Catriona's Credit Card Countdown

edited 15 March 2013 at 9:41PM in Debt Free Diaries
680 replies 54.4K views
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  • edited 26 March 2016 at 9:36AM
    catriona79catriona79 Forumite
    855 Posts
    edited 26 March 2016 at 9:36AM
    I woke up at 3am this morning, and been looking at ynab, which now shows my net worth stand at only -£906! Obviously that's before any bills have gone out ;)

    It's scary to think of how much of my life has been spent worrying about debt - and being in debt!!

    I've recently read this and found it enlightening:

    A surprisingly common regret - an article from the Independent
    * * * Catriona's Credit Card Countdown * * * from -£16k to debt neutraldom - for my debt diary click here
    Barclaycard -£5,867.52;
    mbna1 - 3,009.22
    mbna2 - 1,755.70
    Savings £5,017 MFiT #25 £2,627/£10k; daily interest £5.04
  • Thanks for the advice! Hmmmm... I think I'm in a "can't be bothered atm" frame of mind ;) Might change at some point, but we'll see... :)
    Rainy day fund — 210/1000 Emergency fund — 1019/1500
    Loan — 424/19,224 = 2.2% Fun fund: 1/100 Credit card balance — 0
  • Orange_EnaOrange_Ena Forumite
    1.3K Posts
    Hey Catriona, how are you?

    Happy payday for Thursday, mine was too! Seems rather a long time until the next one though :o

    May is going to be a good month, your birthday and becoming debt neutral. The good times are nearly here! Are you going to treat yourself to something to honour this magnificent occasion?

    That was an interesting article, thanks for posting. I must try to worry less, although at times I think I definitely worry less than I did 10 years ago. I wonder if becoming debt free will make me not worry at all.....looking forward to find out for sure!

    Hope you've had a lovely Easter and not eaten too many eggs :rotfl:
    Debt Apr 15 - £6895.44 :( Apr 17 - £2500 :) Dec 17 - £560 :) July 18 - £199 :D
    CHEFS challenge (Cruise Holiday Entirely Funded by Surveys) - £685.79
    Every penny is a prisoner :D
  • catriona79catriona79 Forumite
    855 Posts
    Thanks for the advice! Hmmmm... I think I'm in a "can't be bothered atm" frame of mind ;) Might change at some point, but we'll see... :)


    All in its own time, ABA. :) X
    * * * Catriona's Credit Card Countdown * * * from -£16k to debt neutraldom - for my debt diary click here
    Barclaycard -£5,867.52;
    mbna1 - 3,009.22
    mbna2 - 1,755.70
    Savings £5,017 MFiT #25 £2,627/£10k; daily interest £5.04
  • catriona79catriona79 Forumite
    855 Posts
    Orange_Ena wrote: »
    Hey Catriona, how are you?

    Happy payday for Thursday, mine was too! Seems rather a long time until the next one though :o

    May is going to be a good month, your birthday and becoming debt neutral. The good times are nearly here! Are you going to treat yourself to something to honour this magnificent occasion?

    That was an interesting article, thanks for posting. I must try to worry less, although at times I think I definitely worry less than I did 10 years ago. I wonder if becoming debt free will make me not worry at all.....looking forward to find out for sure!

    Hope you've had a lovely Easter and not eaten too many eggs :rotfl:

    Happy payday to you too. We are moving in the right direction. :)

    Ah, yes, I'm going to celebrate birthday and my debt-neutraldom by going yo Morocco for three nights. Can't wait! Flights and accommodation already paid for, and accounted for in my budget. Now I will only need to find about £300 for food whilst there and some souvenirs or similar. I've always wanted to go - cannot wait! It's a really happy occasion I have to say :)

    Ha, re worry, I think with me it's just in me and will always be there one way or another, but I guess I have to work with it. I am sure becoming debt free counts as working towards it :)

    Amazing morning in bed and I've got the whole of next week off, it's an amazing feeling! :)

