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Goals for 2018

December 31st, 2017 at 12:30 am

I wrote out a long entry, but I forgot to copy it and I lost it. Anyway, here's some goals.

Financial

1. Beginning February, pay 125 to 0% card. (also check how many months I didn't pay 125 - I think it's 5)

2. Continue to track spending. Review once a week, since I seem to lose enthusiasm as time goes on after payday.

3. Save for Christmas - adding in saving at butchers and asda too. Ideally, I'd love for all of Christmas spending to come from saved money. (Money usually budgeted for food could go to debt. That would be amazing)

Health

Have 1-2 Complan a day, as per dietitian's request.

I think that's all.

Double Digits

November 10th, 2017 at 05:44 am

The catalogue is sitting at 95.50. There's only one more payday left for this year, so it will be gone early January. Then I'll put that money towards my credit card.

There's 18 months left on my loan.

Went shopping this morning. Spent 51.xx although 9.99 was a Christmas present and 5.98 was on thermal socks, so not too bad actually. I've meal planned for the week.

On Monday I'm going to start wrapping what I have in so far.

Kids are going to see Santa at the end of the month, although I paid for it last pay.

Payday

September 17th, 2017 at 09:49 am

It was payday on Friday. I paid 71 to my only credit card - the new 0% offer. If I want it cleared in 25 months, I have to pay 126 each month, so I'm 55 short, not good. Once the catalogue is clear - it's at 195 now after Friday's pay3, I got the figure wrong - I can use that money.

I downloaded all of Swagbucks' mobile apps. The plan is to redeem for PayPal gift cards then put that towards hubby's credit card. It's taking ages though. I have redee0one 10PP so far. I actually think I'm going to need a separate phone, just to run the apps.

Update

September 3rd, 2017 at 12:01 am

I transferred my remaining credit card debt to another 0% deal. Hopefully it'll be gone in 25 months when the deal is up. I can try, anyway.

We're in the process of switching utility suppliers. Should be sorted by next week. I'm hoping this will save us some money.

The catalogue is at 205. It should be gone by Christmas (fingers crossed)

Debt Snowball Plan

May 11th, 2017 at 12:32 am

Payoff catalogue #1: 75.02 remaining
Send payment to catalogue 2: 440.xx

Hopefully by August this will be gone and I can focus on my credit cards. I'll start with the smaller balance first, which is cc1. Then, finally, credit card 2, which has 2k on it.

The interest free period for cc1 finishes next month. However, the catalogues are higher interests and smaller balances, so I'm choosing to focus on them first.

Hopefully I'll be debt free by the end of 2019.

Cheque

May 3rd, 2017 at 10:20 pm

I deposited the cheque from my utility company. It was for 9.53. I paid the same amount to the catalogue, the balance is now 75.02.Once this is gone, I'll put that payment towards the other catalogue. Then, finally, towards my credit cards when both catalogues are gone.

I went into M&S for a look, and left 20.80 lighter. I only had one bag. This is me who was trying not to spend a lot on food shopping this pay. I got us a Summer meal for two for 7.00 and we really enjoyed it. I guess a treat is fine once in a while.

Payday

February 3rd, 2017 at 12:36 am

Not much to report as I've only just paid the catalogues. I paid 147 to the smaller balance. Catalogue Debt is now 819.06. I'm looking forward to getting rid of this!

Eek!!!

January 16th, 2017 at 01:08 am

Well my Monday morning is officially going well: I just signed on to check hubby's catalogue payments for next pay (they always update about now) and one catalogue is in the three hundreds!! I never expected that! It's obviously because I just paid off the final ever Buy Now Pay Later item, and they've deducted the interest that was already added to the account. I'm so happy. It's a couple of hundred less to pay off.

In other news, I have to come up with a meal plan for the rest of the week. Yesterday I had to buy milk and I ended up spending 7.xx on reduced stuff too (including salmon for 1.25 and a cheesecake for 62p). We're having soup or leftover lentil casserole for lunch.

Uber Frugal Month

December 30th, 2016 at 05:50 am

I just found out about this yesterday from Debt-free-by-33, so, unlike her, I haven't really had time to prep but I'll be giving it my best shot.

I've got a couple of challenges, namely a joint kids birthday party so I'll need to get a gift, eating out (spent 99.xx this month although that does include treating my mum on Christmas Eve and eating out in Edinburgh when we were there) and I desperately need to buy a washing machine filter.

