Debt Free By 2019?

Made it through my half of my checklist nice and quickly!
1 - the SO's are all set up now for savings
2 - Have researched and Hfax let you take in old £1 coins to pay into your account
3 - trying to get hold of bank online to ask about statements :mad:

I have also worked out that once everything is paid (and the two debts completely paid) my total will be £3387.50, which will be £1286.50 less than when I started. At the end of April with that wage, it will drop down to £3092 which is £1582 less than when I decided to start the diary!

Things will progress quicker once the end of April has gone - with the lack of driving lessons and other things that have come to an end (distance learning course etc) I have a fair amount of income leftover but that will have to be used for a hefty first instalment on car insurance although, having said that, I have just run a test quote on a Clio, and the top (monthly) quote it's showing me is £183 upfront then 10 instalments of £120.

I was previously looking and it was showing me a best offer of £500 upfront and £80 a month. Admittedly, its more money per month after the first instalment but the first instalment is also over £300 cheaper. I'm trying not to think about it too much as it's still around a month until my test, but there's no guarantee I'll pass first time anyway.
If i did manage to get a real quote like that, £120 a month would still leave me around £500 that I could put towards debt repayments each month, less the cost of petrol.

I could definitely be debt free well before the end of the year with that much left over. So easily. As it stands, if I kept on paying exactly what I pay now, no changes at all, my estimated totals at the end of December would be:
CC - £225 (probably less when the interest reduces with the total reducing but this is worst case)
Loan (OH & Nan) - £42 (I currently pay my OH £71.50 til Feb and my Nan £50 til end of Oct so two payments would be just towards my OH @ £121.50
Old Debts - £44
Overdraft - £534
Presents Pot - £180
Car Maintenance etc pot - £180
EF - £300

Well, not much to report this morning it's kind of just the wait until the end of the month now...

The only thing I am waiting for is the 18th when my phone bill is generated to a) check my £60 credit is applied and b) whether it will come off of the total bill or just the tariff etc. Fingers crossed for total bill as that £60 is earmarked for my car fund! Left my purse at home yesterday so that I wasn't tempted to walk into town, but did end up spending £3.00 on the way home with my OH as I was a bit unbearable yesterday on top of a rubbish day he was already having so I got us a couple of drinks from McD's on the way home and did the pile of washing up etc when we got in too.

Tonight we are taking two of my family out for dinner at a Turkish restaurant as they treated us a while back, but OH isn't letting me pay for that so I'm looking forward to a nice meal out without worrying about where the money is going to come from. I have OH's CC's and he has done remarkably well at getting through the month without using them for random spends.

I had a small bid on one of my items for sale this morning so at least 1 out of 4 will definitely sell, had a message about a bracelet on there too and it now has a watcher so that should go too :j

So what's on my to-do list for today? Very little
- go to m-pig and pick out an anniversary card for my parents to incorporate into my budget
- attempt again to find out why I can't view my closed account statements online when it says I can
- put holiday form in for my driving test date
- keep an eye out for surveys :j

riotlady wrote: »

Sounds like a good day! I'm also pootling at home keeping an eye out for surveys

I never seem to come across that many in the daytime, I do seem to have better luck early morning or in the evening if I'm not busy and have the time to look. Annoyingly most of my free time on a computer is in the daytime :rotfl:

Happy Friday everyone!

Dinner last night was amazing - but it was not a cheap deal for my OH which he doesn't mind but the family we took out will be taking us out again to cover the big difference in bills for the two meals :rotfl: so that will be nice!

Been browsing around on TCB this morning - forgot to mention that I managed to find a just below 8% cashback offer on m-pig yesterday which I used for the cards. Found the car insurance company that continually shows me the cheapest quotes when I do test quotes, and they are on there with £48 cashback for taking out a policy - trying to plan everything ahead so that when (trying to say when and not if!) I pass, I can just crack on with sorting everything out.

I also had an email from Sburys today about doing surveys in return for points - not massive amounts but it all adds up so did a few of those. There was a interesting sounding £2.50 survey on PA but I'm at work so can't do it as it requires headphones to do the survey - a big shame as I do enjoy those kind of ones.

I have a strong desire to get up to 100 posts today :rotfl: so will do less lurking and more chatting :rotfl:

My nan is taking me out for lunch today (we do this once a week as lately it seems to be the only time we can catch up). If it wasn't for the milk and sugar I got this morning today would be a NSD but it's only £1 and I cannot manage without my coffee!