    Hope you're enjoying your Sunday - I'm off to read your news now.
    * * * Catriona's Credit Card Countdown * * * from -£16k to debt neutraldom - for my debt diary click here
    Barclaycard -£5,867.52;
    mbna1 - 3,009.22
    mbna2 - 1,755.70
    Savings £5,017 MFiT #25 £2,627/£10k; daily interest £5.04
  • edited 3 April 2016 at 9:55AM
    catriona79catriona79 Forumite
    855 Posts
    edited 3 April 2016 at 9:55AM
    :money:April 2016 money update

    [email protected]@[email protected]: 12,450
    TSB savings: £4,000
    FD regular saver: £2,700 (only 4 more months and this can be cashed in and hopefully not spent immediately, as before :o
    TSB regular saver: £250 (new)
    M&S regular saver: £2,050
    HSBC ISA: £383
    Friends: £920

    So, all in all I'm about £2,200 off being debt neutral. Now that's definitely doable for my birthday. Phew!
    * * * Catriona's Credit Card Countdown * * * from -£16k to debt neutraldom - for my debt diary click here
    Barclaycard -£5,867.52;
    mbna1 - 3,009.22
    mbna2 - 1,755.70
    Savings £5,017 MFiT #25 £2,627/£10k; daily interest £5.04
  • Orange_EnaOrange_Ena Forumite
    1.3K Posts
    catriona79 wrote: »
    Happy payday to you too. We are moving in the right direction. :)

    Ah, yes, I'm going to celebrate birthday and my debt-neutraldom by going yo Morocco for three nights. Can't wait! Flights and accommodation already paid for, and accounted for in my budget. Now I will only need to find about £300 for food whilst there and some souvenirs or similar. I've always wanted to go - cannot wait! It's a really happy occasion I have to say :)

    Ha, re worry, I think with me it's just in me and will always be there one way or another, but I guess I have to work with it. I am sure becoming debt free counts as working towards it :)

    Amazing morning in bed and I've got the whole of next week off, it's an amazing feeling! :)

    Hope you're enjoying your Sunday - I'm off to read your news now.

    Woo hoo, that sounds like an amazing plan :T:j Where in Morocco are you going? I went to Casablanca and it was amazing.....but I can't go back........I disgraced myself :( I was in a shop looking at tagine, wandering around, and I didn't notice a load of mini tagine ornaments stacked in the corner on the floor. My foot hit something and I honestly thought I was about to fall down a hatch in the floor, I lost my balance and my other foot crushed about 20 of these ornaments to smithereens. :rotfl::rotfl: How embarrassing :D;) Anyway, I digress. You'll have a fab time :)

    Sooooo jealous of your week off :o:p Have a lovely relaxing time :)

    Sooo jealous of your closeness to debt neutraldom too :):)
    Debt Apr 15 - £6895.44 :( Apr 17 - £2500 :) Dec 17 - £560 :) July 18 - £199 :D
    CHEFS challenge (Cruise Holiday Entirely Funded by Surveys) - £685.79
    Every penny is a prisoner :D
  • Orange_EnaOrange_Ena Forumite
    1.3K Posts
    Hey, hope you're ok. Payday creeping ever closer........12 days for me :T:D
    Debt Apr 15 - £6895.44 :( Apr 17 - £2500 :) Dec 17 - £560 :) July 18 - £199 :D
    CHEFS challenge (Cruise Holiday Entirely Funded by Surveys) - £685.79
    Every penny is a prisoner :D
  • Orange_EnaOrange_Ena Forumite
    1.3K Posts
    I guess you've had a payday or 2 by now! So happy payday :beer:

    Have a lovely bank holiday Catriona. Pop in soon :)
    Debt Apr 15 - £6895.44 :( Apr 17 - £2500 :) Dec 17 - £560 :) July 18 - £199 :D
    CHEFS challenge (Cruise Holiday Entirely Funded by Surveys) - £685.79
    Every penny is a prisoner :D
  • Hi Caitriona!

    Hope you are having a brilliant time in Morocco. Looking forward to an update
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
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