Diary - 41 and drowning in debt

mummytogirls

Just had a quick read through your diary TMD. Hopefully your cheque will clear soon and you can pay off your 4 cards!

Well done on winning your £100 vouchers, sounds like you deserve it :T.

I think its lovely that your treating your girls, I really enjoy treating the kids. My 2 are getting a new sandpit ready for the Summer in a few weeks, cant wait to give it to them !!

too_much_debt

Hi mummytogirls

Thanks for your reply, yes I can't wait for the cheque to clear.

I bet your girls will love the sandpit, it's nice to look out the window and see the sun shining, can't wait for the warmer weather, they say we are going to have a heatwave this year, will believe it when it happens, they said that last year.

mummytogirls

I dont know about you but I feel so much better getting up in the mornings when the sun is shining.

I think we will give it to them for Easter. They get far too many eggs as it is without us adding to it. It may seem a bit excessive but im buying it anyway so might aswell give it for Easter!!

too_much_debt

Had a great day today, my Endowment money cleared into my account at midnight.

So far today I have paid off:

Credit card 1 - £971.67 - Paid off
Credit card 2 - 1,389.11 - Paid off
Credit card 3 - £1,465.46 - Paid off
Credit card 4 - £4,198.96 - Should come out of account Mon - Paid off

Just over minimum payments:

£180.00
£45.00
£140.00
£102.00

Paid OH £400 - he paid for my car service/MOT and 2 tyres.

Still have 4 credit cards left, 6.9% until paid off, 7.9% until paid off, 0% for another 11 months and my MBNA is just over £6k, this is the one that I'm going to do overpayments to. (Owe about £20k in total now).

Going to restart the PAD challenge, will be saving my £2 coins in a sealed pot and I also do the Sealed Pot Challenge.

I feel really good today and am going to try and pay the rest off as soon as I can.

Have a good weekend, if anyone is reading this.

Purpleroses

must have felt great paying all of them off!

hope you have a great weekend too

too_much_debt

Purpleroses wrote: »

must have felt great paying all of them off!

hope you have a great weekend too

Thanks

Yes, it did feel great, I have about £2k left, going to put £500 in my ISA, I have Car Insurance coming up in April. Will still be Ebaying like mad.

Need to find some more challenges to join.

Purpleroses

come join our £10 a day challenge! not as scary as it sounds.

too_much_debt

Oh, what do you have to do?

Purpleroses

the aim is to make £10 a day each month through sales, overtime, some people include savings made when shopping. Anything over your regular wage basically.

So for April the aim is to make £300. granted its hard to hit £10 every day but if you sold £50 worth on ebay then that would be 5 days worth...does that make sense? I wrote a long intro thats on the first post of the challenge for ideas

LeeSouthEast

Congrats on your journey so far! You must be pleased