Cha-ching.

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Day 28: money. #febphotoaday #photoadayThis month I began the process of moving more of my finances (read: debt) to the UK.

Thanks to a new line of credit, I’m thrilled to say that I’ve now paid 19.4% of my NZ debt off in one fell swoop, and although the debt itself is not wiped from my life, but is now in the UK, I love that I can regularly pay¬†against it with a simple online transfer, instead of using a service and¬†sending¬†home once a month.

I have a long way to go (obviously paying off the other¬†80.4%!) but it’s a small step towards getting rid of this rather large anchor that has been weighing me down.¬† My credit rating in New Zealand must be truly abysmal, as despite how well-prepared I am, sending money home¬†can be¬†a troublesome and arduous process, even with the excellent help of Tranzfers, the company I’ve been using to send money back for the last 3-and-a-bit years (highly recommended!).¬† Sometimes payments just don’t make it when I plan them to, and I know that is not good for my future, especially if I want to buy a house at some stage in my home country.

But thanks to 13 months of interest-free purchases, it looks like I’ll be able to continue sending this kind of money home to New Zealand for a few more months to pay off the debt there, then spend¬†the next 12 months¬†paying off the UK balance, and not suffer too much for it.¬† It looks like I’ll be officially (well apart from¬†my usual small¬†overdraft) debt-free by my next birthday!¬† How liberating.

I’ve also been using this shiny new card to get Dave sorted for police college/training which he starts in just over 2 weeks(!).¬† I am amazed at how the time has flown, and we are getting excited for his new career.¬† He now has new running shoes, parade shoes and boots, and receives his uniform on his first day (can’t wait to see him in it!)

And in just over 6 weeks, he will be paid!¬† Like, a proper, real salary!¬† It will be 2 weeks shy of 1 year of using¬†my salary (+ his temping work/benefits) to support us.¬† To celebrate, I have already¬†used the card to get some clothes, some tickets to the Edinburgh Tattoo (it’s the 4th year I’ve been around to see it, and I’m not missing it again!)¬†and a new watch.

We hope to start our travels to Europe next year, and will try and plan a weekend away in Scotland before the end of the year.¬† I’m thinking we might go camping!

But for now, I must be good. On Friday it will be 13 weeks until I head home, and I’ll be saving my shopping/spending fun until then.¬† I’ll be very busy for the next 8 weeks with shows, and then suddenly it’ll be nearly time to go home.¬† I can’t wait to see everyone.

 

…xxx
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