The journey starts here - don't stop believing

**Kat**_2

Right, I want to at least halve my debt by the end of the year. This means finding £4,417.01 over the year or £401.55 per month (as we are already in Feb).

That number looks really scary to me, I really need to stop talking and start paying!

**Kat**_2

£222.18 paid into Building Society. £150 of this is for holiday so only £72.18 to go against debt pot but £274.08 so far - getting there

**Kat**_2

PS on nicotine patches from today so the ciggies (and the money spent on them) will hopefully be gone for good this time....

Woowoo

Well done for giving up the ciggies Kat, you can do it - just keep focusing on the pounds your saving

pennywisepoundstupid

Good luck with giving up the ciggies, just think you will be healthier and so will your bank balance.

**Kat**_2

Thanks guys. I will admit I had a sneaky one as I had a rubbish day but one (that wasn't mine) is better than 15 of mine lol.

Paid £168.52 to Kays and have broken another % barrier - woo-hoo!

Woowoo

Well done Kat

**Kat**_2

Thanks Woo. That's the first proper overpayment I could physically write down as we have just been saving and not spending as much to try and clear the reserve so it was really exciting to do.

Took £100 out of the debt fund to go back into the bank to cover what I needed so that's gone down but still healthy enough.

Woowoo

When will you get out of the reserve for good Kat?

**Kat**_2

If it's not this month it will be next. I hope it's this month but I'm not holding my breath (don't think I could until 25th lol) but we will know how much we have to pay and then once I have bought tax we can transfer money from the savings to clear it (bar £150 which is for hols).