overwhelmed new member

Coco114

Ooh yes TCC that sounds like a plan! I will sit down and have a look later, if i do it with the minimum I can manage, then chip away as and when 🤔   Exciting!!!

Karonher

Happily just found your dairy again. I don't think I had seen it since just after you moved house. You really have come a long way.

Coco114

Hi 👋  Glad you found my diary again but its still just me rambling haha!

Nothing to report today other than I received a letter to say I had overpaid my tax by £28!  Claiming that back and it can go towards the next little debt.  Better in my pocket than theirs!

Coco x

remote_control

I have a debt planner app on my phone. It lists all the debts and you set how much you pay each month and then it tells you a debt free date. It's not perfect but I do enjoy seeing the dfd. I play with it too and see how the date changes if I pay £20 more a month for example. Mine is all on 0% too. 

Coco114

Thanks Remote , can you share which app (if allowed?) 😁

Coco114

Not the most exciting of weeks!  But, I checked the payment that comes direct from my salary and its the last one at the end of September so £70 a month better off!  Got my Tax Refund as well.
Did a frugal (ish) shop yesterday and am trying to work with what I have in the freezer for this week - I have plenty of meat and veg in there.
Still need to sort out a PayPa* account as well as eba! so must do that tomorrow.
Weather is beautiful here so should be able to get all the washing dried on the line tomorrow including the beds.

Looking forward to the end of the month when I can start paying the debt down properly

Hope everyone is having a nice weekend

Coco x

remote_control

The app I use is called 'debt planner'. It really isn't perfect but it is very simple and I just like having the balances on there and seeing my dfd.  There is one major flaw though, it always assumes you are still going to make your payment that month, even if you've already made it. It's hard to describe! I've just sort of got used to it. I'd be interested to know if there are other better apps out there.

remote_control

It's an android phone I have.