We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
GRC's "Keep Running" Debt Diary
Options
gothrockchic1
Posts: 1,959 Forumite
Hi Im Gothrockchic, I am 30 years old.
My previous diary was started as a debt diary, it then turned into a savings diary and then a spending diary. What a boring diary, I promise I wont do that again!
I started seeing my OH after a long friendship in September. In the last diary I expressed that I wanted to move to Edinburgh to pursue a career in music hopefully creating a band or getting a job in the industry. Both my OH and I both want to move to the same city next year.
So heres the deal I have two credit cards the first a Tesco CC with £100 which I hope to pay off next month as its an old balance from a few months back. I have a Barclaycard which is 0% until October next year with an estmated balance of £1500.
The plan is to save up to pay off Barclaycard, I am just paying the minimum payment and seeing it go down is now. I have almost enough but will keep the savings until my ISA interest gets paid.
I also need money saved so if I dont find a job in time I can cover a flat deposit, rent and all expenses so I think I'll need £2500 as I have friends who have taken £1000 with them struggled and worse have had to come home
So I hope to save £300-400 a month but realistically I need to save as much as I can so itll be more like £500. I have a lot of little jobs to do so this diary is a journey to Edinburgh.
Lastly many thanks to Emzilla, ZTD and all the lurkers on my last thread you have kept me going. :T
Heres to a new chapter!!! :j
My previous diary was started as a debt diary, it then turned into a savings diary and then a spending diary. What a boring diary, I promise I wont do that again!
I started seeing my OH after a long friendship in September. In the last diary I expressed that I wanted to move to Edinburgh to pursue a career in music hopefully creating a band or getting a job in the industry. Both my OH and I both want to move to the same city next year.
So heres the deal I have two credit cards the first a Tesco CC with £100 which I hope to pay off next month as its an old balance from a few months back. I have a Barclaycard which is 0% until October next year with an estmated balance of £1500.
The plan is to save up to pay off Barclaycard, I am just paying the minimum payment and seeing it go down is now. I have almost enough but will keep the savings until my ISA interest gets paid.
I also need money saved so if I dont find a job in time I can cover a flat deposit, rent and all expenses so I think I'll need £2500 as I have friends who have taken £1000 with them struggled and worse have had to come home
So I hope to save £300-400 a month but realistically I need to save as much as I can so itll be more like £500. I have a lot of little jobs to do so this diary is a journey to Edinburgh.
Lastly many thanks to Emzilla, ZTD and all the lurkers on my last thread you have kept me going. :T
Heres to a new chapter!!! :j
0
Comments
-
Heres a link to the old diary
https://forums.moneysavingexpert.com/discussion/2809142
Lots of gaps I know but Ill post everyday x0 -
Happy shiney new diary :j
Edinburgh is a great city
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
-
Happy new diary
And thanks for the mention
.
Emz xx0 -
*subscribing, hoping all goes well!*Credit card- [STRIKE]£487 [/STRIKE] £96.78 Overdraft-[STRIKE] £1000[/STRIKE] ALL GONE!
:starmod:VIVA LAS VEGAS! October 2012 £180/£1600 Spending money £0/£1500 :starmod:0 -
-
Well today was interesting after 2 hours of tossing and turning I managed to get 3 hours sleep. No real reason why I couldnt sleep I think I was a bit hyper mind you
I sent an email to my contact lens supplier to reduce my direct debit to lenses only I have like 6 bottles in my box under my bed :eek: so that may save £5 a month hopefully.
I also when through stacks of paper today and I have a large bag of paper to be recycled.
Next step is to sort out my Word on my laptop as it keeps asking for a product key.... 0 -
Just downloaded Open Office for my Word to get my CV done
Thats a job to do tomorrow! :cool:0 -
Another achievement unlocked! I just typed my CV :j
It took an hour ish and I am amazed I remembered all the dates etc.
Also I got a nice Christmas card with £20 that'll sit nicely in my ISA 0 -
Edinbrugh is a lovely city. Fingers crossed it all works out xxMFW 2024 £27500/7500 Mortgage £129,500 Jan 22 Final payment June 38 Now £68489.08 FP May 36 Emergency Fund £20,000 100% Added to ISA 24 £8,060 Save 12k in 24 #31 £20,034.76/20,000 Debt Free 31.07.140
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.1K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244.1K Work, Benefits & Business
- 599.1K Mortgages, Homes & Bills
- 177K Life & Family
- 257.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards