Enjoying the journey to becoming debt free - paying back the credit cards

WelshWoofer

Hope you're feeling a bit better now?

I need to get some stuff on ebay too - its just all the faff of the photos etc thats putting me off.

fedupandskint

Feeling better as sat down doing nothing for most of the day which is not too like me these days. Will see how I am tomorrow morning as I can tell when I wake up.

Glad I photographed everything ready to go in about half an hour this afternoon, mainly clothes so quite quick and easy. It was both the card balances and relisting that triggered off the thought to take the photos.

fedupandskint

Excellent, the low starting prices have watchers - no bids yet, a long way to go though.

Not too sure if I feel any better today, will see how I feel later. Might do some more 99p listings later on if I get around to it, and some reading, if I feel up to it.

NSDing going well this month, have just worked out another target - getting quite addictive this month - not that that's a bad thing! Should be a record total this month if all goes to plan. Here's hoping it does!

fedupandskint

4 more 99p items listed onto ebay - certainly feeling better today for not doing much at all so it's off back to work tomorrow for the rest of the week.

I ceremoniously cut up my credit card which has been paid off, settled and closed, into lots of little pieces. One down 3 to go - the journey continues.

fedupandskint

A bit more listing done - nothing major but it all helps. Crafting stuff which is mainly unused is the pile of stuff to sort out and photo and list. Once this lot goes I will be close to saying goodbye to my past excessive spending that I couldn't stop at the time.

Thankfully that period of my life is over and I'm in a completely different phase now repaying all of that accrued debt. Tiny steps bUt they're the steps that get me there as long as I keep taking them.

Think I will take the dog out for a nice long walk to see how I feel after that and its' a lovely day out there

fedupandskint

A lovely walk down the river and around the nature reserve this afternoon under the warmth of the sun - without a coat! Feel better so off back to work tomorrow as yesterday that walk left me feeling not too great.

Storecupboard risotto turned out to be very nice indeed using up one jar if preserved asparagus and some of that arborio rice that's been in the cupboard for ages. Chucked in quite a bit of veg too to make it a little healthier. Enough made to take some to work for tea tomorrow as working late night and then Friday afternoon is the first day of my placement.

NSD 8 today - did walk up to the supermarket and stuck to my list, got most of it and under budget so far. Will get the rest tomorrow all being well. Right then, time to do a bit more listing

fedupandskint

23 items listed now - let's see how they get on over the next week or so.

Will keep an eye out for this weekend as it might just be a free listing one as its a super one apparently

fedupandskint

I had a great afternoon at my fab work placement today, a brill place and looking forward to getting stuck into some work in a new area. Also took the plunge to submit mt PhD appl'n - don't think I'll get it,but worth a try all the same. Plus I'm off to see uni careers next week to update my CV some more and hopefully get better equipped for all these appl'ns and get a job I really want. A fab afternoon all round!

Lots of fab walking too to add into the bargain - will WI tomorrow and see if any of those lbs from last week have dropped off magically!

What else? A quiet weekend as have a lot of uni work to get through along with weekend usual cleaning catch up and so on. Will have a walk up to town tomorrow collect my sale order and see how my jeans look which were a bargain so will fab myself up a little then

Sadly got called sad with no life today by a collegue at work today because I happened to say I had uni work to do this weekend - oh well n'mind, it will be worth it on the end as I have to keep reminding myself.

NSD 9 and 10 over the last 2 days and will be a NSD weekend as no pennies to spend. Will take avantage of the free listing weekend and get those other items on at some point

fedupandskint

Right then, I was very good today and returned the slightly too tight skinny jeans for the bargain price of £8. I AM on track for a no clothes spend afterall for April - 2 weeks to go.

A lovely walk up to town and back and it's warm today! Called into the travel agents to see how much a birthday holiday will cost - turns out less than I thought when I looked online. Will have a chat with mum and then we'll get something booked for my big birthday later on this year. Really glad I called in rather than rely on the internet.

What else, plenty of washing out on the line drying on this lovely day. Took the dog on a nice long walk this morning and think we'll go on another long walk this afternoon.

Might spend a couple of hours in the garden as it needs a big tidy up before bin collection day next week

fedupandskint

While I remembered -updated snowball calculator for CC repayments and interest.

Also listed 2 large items and relisted 3 others on free listing weekend. 1 item has a bid, no others to report.

After watching the MLMS last night I realised I need to put the payments onto the highest interest card firstly and leave one on zero interest on min payments, the other zero interest card had a DD high repayment on it as it ends in 7mths time and I wanted to pay as much as possible off this card before the zero rate expires. I'll leave it as it is and instead of splitting any ebay funds between the 3 cards I'll focus on the highest interest rate card and use any funds to pay chunks off this card.

Fingers crossed for some funds to pay off these chunks and get those debts down some more and closer to being repaid in full