Keeping Motivated During Debt Free Journey

Thanks all, good to know you think I'm heading in the right direction. I always though I was in the past but my debt kept going up! But now it's going down and I'm learning to spend less.

I have decided to put off some purchases, like I really wanted a new phone as mine doesn't have enough storage, but I guess I can live with this phone, it's still a good phone and earlier this year I replaced the battery in my iPhone 5 to extend its life as the battery life was terrible!

I'm just hoping my work contract is extended or I get a job straight after it. My contract runs out end of November and that's the hard time of year to find a job! Or I'll be digging into my emergency fund!

The don't buy anything new for a year is interesting, not sure how successful I'll be as you never know when things will break or you desperately need something. Like right now I really want a new bookcase as mine's falling apart. There's always something I want, I don't automatically buy it now like I used to!

I understand about the snowballing and getting everything on 0%, but some of the % deals I get have a 4% fee, so I can't work out if it's cheaper to keep it on 4.9% interest for the year or the pay the 4% fee.
I will concentrate on the Halifax, I'm already paying extra on my fixed monthly payments - £60 instead of 1% (£25ish). If I pay this off then I have more balance to do a balance transfer for my later cards like Barclaycard as Halifax have the best deals.

Do you think it's worth closing down my Natwest credit card since they only offer a rubbish 6.9% life of balance with a fee? So if I want to apply for a new card in the future I have a better chance? My debt to available credit ratio is still good without it. I won't be applying for another card until next year as I have about 3 credit searches in the past 3 months (one was my HSBC CC).

So I've taken the advice of some of the people here.

I have done a new balance transfer to pay off some of the MBNA 4.9% card. I had a 15 months at 1.5% fee (3% originally, then a 1.5% refund) with Halifax.

So I've done a £2000 balance transfer. Now I only have £2002 on 4.9% now. I am debating whether to use my Barclaycard to transfer another £1800 to MBNA but it's a 3.5% fee until 1st December 2017. I might need to save that for my Halifax transfers that expire in the new year! But then again MBNA are offering a similar deal (on money transfers not balance transfers) so I could use that instead.

Too many balance transfers going on. I have a spreadsheet to keep on top of things and update it each month so I know when things expire. I did have one money transfer expire a while back and I was paying 20.9% on it for a few months!

I have an expensive month next month - need to buy new household things with my housemate moving out, as well as things that are long overdue (new pillows, new book case - the other one is falling apart).

Need to keep motivated and not spend money. I have overspent a bit this month, but not so much I spent more than I earned, just overspent what I budgeted! My downfalls appear to be eating out! I spent £122 on restaurants/takeaways (including going out at lunch), I budgeted for £60! I need to start keeping 'easy meals' in my freezer like pizza, otherwise I spend £17 on a takeaway instead of a £1-£3 pizza!

I've been transferring my MBNA to other 0% deals, Halifax offered me one for 24 months! But I didn't have any credit limit left, so I applied for an increase and got one! Not as much as I would like, but I managed to transfer another £500 to it.

Good to know my credit rating is still good! And clearing my MBNA means they will probably offer me more 0% deals when I need them in a few months when a couple of 0% deals expire.

I now have transferred £600 on the Tesco card now - a new 0% deal, so can't close that. I don't actually know any of my card's pins anymore so can't spend on them in shops at least!

I'm good at not spending on my credit cards now, I haven't actually spent on a credit card in over a year! But I did have to transfer money to a card from an overdraft (which is now reduced to only £100 for emergency)

Halifax interest is 15.9%, but I always get 0% deals on my MBNA and Barclaycard, so once the first deal expires (will be about £1100) I can transfer it.