Debt Free Determined!!!

A whole month since my last update, where is the time going?

Well in the last month I have managed to get into the £9k bracket which feels like massive deal going from 5 figures to 4! I've found myself spending very little lately, thankfully. Must be all the good TV and bad weather making me stay in.

College is going well, I have my first mock test later, I'm really trying to aim high and get distinctions in my exams. I don't want to get my hopes up aiming so high but I wasn't very motivated throughout school and I feel like this is my chance to make up for that.

Slimming World also going well and I'm 1 stone 2 and a half lbs down since joining 5 weeks ago. It involves SO much time cooking from scratch though and also spending a pretty penny on food!!!

UPDATE 17/10/17
CC 1 & 2 - £4610.00
Overdraft - £2120.00
Car Finance - £2901.18
17/10/17 TOTAL £9,631.18

(05/09/17 TOTAL £10,814.02)
(09/08/17 TOTAL £11,630.91)
(03/07/17 TOTAL £12,311.84)
(31/05/17 TOTAL £13,173.79)
(07/03/17 TOTAL £ 14,879.52)

7 months since I last posted where has the time gone?!

I'll get the bad news out of the way, credit card debt has increased since I last posted by about £2k.

Let me try and justify it :rotfl:

In the past 7 months there has been;

- 2 holidays (one for a hen do, one for a birthday..don't get me wrong had a lovely time for both but I just want a nice holiday, to a destination of our choosing with my other half)

- Bought and moved in to our very own home

- Paid for 2 hen do deposits for 2019 (thankfully both in the UK)

- Completed my first year of studies with a distinction (97% - first time I have EVER succeeded in anything)

- Started my second year of studies (now self funded, distance studying as its about a third of the price, paying in monthly installments to avoid adding to debt. Did buy a laptop for studies on my credit card though so there's £1000 of the £2k increase)

- Closed all credit card accounts bar one. I had more than my annual salary available in credit over 4 cards and I CANNOT be trusted.

- Bought and paid for new windows for 6 windows to the first floor of the house (we're working on upstairs first, currently living downstairs)

- Booked a holiday to Florida in February 2019

- Got my payrise last week to reflect my qualification acheived from my first year of studies


We have a long road ahead with the house, it's a fixer upper and is going to need a lot of money and hard work spent on it but it's totally liveable. I'm not impatient or in a massive hurry. I would rather get a feel for the house and reinstate all of its period features with our own touch.

We want to have this Florida holiday as our dream holiday before we start a family. There's been a few bumps in the road and almost 5 years ago I was told it was unlikely I'd naturally conceive so we are in the process of trying to get help. We received a referral and ended up being given the run around due to paperwork and test results being lost. Fingers crossed this time.

So the plan is to get as much paid off as possible. I feel like I'm restarting my journey but I have to remember that I'm over £6k less than where I started and we've achieved so much in that time.