New Diary - Last Time to Debt Free Success

honeypooh1980

I will make my first entry short but i just want to write down my current debt so i acknowledge it:

Mint Card - 2584
MBNA - 38
B'Card (old egg one) - 469
B'Card Plat - 3931
Catalogue - 376

Total - 7398 :eek::eek:

I've been down at zero before with the help of my hubby but i cannot tell him this time as he said me getting in debt would be one reason he would divorce me for - not sure if he was being serious or not but don't want to take the risk.

My first job is to pay off the catelogue and the MBNA card then the egg card so i can close both of them.

I have lots of stuff i can ebay so fingers crossed this will go a long way to these goals.

Heffi1

Good luck Honeypooh1980, you have started now by listing how bad it is, that is a good start, I shall subscribe so I can follow you on your journey.

honeypooh1980

Thank you Heffi.

How is this for irony? I had £1k in premium bonds for about 4 years and never won anything. I cashed in £750 three months ago to pay off some debt and would you believe it, i've just had a cheque for £25! Maybe me cashing some in made the remember i'm here. This will go towards my catalogue as this has the highest interest rate.

Also got an email from ebay today saying it is free listing from the 1st - 9th September. Well i have shed loads to list and would hope to bring in a couple of hundred pounds which i will put towards the catalogue.

I'm hoping there will be about £200 left in my account at the end of September so i will use this to pay the rest of the catalogue then start on the Barclaycard that use to be an egg card.

I think it might feel more satisfying knowing i've totally cleared the MBNA and one B'card as well as the catalogue.

Sorry for rambling but it helps writing it all down somewhere.

On a another plus i lost 4lbs at my first weight watcher weigh in last night so chuffed about that.

beanielou

Good start & great weight losws on your first week

honeypooh1980

Well so far so good, my only spend is £2.50 on an anniversary badge for my football club.
Also had another virtuous day of eating yesterday and all good so far today. Hoping my footy team win today so just waiting for the game to start on tv.

honeypooh1980

Well i haven't done very well on the NSD challenge for September so far. Bought a magazine yesterday and some foot cream as got very dry split feet at the moment. This was only £9 but then went into Pets at Home and the cat food was on offer so there went another £40. But on the plus side we have enough to last until November now. Hoping today will be my first NSD of the month. Will be spending a few hundred later but that is other peoples money for a party.

However yesterday i sold about £80 worth of stuff on Facebook (instead of ebay) so that should be coming in over the next week or so. I do still have other stuff to list on ebay so will get doing that a couple of evenings this week. Still on track to have £200 left at the end of the month to pay off debt. Not holding much hope for October as have a wedding which means £80 on diesel and £250 odd between me and hubby for a hotel and food for the weekend as it is the other end of the country. However its a posh do with the grooms parents being loaded so hoping for a free bar!

I already have all my spends for Xmas presents and will be trying to cut down on these where i can and make savy purchases.

Well rambling over for now - might come back later, but time to get back to work.

honeypooh1980

Finally had a NSD yesterday and hoping for another today.

Put four more items on ebay last night and had bids on two so far.

Transferred £50 from paypal to my current account and this will go straight onto the cards.

Made a total of £101 from things i've sold on Facebook plus another £36 (probably more) from people who ave said they want items and am just waiting for confirmation. This will all go on the cards.

honeypooh1980

Well not been on for a while but have been working hard to try and make some money but ended up with a few items going on cards. So far i have £230 from selling items on ebay and Facebook, i've got two more items ending this weekend so will pay all the money in one go to my catelogue. I'm also hoping to have another £300 in my current account by the end of the month that i will be throwing at my old egg card (now a barclaycard). The total on this at the moment is not a true total as i have sent three items i ordered back and am due refunds of almost £100 to this card. Hopefully my total will be below £7k by the end of September.

I'm busy hunting out more things i can sell on ebay or Facebook and might be able to find another £100 worth of stuff.

katieandlee

Good luck with your journey and well done on the weight loss. I've subscribed x

Heffi1

You are doing really well, keep going every pound paid off is a step closer to your DFD

honeypooh1980

I also forgot to add that my weight loss is up to 11lbs in total over the past 3 weeks which I'm very chuffed at.