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  • Kittencat
    Kittencat Posts: 699 Forumite
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    If your back injury was industrial. Then work will pay you. Look into it.
  • GeorgianaCavendish
    GeorgianaCavendish Posts: 2,387 Forumite
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    Well done for not spending on the credit card for a month, that is really good!
    I have just started my own Debt Free Wannabe Diary and my first challenge to myself is to not use my credit card for the month of February.
    A few people have told me to build up an Emergency Fund before I start overpaying my debts so that I can cover unexpected costs from cash rather than using credit cards etc - have you thought about doing that?
  • debtfreeme2015
    debtfreeme2015 Posts: 269 Forumite
    First Anniversary
    I feel so ill. I can't stop thinking about money. I can't get a 0% balance card so this is never going to be paid off.

    I've got £300 in an emergency fund and hopefully put some more in this month. The credit card was used for everything petrol, days out, food shopping.
    I can't believe I've got in such a mess really want to deal with this.
  • debtfreeme2015
    debtfreeme2015 Posts: 269 Forumite
    First Anniversary
    Kittencat wrote: »
    If your back injury was industrial. Then work will pay you. Look into it.


    Hi they won't pay me. I didn't even get sick pat for the week I was off.
  • Kittencat
    Kittencat Posts: 699 Forumite
    Name Dropper First Post First Anniversary Combo Breaker
    You will get there. Half the battle is having that light bulb moment.

    Regarding the injury, are you in a union?
  • debtfreeme2015
    debtfreeme2015 Posts: 269 Forumite
    First Anniversary
    Well bad day today. Went out with mum. £5 in home bargains on toothpaste and sweets for in the car then £18 on two jumpers and two pairs of shoes for the summer and £30 on petrol. Got £5 left to last till Friday but don't need anything. All direct debits go out tomorrow so should get an idea of extra payments I can do
  • debtfreeme2015
    debtfreeme2015 Posts: 269 Forumite
    First Anniversary
    So tired today. Can't stop thinking about this mess. Was checking my bank statement at 1 am.
    Loan money went out today but it's not updated on the app yet also credit card bill is due but again it's not online yet.

    Hopefully a no spend day today. Am working, got a tank full of petrol and shouldn't need anything else.

    I just want all this paid off and get some sort of normal. It doesn't help that I'm not on a set wage every four weeks so am never 100% sure what my pay will be.
  • Money_spending_mummy
    Money_spending_mummy Posts: 38 Forumite
    First Anniversary First Post
    Well done for starting to do something about your debts. Small steps will get you to your goal in the end.

    Xx
  • debtfreeme2015
    debtfreeme2015 Posts: 269 Forumite
    First Anniversary
    Sitting up waiting for internet banking to update so I know where I stand.

    Still not used the credit card and Wednesday was a no spend day. Day off today but need to go into town but hopefully won't do too much damage to the budget.
    Can't really do aims for February until I know how much interest is added to the credit card but

    1. Get loan below £9000
    2. Don't use credit card
    3. Get credit card down to £3150

    Fingers crossed I can manage this. Just want to wake up from this nightmare
  • debtfreeme2015
    debtfreeme2015 Posts: 269 Forumite
    First Anniversary
    Internet banking finally updated so made an overpayment to my loan of £32.02 so total is now £9000.

    Still waiting for the credit card to update so I can pay that and work out my money for the month
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