Made some small progress

debtfreein4years

well bf got paid today so have paid myself as currently unemplyed.

have paid my loans, a payment to my extra od and even paid a little bit more than the minimum to my cc payment. Ive also managed to put some money aside for next years council tax, tv licence and also rounded down to the next ten quid and put the odd money into an account so that i can use it for debt repayment.

feeling really chuffed as ive got 60 in my purse, a full freezer and well stocked cupboards, and im going back home for christmas so will be able to use the food budget that is surplus at the end of the month towards something else. at the moment im thinking my cc or overdraft, although i probably should put it towards either the council tax or the tv licence as that would be of benefit to us both, but then me clearing my debt quicker would be of benefit to us both.

need to sit down and actually write out a plan that i can stick to the fridge so i can see it on a daily basis to remind me how much i owe and whats been paid.

i did use my abbey overdraft to clear my bos account and then closed my bos account as im hoping that will have a slightly positive effect on my credit rating, so now i only technically owe money to 4 people, 5 if you include the loan my bf took out for me.

well my late night ramblings have worn me out so i will go to bed now.

good night

gxx

boredofbeingathome

Small steps are a good start..well done. It takes a while to get into good habits.