Gosh it has been a while since my last post. I have just been reading my old blogs and laughed at the Northern Rock loan which I applied for, they said no and wow what a mess they are in today. Not that any of it relates to me or the fact they turned me down. They were probably turning everyone down.
Well my current debit totals £13,816.15 as of the beginning of the month, which I felt is good but the going is so slow. I want it finninshed already!!
I should have cleared my HSBC card by now (I transfered most of it's balance to my Halifax card to get the reduced interest rate) and even had a reminder emailed to me to have had done it. But my spending gets out of control on my day off. Thank goodness I only get one day off. So have decide to try the cash only spending idea last week and it all went quite well. I did take my debt card with me but only used it to get £10.00 on my phone. So £10.00 over my £50.00 spend limit wasn't too bad.
This week I am off to London to have an early lunch with a friend and hope to show the same restrant.
The 10-10-80 plan has been shelved to the time being, as I want to make sure I am putting enough aside to pay my tax payment upfront in January. Currently I have over £800.00 in that account and will have a thousand by next week. Wish I could use the money to clear my HSBC card but I can't.
I don't know if I will make my target DFD of October, looks like it is morely likely to be January 2009. But I will keep working on it and see if I can get back to that date.
One new thing I have started doing is reading up about finance and money etc. I took the book Rich Dad Poor Dad out of the libriary and it was a real eye opener to me. Since then have gotten quite a few books out about finance and the stock market in my thirst to know more about the money/finance, an area of education I am greatly lacking in.
From this I have been looking at opening a share ISA possible with the Halifax as they have a sharebuilder scheme that accepts as little as £20.00 a month. This would be a long term saving plan - more study is needed.