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Snowflakes; Old Neck Injury Flared Up

August 4th, 2016 at 05:37 am

Challenge starting balance: $5,773.06
Plus:
- weekly EF savings $35.69
- football winnings $15.00
- fortnightly balance transfer payment $151.50
- repayment to B's credit card $180.00
- mortgage topup $174.21
Challenge closing balance: $6,329.46

We have a very spendy month in the bills department so this will be the majority of the snowflakes.

Weekly EF savings as usual, football game winnings from two weeks ago both went to the savings account.

My balance transfer credit card balance showed as $523.50 owing, which is less than the $614 balance there should be so have reduced the monthly balance transfer payment from $303 to $261.75, with $110.25 to be paid in the second fortnight of the month.

Next month by the end of the September I will have no credit card debt!!!!

What a turnaround from a year ago. Then in October I start to save for a new car (hopefully don't need to buy for a long time!).

I also have put $180 towards B's credit card debt and have added his credit card debt to my credit card debt paydown spreadsheet. We were able to afford the $180 payment due to his reduction in the car loan which he refinanced. According to the spreadsheet, his debt will be repaid in March 2018.

I then paid $174.21 against the mortgage principal (goal 1 on my sidebar). May mortgage interest was $563.61 and $89.40 had already been paid towards the interest. $263.21 - $89.40 = $174.21. We can't afford to pay two months this month, but as it is we should be into the $118000s next month which is good.

***

Non financial stuff (ok kinda financial): I am having my first sick day in 3-5 years today. Yesterday I hurt my neck (long running injury which flares up occasionally) and when I woke this morning could barely turn it to the right so knew I had to go to the chiropractors asap.

My sister lives a block away so I parked my car there, had coffee with her and got to see my toddler nephew; then went to the chiropractors.

As I am so stiff he could only work on me for about 10 mins, so I have to go back in 2 days time and in the meantime use Ice Gel four times a day. I booked a Saturday morning appointment, he said as for work to just play it by ear.

The charge for today was $64. Time to go put more Ice Gel on and watch a bit more tv.

7 Responses to “Snowflakes; Old Neck Injury Flared Up”

  1. scottish girl Says:

    That's awesome you will have no more credit card debt next month! Hope your injury is better soon.

  2. creditcardfree Says:

    I hope your neck improves quickly for you! Can't wait to do the happy dance with you next month!!

  3. VS_ozgirl Says:

    Thanks guys!!!

  4. rob62521 Says:

    Sorry about your neck. Hope it improves!

    Great on the credit card! Good progress!

  5. FrugalTexan75 Says:

    A stiff neck is no fun! I hope you're feeling better!

  6. snafu Says:

    Sorry about neck problem, interested in gel treatment. So different than what is suggested here.

    Totally off topic but I notice Melbourne is the # 1 Best place in the world to live! Wish I knew more.
    Our city made the list and we're all shocked. We see it quite differently, changes in the past few years have highlighted traffic gridlock in every quadrant early every AM.

  7. VS_ozgirl Says:

    Hi snafu.. The gel treatment is simply applying ice gel to the affected area four times a day- ice gel is pretty much the same as voltaren but was only $3 a tube compared to $13. It must be kept in the fridge to retain the cooling properties.

    Wow can't believe we're the most liveable city! We have good facilities but it is a fairly high cost of living. We do have bad traffic here also- to get to the city 30kms away on a workday by 9 you must leave by 7, which is ridiculous.

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