Determined this is my last debt diary

Birdie85

I'll be having a much needed lie-in tomorrow morning then my Mum is taking me shopping in the afternoon and OH and I are going out for dinner in the evening for our payday treat. Have to enjoy little luxuries like that whilst we still can!

Lara44

CMD, you're making such fantastic progress, you've paid off 1/3 of the debt in this year alone :j I am sure it does get tiring but think of all that extra money in your budget when you are finally debt free!

clearmydebts

Thanks Lara & Birdie - both of you are great to come and encourage me on here!

clearmydebts

Looks like I am going to achieve JDIJ just in the nick of time with regards the balance transfer. I have just transferred the last of the money into Virgin and will make the balance transfer tomorrow. My parents also very generously gave us a cheque for £4000 towards a car so I will be leaving that in myself and OH's OD for when we get a car. This means my sig may go up a bit again but better than us having to get a loan out for the car.

I am hoping that when I do a money reshuffle and all my wages come in that I will be under 12k by the end of July (unless we buy a car).

Tete_en_l'Air

Yay, so that would be half the debt gone in under a year! And even if you do buy a car and it's not quite that much, like you say it's better than getting a loan for the car - it must be a weight off your mind knowing that you have the money there for it and don't have to worry about where the money's going to come from

I have done nothing at all in June Except eat

Birdie85

I keep saying it but you really are doing so well CMD!

That was so nice of your parents too! :T

Hope you've got a nice weekend planned with the family.

clearmydebts

Tete_en_l'Air wrote: »

Yay, so that would be half the debt gone in under a year! And even if you do buy a car and it's not quite that much, like you say it's better than getting a loan for the car - it must be a weight off your mind knowing that you have the money there for it and don't have to worry about where the money's going to come from

I have done nothing at all in June Except eat

Yes but you have been so busy and organised up until June that you more than deserve the rest!

Yes, it feels great and I finally feel like the last lightbulb really went off and we are making headway. Not booking any holidays abroad is a huge milestone and a turning point for us.

clearmydebts

Birdie85 wrote: »

I keep saying it but you really are doing so well CMD!

That was so nice of your parents too! :T

Hope you've got a nice weekend planned with the family.

Yes, incredibly generous of my parents. They are brilliant

We are going to a 1st birthday party tomorrow & then will have a quiet one on Sunday as OH is working. He is getting overtime though so all money towards reducing the credit card

How are you feeling Birdie?

Birdie85

I'm feeling OK on the whole thanks. Have fairly good days and fairly icky days. Today is nudging towards the icky sadly and I feel like I've got huuuuuuge bloated belly; wearing my biggest stretchiest work dress and I'm still not feeling comfy, probably because I need to buy giant tights too!

Hope you have lots of cake at the party tomorrow!

clearmydebts

Birdie85 wrote: »

I'm feeling OK on the whole thanks. Have fairly good days and fairly icky days. Today is nudging towards the icky sadly and I feel like I've got huuuuuuge bloated belly; wearing my biggest stretchiest work dress and I'm still not feeling comfy, probably because I need to buy giant tights too!

Hope you have lots of cake at the party tomorrow!

Even when I wasn't feeling sick with Evie I felt yucky for the first 17 or so weeks. Just sluggish and aches and pains below and really sensitive boobs. Just generally not right.

I promise you though, when you get to 20 weeks you just bloom and feel so great. I'm not sure if it is because you are grateful not to feel c*ap or just general blooming, but it is a lovely feeling! Plus baby starts kicking and the bump starts to get more defined. An all around lovely time