F I V E

Wow the year is really racing now - blink and you miss it!
I can't believe I have only one more payment for my taxes and then then next four weeks are all savings towards my two month trip home. I will not make the tax payment until the end of next week (the first week of December)..... gosh so much to do and so little time. I need to sort out my summer wardrobe and also get rid of some of the stuff I have collected in the last twelve months, books, DVD's, CD's and lots of papers.
Can't wait to get home - it's been two years since my last trip and my younger brother has got sleeper all set up for me on his new property (10m or so from the house so my music want both anyone). He's now got about six acres of land with a large house, a barn and out houses so I can't wait to see what my little pad is like. He also has eight boxes that I posted over from the UK two years ago and up the road from him my sister has a whole bunch of my stuff too. So I have lots of sorting out once I get home. Can't wait!!
My plan is to come back to the UK in March to work but I have an invitation to a Bar Mitzvah in Israel in March too so I need to find out when in March that is (hopefully at the beginning of the month) or I may not be starting work till about April.
I have my cash in my purse and have hardly used my debt card at all this month all - my £5 a day spending plan is on track and I have money in my current account (even if I know that it's going to pay my tax bill). I just love all the little "cr's" that appear next to all my account balances.
While I am away I need to make sure that there is money in my account to cover all my direct debts which amount to about £140 a month, so that will be about £400 I will need to set aside. I have finally come to the end of my Orange phone contract (never again!!) and I think that another payment of £10 monthly for a saving plan is maturing shortly too. So that will bring down my direct debt monthly total.

Life is good!

S E V E N

Winter has arrived and the weather is filthy - along with the end of daylight saving, it is enough to drive anyone to online shopping right? So... okay I haven't gone out of control but I have clocked up some debt on my (one and only) credit card. I will clear it this coming week when my pay check clears but that means a little less to go towards my up and coming income tax bill due at the end of January.
Can you believe it, I have gotten to the top of the mountain and with the weather as bad as it is in the current economic climate the view is not so great today, but regardless I have reach the peak which is the goal I have been working towards with this blog. My current finances are all taken up with paying my current tax bill and rates bill both however are not yet due for payment. Has the simple truth really got to me that I don't have any debt? My credit card is not a problem and I will clear it again on Thursday and still put a few hundred towards my tax bill but other than that I don't owe anyone anything. I have bucked the trend and the average figures for personal debt no longer apply to me.

I AM DEBT FREE!!

So the game plan all changes and I have to set out my new goals (I shall have to read back on some of my old blogs as to what I was thinking of then and review what is happening now). I have a two month holiday planned for the first two months of 2010 and after that I don't really know what is happening with either work or even where I will be. I have said I will come back to work in March 2010 but the job may no longer exist by then.

Between now and then I have only seven pay days left till the end of the year and because of my spending online have less to take home with me for spending. Still even if I only have 75% of my tax bill paid in advance it will be not so bad as the interest rate is very low and I will only be changed no more than three months interest on the 25%.

My challenge now is to stay out of debt.