Another goal made, another bill to clear!

ButterflyBee

After paying off 23K of debt 2 years ago,many lessons have been learnt never to be forgotten. Today was another day to clear out the cobwebs and look at current numbers and put a plan of action into place. In a nut shell, I may have cleared all my debt (took 2 years) but my credit score was blacker than black and as a result when I needed to buy a new car last year the only option was to do this on HP at a rather high rate of 23.9% apr. Well reluctantly but in desperation I signed on the dotted line. Surprisingly last week I received my 0% Barclay Card 14 months interest free and with a few calls and clever budgeting the car finance is now cleared and in 14 months at £35 extra per month the credit card will be cleared. That is 12 months sooner and a saving of £1140.00 in interest.

Another Goal Made and another bill will be cleared!!

ButterflyBee

Life is a lemon and it never stops stinging in the eye.
One thing after another.
Today I was warned that I had better change my front tyre ASAP. Thank goodness no points or fine was issued. I have just ordered one on the net to be delivered and fitted next week. At least it's only a £40.86 but this will be off the rest of the groceries budget for this month now we will be really cutting it fine to the wire. What an expensive month this has been and I thought that it was all over after the 18th birthday party.
This little piggy said budget,budget,budget all the way to the market.

ButterflyBee

Off I went to MrTSC today with £15.16 in my purse and by choosing only own brandded goods was able to do the entire weeks shopping, even I was surprised.

I am happy with my efforts so far but this has made me realise how much money I have flittered away again these last 2 years.:eek:

Must remain focused and get this cr card debt settled by next summer then I can focus on changing the mortgage to RP.

ButterflyBee

Well I have done it! The car finance is paid off and I have only
£3100.00 to pay off on the 0% credit card which will be settled in 10 months. A bit steep but with a spending diary and cash only for all purchases I know that this can be done.

What a pleasure and now I can rest easy at night knowing that I have saved myself over £1100.00 in interest.