Skaps's "Will i ever be debt free?" diary

Amatheya81

Good Luck

skaps

Things to do on Tuesday:

Check money has been transferred to the natwest account, then call natwest and reduce overdraft by £400. Has not been transferred yet.

Check OH barclaycard for dd for the month. No new statement yet.

Check own barclaycard to reduce credit limit. Payment went out today so wait till end of week.

skaps

Have decided to pay off my NW cc which has £115 remaining so that I don't use my natwest overdraft. So when the money comes in I will use £115 of it to pay off the cc and then I can use the rest for the overdraft.

Yesterday got some money back from kitchen which was about £150 so this will be used probably to buy paint and other bits for our bedroom.

Also I made some doughnuts yesterday so thats my cook sth different for this week done.

Today am meeting friends for lunch and in the evening too. Stomach is not feeling good so don't think I will be eating much.

Down to £9025.03 debt remaining and 2/15 NSDs so far.

skaps

Didn't meet friends yesterday as I wasn't feeling great.

Went to Homebase and bought paint for the bedroom and lights for the kitchen and my friends dad was working so we got a discount.

But the bad news today is that I forgot what the date was so did not transfer enough money to the current account to cover the dds that were going out! The OH got paid early last month so I thought me being organised that I would put the money away so when the dds came it would be there. I don't know how much I will be charged! :mad: January is always one of those crappy money months no matter what I try to do.

Just realised I got charged £25 for a paid item fee dd and a further £10 daily unarranged overdraft fee for last month! Great!

skaps

Have paid off the natwest cc now so am going to phone up later on in the week and cancel this cc.

Debt is now under 9k :j only 5 days after my target which isn't too bad.

Feels good to see this reducing. Now going to concentrate on the overdraft.

Herewego

Well done it's such a great feeling paying the final payment and even better when you can call and tell them to stick it. Great start to the New Year

skaps

Have paid off the natwest cc now so am going to phone up later on in the week and cancel this cc.

Debt is now under 9k :j only 5 days after my target which isn't too bad.

Feels good to see this reducing. Now going to concentrate on the overdraft.

Also have reduced my credit limit of my barclays as every time I pay back another £200 i reduce the limit so I can't use it for anything else.

Amatheya81

Well done on paying off your CC! It must feel brill, keep up the good work

skaps

This weekend I have been busy painting the bedroom. After ebaying all the furniture and sleeping on our mattress on the floor, last night slept in the living room on the floor. Was not too bad actually.
Today went food shopping and spent £70 at Tescos but £20 was other stuff and we did get two newspapers so we can go to the cinema for free next Sunday. Most of the food we bought was whoopsies though. Also have bought the carpet for our bedroom which will be fitted on Wednesday. Up to 6 NSDs so far.

Lemon_Tree

skaps you're doing wonderfully well so far this year!