Don't Stop Thinking About Tomorrow...

claire0788

Hey everyone !

I had a diary a while ago and kind of fell off the debt free wannabe wagon.

In the real world people kept telling me 'You only live once, stop worrying about tomorrow and live for today' and such like. Well ! I am here again to remind myself in the words of fleetwood mac (an oldie but a goodie) not to stop thinking about tomorrow.

I WANT TO BE DEBT FREE !

A little history of my debt -

Total debt not including mortgage at Jan 09 -
Overdraft £3000,
Credit Card £300,
New double glazing £3000,
Loan £2500.

Total debt not including mortgage at June 09 -
Overdraft £1650,
Credit Card £240,
Double Glazing £3013,
Loan £2320.

Total debt not including mortgage March 2012
Overdraft £1200,
Credit Card £950,
Double Grazing £2600,
Loan £1300.

Between June 2009 and now my debt has fluctuated lots, various reasons but mostly because of a reduction in hours at work, my desperation to act like a "normal" early 20 year old (in my mind they are mortgage free and have lots of money for a social life) and helping out family financially.

I have finally got my head screwed back on and I'm ready to commit to becoming debt free. So there we have my confession. I'm back because I fell off the wagon and I need help staying on the straight and narrow and my diary helped a lot last time around.

Thank you for reading and any suggestions and moral support welcome !

claire0788

So...

Plan for March is the following -

Pay housing factor fees for first quarter - £120

Reduce Overdraft by £50

Reduce Credit Card by £50

3 small targets to be met, easing myself back into good debt busting habits

claire0788

£120 paid to the factors

£50 paid to the CC

claire0788

Overdraft reduced by £50.
Takes a longer conversation to reduce it than it did to get the overdraft in the first place !

claire0788

Another £20 paid to the credit card. Slow and steady wins the race apparently...

claire0788

Payday !

£50 paid off overdraft and £30 to credit card.

Balances - £1100 and £850. The loan and double glazing will be updated soon.

claire0788

Loan paid - from 1300 to 1262.

Squidge123

You're doing so well

claire0788

Thanks Squidge

Another payment to the credit card made of £30 - Balance now 820.

claire0788

Also paid slightly more to the double glazing payment today. I'll probably be 500 years old by the time that is gone though.

Balance for double glazing now - 2595.40

claire0788

£20 paid to the credit card - balance now £800.