I fell off the wagon

justruth

Just to update.

My interest accruing debt is now officially paid off. I now just have the 0% overdrafts (and 3 more years at uni) which currently total £5,600 but after scoring a 2:1 instead of a first on my research year, and missing it by just a few points, I have decided to stop work once I return to uni. I will be entering the clinical phase of my course, I don't know where I'll be placed or what free time I will have as we are expected to be available at weekends as well, and the few holiday breaks we get I should like to enjoy with my girlfriend.

I'm already planning Christmas, with hotel near my parents paid for (travelodge sale) and planning on who I am buying presents for and even looking to get some of the gifts. I've got really good at meal planning and as my income is now completely restricted will focus on working with tighter budgets.

It's a relief to be in the clear with monthly payments and have been working on a savings budget to try to off set the overdrafts so I am not overwhelmed in 4 years time when they all run out. I'm feeling really quite pleased with myself!