Even the pennies help
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nic01_2
Posts: 44 Forumite
So it gave me great joy to finally close my Next account! So far the penny savings have me about £40 up which is going towards clearing debt. Got a rebate from Elec and Gas too! Paid £14 toward my capital one card today too, spare cash after the monthly bills :j
Ebay is well on the hit list and it's all adding up!
My head is finally not freaking out and I'm getting on my feet, albeit it slowly. I know i shouldn't wish away time but i can't wait till next January to feel free of 4 debt maybe even 5 if i really try hard.
I've been through absolute hell this past six months, its nice to see some light peeking through
Ebay is well on the hit list and it's all adding up!
My head is finally not freaking out and I'm getting on my feet, albeit it slowly. I know i shouldn't wish away time but i can't wait till next January to feel free of 4 debt maybe even 5 if i really try hard.
I've been through absolute hell this past six months, its nice to see some light peeking through
OD1 £1900 OD2 £500 Capital One CC £1411 Tesco CC 0% £2906 Tesco CC 0% £1927 MBNA 0% CC £1981
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So it gave me great joy to finally close my Next account! So far the penny savings have me about £40 up which is going towards clearing debt. Got a rebate from Elec and Gas too! Paid £14 toward my capital one card today too, spare cash after the monthly bills :j
Ebay is well on the hit list and it's all adding up!
My head is finally not freaking out and I'm getting on my feet, albeit it slowly. I know i shouldn't wish away time but i can't wait till next January to feel free of 4 debt maybe even 5 if i really try hard.
I've been through absolute hell this past six months, its nice to see some light peeking through
Well done, nic01 - these kind of savings are very important and really put you back in control of your finances! :TDMP since August 2011
DFD January 2018 hopefully sooner :j
Debt at start: £98769:eek:
Debt now: £24993:o
Paid back: £73776 :j
Taking it one day at a time:T0 -
They really do, for the first time in years I'm actually getting somewhere just wish i have done it sooner haha!OD1 £1900 OD2 £500 Capital One CC £1411 Tesco CC 0% £2906 Tesco CC 0% £1927 MBNA 0% CC £19810
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Good luck nic 010
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Well done, hey, everything helps, even pennies!
I feel like a million pounds when I find roadkill, and it all adds up ^_^Money owed [STRIKE](May 2016)[/STRIKE] July 2017 : Mortgage: [STRIKE]£83,775.72[/STRIKE] £80,189.95 Student loan: [STRIKE]£43000[/STRIKE] £38633.80 Family: £11500. :mad::eek::mad:0 -
Absolutely! I am in the lucky position that I became debt free a few years ago, but in January, I decided to open an account and transfer savings made etc into it to see how much it will total over the year. Up to now, it was simply part of my account and the amounts simply washed up in it.
So far this year, I have transferred the interest on my Santander 123 account, cash back rewards, the difference in my gas & electricity DD's (am lucky to have smart meters, so DD automatically adjusted) less the £5 monthly charge for my account and it comes to £130 approx. Got to admit, I was quite staggered at seeing the amount creep up.
I am not saying this to gloat, but point out that when you reach your debt free day, those pennies will still work to your favour, but in this case, will be nice treats.A smile costs little but creates much0 -
I can't wait to be in a position to put this money into savings. It have definitely made me consider my spending and debts going forward. I'm actually excited to be almost ready to pay off another one!!
Im quite motivated to get myself out the red as soon as i can!OD1 £1900 OD2 £500 Capital One CC £1411 Tesco CC 0% £2906 Tesco CC 0% £1927 MBNA 0% CC £19810
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