - £31612.19
Total debt as of 27th October £31244.81

Total cleared since 1st October - ££1076.47

Emergency Fund total - £700/£1000

DH got paid back from a mate so was able to put a little more towards the Lloyds CC debt which is his.

Hit all targets for this month with a few days to go. (Except my reading target - feel behind..Arrrgghh)

Will update the reading target later

Ordered and paid for my Turkey crown for Xmas. I've used the same amazing butchers for years now and will not budge on this expense. Although I believe £45 on a turkey crown wrapped in bacon to feed 6-8 people, along with 20 pig in blankets and stuff meat is a great deal. Oh my belly is rumbling!

Been trying to sort out my car insurance and having issues with the insurance site.
I can't get better than last years deal - I think because my credit rating has taken a hit this last 6 months from moving debt around and taking out a new CC for 0% deals.

Hopefully next year will be better.

Anyways I must be off to sort tea out

MB

DrSpendLittle · 27 October 2017 at 6:08PM

Agree completely on meat - I always buy what I call 'good' meat / eggs i.e. butchers or organic / free range. I find it goes so much further because it's better quality and you need less per portion. I'm more than happy to admit spending £2.99 on 6 rashers of back bacon, £5.50 on 2 organic chicken breasts and £4.38 on 500g of organic beef mince :rotfl: Not very MSE

wishingthemortgaheaway · 27 October 2017 at 6:19PM

Mummy Bear. Fantastic debt busting.

DSL- I can beat you on the bacon : £5.95 for 400gs (subscription service, it's awesome. )

Mummy_bear · 31 October 2017 at 7:53AM

October goals

1) To pay a total of £1000 off debt
£1141.47/£1000 :j

2) To get £700 in the EF
£700/£700:T

3) To list 10 items on Ebay
10/10 :T

4) To earn £40 from surveys - only payable to count
£40.06/£40:T

Totals as of 31st October

Lloyds CC £1093
MBNA CC £3935
Barclaycard CC £2167.64
Tesco Loan £9586.8
Santander Loan £6217.95
TV -DH purchase £504 £65 paid off
M&S Loan £7600.4
Bicycle finance £75

Total debt as of 29th September - £32322.28
Total debt as of 8th October - £32284.78
Total Debt as of 13th October - £32113.65
Total Debt as of 15th October - £32107.49
Total Debt as of 16th October - £31739 (nice round figure:o)
Total debt as of 20th October - £31612.19
Total debt as of 27th October £31244.81
Total debt as of 31st October £31179.81

Total cleared since 1st October - £1141.47

Emergency Fund total - £700/£1000

October has been another successful month. Very happy with the progress and definitely on course to getting below 30k by the end of the year and to say we've had a couple of bumps along the way I'm very happy with what we've achieved so far.

Thinking ahead and to November goals I will be increasing my Ebay target. I found myself not bothering to list more because I'd already hit my target of 10!!
Anyway this coming weekend DH is going to go through his shed. An aladdins cave of tat!! There may be some items worth listing in there :rotfl:

MB

wishingthemortgaheaway · 31 October 2017 at 7:58AM

An exceptional month.
I love end of the month round ups and start of the month target settings.

Can you kick the bicycle finance into the long grass next month? Only £75 to go.....

Mummy_bear · 1 November 2017 at 6:56AM

wishingthemortgaheaway wrote: »

An exceptional month.
I love end of the month round ups and start of the month target settings.

Can you kick the bicycle finance into the long grass next month? Only £75 to go.....

Thank you.

With the bicycle finance that is DHs. A payment is due in the next few days and then the final one at the beginning of Dec. He's had opportunity to pay it off before but he'd decided to keep it as is due to it being interest free and concentrated on paying off other debts. I also think he's lost the paperwork and he's too lazy to look for it to try and settle it early :rotfl:

wishingthemortgaheaway · 1 November 2017 at 8:26AM

Mummy_bear wrote: »

Thank you.

With the bicycle finance that is DHs. A payment is due in the next few days and then the final one at the beginning of Dec. He's had opportunity to pay it off before but he'd decided to keep it as is due to it being interest free and concentrated on paying off other debts. I also think he's lost the paperwork and he's too lazy to look for it to try and settle it early :rotfl:

Well at least he lost the paper work on an interest free debt and... you know you've got a win in December when it's paid off completely.

Mummy_bear · 1 November 2017 at 5:22PM

images?q=tbn:ANd9GcSkowgizVX8-rKFVgcoiqEsNMmbZpLVQHs5ydPM4TWqs6VwGETK

November Goals

2) To pay a total of £1000 off debt
£37.5/£1000

2) To get £900 in the EF
£800/£900

3) To list 15 items on Ebay
0/15

4) To earn £50 from surveys - only payable to count
£0/£50

These are my new goals for the month. I've increased by Ebay listings to 15 to encourage me to get things listed.

I've also increased by survey earnings to £50. The reason being I've already got £26 ready for cash out in PA so wanted to aim higher.

Totals as of 1st November

Lloyds CC £1093
MBNA CC £3935
Barclaycard CC £2167.64
Tesco Loan £9586.8
Santander Loan £6217.95
TV -DH purchase £504
M&S Loan £7600.4
Bicycle finance £37.5 £37.5 paid off

Total debt as of 31st October £31179.81
Total debt as of 1st November £31142.31

Total cleared since 1st October - £37.5

Tantalisingly close to getting under 30k

MB

On a Mission

Comments

Categories

Get our FREE Weekly email full of deals & guides - and it’s spam-free