Other than that, I'm going to do my best to have an Uber Frugal Month Smile

Goals for 2017: Vague

December 29th, 2016 at 12:52 am

I need to make these more specific, but right now, I'm thinking:

1. Payoff BOTH catalogues (1303.50) - I'll be ECSTATIC!! even though they're not in my name

2. Continue to pay credit cards and get another balance transfer

3. Save up for a holiday

4.Cash only Christmas (and birthdays too)

Also, work out how to kit us all out for two weddings next year. And buy J his first bed.

Cash is King

December 9th, 2016 at 06:58 am

It's been over a month now, I think, that I've been withdrawing cash for shopping. I think it's working out.

Speaking of cash ruling, it's my answer to everything when hubby suggests we need something. "We need to save up for it"

My phone has gone AWOL. It's been a week. I know I lost it at home but I can't find it anywhere. I'm ready to give up.

Told hubby I want to be done with one of the catalogues by this time next year - really I meant halfway through the year, ideally both will be gone by December 2017 - so I can focus on my credit card debt. Both 0% offers end next year.

Phew

October 19th, 2016 at 04:53 am

I think this is my first update this month. I never leave it this long normally. Things have been busy.

I've been spending a lot of time the past six weeks or so, working on a hobby, I guess you could call it that? I'm being optimistic and hoping that I can turn it into a career within the next year or so. I need to do some studying first, amongst other things.

I cancelled Amazon prime yesterday. I barely used it during the free trial. I barely had time to watch my usual programmes never mind adding more to my list.

Hubby joined something, I'm not sure exactly what it is. Anyway, every month he gets a 5GBP Amazon voucher. So that is sitting in my Amazon account now. It's something to do with tv or something. If I can make myself do a swag bucks survey I could get another voucher, for ten pounds I think.

Got the kids Halloween costumes. Spent less than a tenner.

I have one more BNPL item left to pay off. The catalogue keep trying to tempt hubby with offers but they're so bad. Also, he's not allowed to. He's banned.

I need to pay for nursery photos soon. We never got them last year, we just kept the little copy that they gave us.

I think that's all.

Payday etc

September 18th, 2016 at 12:36 am

Yesterday was payday. Nothing exciting. I paid both catalogues and the last of one of the Bnpl items - a hoover- that hubby bought this year. Just one more item to pay off now.

I've updated my sidebar. I'm hoping that by June 2017 most of the catalogue debt will be gone, and I can put that money towards my credit card. Hopefully I qualify for another 0% card, but I'm not counting on it, just in case.

Husband switched bank accounts a few months ago. We were both rewarded 100. I've transferred mine to savings (holiday fund). Need to sort hubby's PIN before we can transfer to my bank, then to savings. He's lost it. I told him that I'm really going to have to save if we want to go *anywhere* in February. Nothing will be going on a credit card (only if hell freezes over, or pigs fly).

SG's is a great consumer. She keeps asking for every single toy she sees. I told her we'll be writing a list for Santa. J, thankfully, is none the wiser.

Making Changes

September 15th, 2016 at 01:34 am

I've had to change the amount I put into savings. Well, as of Saturday it will change. I've decreased it by 18gbp; I'm now saving thirty pounds each pay period (Four-weekly) I still dream of paying back the money I withdrew this year - that's why I increased it in the first place - and having five hundred pounds in it, but hopefully next year.

Paying Hubby's credit card each month has added to the budget (thirty something pounds). I hate withdrawing from savings so I thought it made sense to decrease it.

In other news, hubby's birthday is fast approaching. When I got him the tv from my rewards in April/May, I said no presents on his birthday since that is a big enough gift. As it turns out, I've bought him a game he wanted and a book. I'll be making a cheesecake too. I'm going to get SG to help bake the cheesecake and blow up some balloons. We might get a takeaway, I'll see.

The New Plan - sort of

September 5th, 2016 at 07:13 am

From now on I'll reward myself at certain milestones (not sure when). I'll need to think of something that doesn't involve money - or a lot of it.

I'm also going to start breaking my goals into smaller steps and just focus on that. Aside from debt repayment, I want to get a new job and gain weight.

Ok, I think that's all. Just short and sweet to get this on paper, so to speak.