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    • Buffythedebtslayer
    • By Buffythedebtslayer 25th Feb 19, 6:01 PM
    • 15,553Posts
    • 52,955Thanks
    Buffythedebtslayer
    Buffy's 30 Month Plan
    • #1
    • 25th Feb 19, 6:01 PM
    Buffy's 30 Month Plan 25th Feb 19 at 6:01 PM
    Hello All,

    I have been here for a really time, got out of debt twice and then got in debt again! It is like a hobby.........a really crap limiting unsatisfying hobby!

    Currently I am 4841 pounds in debt, don't own a house and have about 1000 across very various accounts for insurance, Christmas, the Summer etc.

    In thirty months I aim to have paid off the debt, have 10,000 saved up - some in a help to buy ISA (6000) and some in various saving accounts.

    Ideally I will have more savings, but the 30 months is effectively 200 for the debt and 200 for the house, the debt will be paid off before that and then that gets saved somewhere.

    This will be achieved by August the 25th 2021.

    Well.
    That is it. There is the plan.

    Love Buffy XXX
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
Page 8
    • Buffythedebtslayer
    • By Buffythedebtslayer 13th Apr 19, 9:23 PM
    • 15,553 Posts
    • 52,955 Thanks
    Buffythedebtslayer
    Today I was busy outside of the house, which was good. But not for my plans.

    Must go to bed early today tho. Up too late means I don't get a good start on the day.

    And I really need to get a good start tomorrow. Going out shopping Monday and for drinks Tuesday. I might cancel the drinks. Day drinking is not a good look for me!

    I really need to figure out how to get in the shed. Lost the key. I tried bolt cutters but am not strong enough. Ugh.

    I think I might have to take the hinges off. Also need to build the guinea pig hutch. Am running out of holiday.

    Also money. I bought some paint stripper stuff last week but I don't think I will get to use it.

    Still cleaning and organising the crushing mess that is my room is a priority. Exam season is upon me/us and I MUST have a sanctuary.

    I must. My room at the moment represents my brain! Must be sorted. Will be sorted.

    XXX
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
    • Buffythedebtslayer
    • By Buffythedebtslayer 13th Apr 19, 9:52 PM
    • 15,553 Posts
    • 52,955 Thanks
    Buffythedebtslayer
    Have you got anywhere you could swim open water, Buffy?


    Or is there a pool near work?



    I might be up for a swim challenge as it's on my list of things too, just got a bit bumped with the move.





    Rosa xx
    Originally posted by RosaBernicia
    Totally missed this!

    No open swim places but there is a salt water pool I would LOVE to join.

    Nope. Just checked the price! 117 a month. SO no.

    I think it will be Monday nights and home for beans on toast for tea
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
    • Honeysucklelou2
    • By Honeysucklelou2 14th Apr 19, 1:16 AM
    • 1,558 Posts
    • 7,798 Thanks
    Honeysucklelou2
    117 a month for a salt water pool words fail me...
    paydbx2019 #93 572.38/10,100 .
    School trips 1016/1269..
    EF 210
    • Pooky
    • By Pooky 14th Apr 19, 6:34 AM
    • 6,867 Posts
    • 44,687 Thanks
    Pooky
    Blimey! That's seriously pricy for a swim! Our local hotel is 35 a month membership but only 3 a swim for non members (membership gets you swim/gym/towels and limited sunbed use. 3 when you fancy it is far more affordable, the pool isn't huge but the sauna is fantastic.
    "Start every day off with a smile and get it over with" - W. C. Field.
    • Sun Addict
    • By Sun Addict 14th Apr 19, 7:36 AM
    • 7,037 Posts
    • 51,078 Thanks
    Sun Addict
    Can't believe that it's 117 a month for the salt water swimming pool!

    Hope you get plenty ticked off your list today Buffy
    Virtual Sealed Pot 2019 201.59
    Weight loss 7.5/9LBS
    Emergency Fund 3260/10,000
    • Buffythedebtslayer
    • By Buffythedebtslayer 14th Apr 19, 10:43 AM
    • 15,553 Posts
    • 52,955 Thanks
    Buffythedebtslayer
    I started well,( up, washing on, dishwasher on, tumble dryer on, dogs walked, breakfast eaten but seem to have crashed.

    And yes the pool is hugely expensive!

    I am so anxious today. Really struggling. So much even the dogs are avoiding me.
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
    • beanielou
    • By beanielou 14th Apr 19, 12:03 PM
    • 62,688 Posts
    • 272,194 Thanks
    beanielou
    Sorry that you are so anxious today Buffster
    Keep plodding xxx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • Buffythedebtslayer
    • By Buffythedebtslayer 14th Apr 19, 1:45 PM
    • 15,553 Posts
    • 52,955 Thanks
    Buffythedebtslayer
    I cuddled guinea pigs and started on room. Am ok, tho coming downstairs it seems to be starting up again.

    Ugh.

    XX
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
    • beanielou
    • By beanielou 14th Apr 19, 3:06 PM
    • 62,688 Posts
    • 272,194 Thanks
    beanielou
    I cuddled guinea pigs and started on room. Am ok, tho coming downstairs it seems to be starting up again.

    Ugh.

    XX
    Originally posted by Buffythedebtslayer
    That is very telling xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • Sun Addict
    • By Sun Addict 14th Apr 19, 7:44 PM
    • 7,037 Posts
    • 51,078 Thanks
    Sun Addict
    Sorry to read things aren't great Hope things pick up soon Buffster xx
    Virtual Sealed Pot 2019 201.59
    Weight loss 7.5/9LBS
    Emergency Fund 3260/10,000
    • Buffythedebtslayer
    • By Buffythedebtslayer 14th Apr 19, 8:33 PM
    • 15,553 Posts
    • 52,955 Thanks
    Buffythedebtslayer
    That is very telling xx
    Originally posted by beanielou
    Sorry to read things aren't great Hope things pick up soon Buffster xx
    Originally posted by Sun Addict
    I think I just need to get my !!!! together.

    I did some more decluttering and do feel better. Can't get to my bed mind!

    Thank you so much. XXXXX
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
    • RosaBernicia
    • By RosaBernicia 14th Apr 19, 9:52 PM
    • 3,842 Posts
    • 11,518 Thanks
    RosaBernicia
    Sorry to hear things aren't great Buffy - hope your day got better. Please don't blame yourself - it's not just about you and your !!!!, you have other people's !!!! to be dealing with.



    Rosa xx
    Debt free May 2016
    MFW progress 6% ...
    Campervan loan progress 20%

    • Buffythedebtslayer
    • By Buffythedebtslayer 14th Apr 19, 10:18 PM
    • 15,553 Posts
    • 52,955 Thanks
    Buffythedebtslayer
    So I did some thinking an some maths.

    I really need to get on the PPI thing. Saving is going to take FOREVER.

    On the other hand I really want to go to Paris! 300 quid.


    Had a good chat with my best friend. Life is truly truly !!!! for all of us. Such a hard fight these days.

    XX
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
    • Scott-Weiland
    • By Scott-Weiland 14th Apr 19, 10:31 PM
    • 446 Posts
    • 1,037 Thanks
    Scott-Weiland
    Is there any triathlon clubs near you?? random question i know but they are good too ask re open water swimming 2 clubs near me use local reserviours but they keep it very hush hush x
    • Dorastar
    • By Dorastar 15th Apr 19, 9:12 AM
    • 1,996 Posts
    • 16,135 Thanks
    Dorastar
    Just been reading through your thread for the first time Bufffy, am also in education but smaller ones and it's very hard atm. I always plan in 'teacher's weekend' at the start of any hols, a couple of days when I either go away immediately (rarely) or have PJ days and very low expectations of myself as I need to crash after a long term.
    Also with you on the tidying, only our downstairs loo is tidy enough for a visitor to see atm. Hope you manage to get a few things done today, but not too much, your body and mind still need to relax.
    Mr T 11420 Bank 1100 Mortgage 160,000
    Emergency Fund 1000 Blanket squares 33/60
    3monthfund 5842/4737
    • RosaBernicia
    • By RosaBernicia 15th Apr 19, 8:35 PM
    • 3,842 Posts
    • 11,518 Thanks
    RosaBernicia
    Is there any triathlon clubs near you?? random question i know but they are good too ask re open water swimming 2 clubs near me use local reserviours but they keep it very hush hush x
    Originally posted by Scott-Weiland

    Also Outdoor Swimming Society fb group.
    Debt free May 2016
    MFW progress 6% ...
    Campervan loan progress 20%

    • Buffythedebtslayer
    • By Buffythedebtslayer 16th Apr 19, 10:22 AM
    • 15,553 Posts
    • 52,955 Thanks
    Buffythedebtslayer
    I think I will stick to the local pool if I go.

    I think it might be time to go to the doctors. I came to the horrifying conclusion that I am better off at work. Being off is hard. Too much to do and fix and I can't do it. At least at work I can do something, be useful. Here it is just misery.

    I am lonely and cannot cheer up.

    XX
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
    • Buffythedebtslayer
    • By Buffythedebtslayer 16th Apr 19, 10:39 AM
    • 15,553 Posts
    • 52,955 Thanks
    Buffythedebtslayer
    Applied for PPI for a couple of banks.

    Tidied up the dog area. Need to do the hall next.
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
    • crazy_cat_lady
    • By crazy_cat_lady 16th Apr 19, 10:49 AM
    • 4,667 Posts
    • 40,607 Thanks
    crazy_cat_lady

    I think it might be time to go to the doctors. I came to the horrifying conclusion that I am better off at work. Being off is hard. Too much to do and fix and I can't do it. At least at work I can do something, be useful. Here it is just misery.

    I am lonely and cannot cheer up.

    XX
    Originally posted by Buffythedebtslayer
    I think a chat with the doc would be a good idea xxx
    NST April #11 nsd = 12 1 debt vs 100 days #5 553/553 Pay all your debt by Xmas '19 #56: 997.60/5750
    • Buffythedebtslayer
    • By Buffythedebtslayer 16th Apr 19, 11:24 AM
    • 15,553 Posts
    • 52,955 Thanks
    Buffythedebtslayer
    Yeah. Have suggested to Mum we start swimming on a Monday. She is just as miserable as me really.

    Have to collect a letter for my sister so will make an appointment.

    I don't want to feel like this.

    Put in another PPI complaint. Fingers crossed.

    XXX
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
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