Tomorrow is another day - Scarlett's Debt Free Diary

Hiddenidenity

Well done on making the first steps x

*subscribes* will keep reading x

Itsadogslife_2

I think if I didn't give myself a little treat, be it a take away or something every once in a while I would be miserable. This journey is going to be a long one and if I didn't do this, I think I would fall off the wagon

I don't cook anything exciting, but do try to stay away from processed food. I have to say though Tescos do a lasagne that feeds 4 for £3.95 it is very nice - I don't think I could make it for that much :cool:

ScarlettOHara_2

£200 paid to Big Barclaycard today, they haven't added the interest for the month on yet but I guess that will about £125 so net reduction of £75.

£67.61 off the Baby Barclaycard, allowing £10 for interest so £57.61 net reduction. That was more than I wanted to pay but its my own fault for not figuring out how the Barclaycard payments thing on their site works. Just hope they dont try and take another £178 in January :eek:

Big Barclaycard: £7,846.44
Baby Barclaycard (was Egg): £865.38
Flat Management Fees: £1,125
Overdraft 1: £1,500
Overdraft 2: £500 (hopefully be a lot less this month)
First Direct Loan: £1,161.12 (due to finish 2012)

Total: £12,997.94

Some payments also came out of the bank from before Christmas today that I had forgotten about -means I'll probably be pushing the OD limits this month again.

Hiddenidenity

Under 13k already x

Doing well x I agree with pp about the takeaway dont be too hard on yourself x

ScarlettOHara_2

thanks - that is a very positive way of looking at the situation!

Have sold one of the things I listed on Amazon yesterday - amazed at how quickly that happened. Means I can pay another £35 off something when it comes through - choices, choices :rotfl:

*peridot*

Just dropped in to say hi :hello:

and good luck :A

ScarlettOHara_2

*peridot* wrote: »

Just dropped in to say hi :hello:

and good luck :A

Thanks same to you :wave:

Cat2011

Massive congrats on facing the debt and starting the diary - mine has helped me to keep on the straight and narrow.

Have you tried a snowball calculator? (Google "make sense of cards snowball"). You put in all your debts and their interest rates and it tells you in which order to pay them off. You make minimum payments on all of your debts, and then one big payment to one of the debts (the one which is costing you the most money). Snowballing can save you an awful lot of interest. You might find you'll be better of paying off the overdrafts first, whilst making only minimum payments to your cards etc.

Hiddenidenity

ScarlettOHara wrote: »

thanks - that is a very positive way of looking at the situation!

Have sold one of the things I listed on Amazon yesterday - amazed at how quickly that happened. Means I can pay another £35 off something when it comes through - choices, choices :rotfl:

:j :j Ive never sold on Amazon I might try :rotfl:

gottogo

Hi There

I've also rejoined under a new name, just for a fresh start
Best of luck with your debt busting, I've never used Music Magpie, maybe I should give it a try as I have loads of CDs/DVDs I never use now