The time has come

in_need_of_direction

You'll soon only have enough room in your sig to list total number of debts cleared instead of itemising them.

Desperate_to_be_debt_free

Hi INOD I can't wait for the day when my signature posts my savings and not my debts. Don't think that'll be happening for a while though

I have managed to pay another £2 to the co-op so am off to update the signature now

Desperate_to_be_debt_free

I've taken a leaf out of CAfCGirls book today and made a list of all I need to do:
1. Put shelf up in bathroom
2. Clear washing basket
3. Clear ironing basket
4. Sort out make up bags and throw out old stuff
5. Got to Home Bargains for a few items
6. Steam clean floors
7. Tidy front room
8. Sort stuff for carboot sale
9. General tidy up

So far it's not gone very well as I've only put shelf up in bathroom, sorted make-up and been to Home Bargains. I'm working through the washing quietly but weather too bad to dry them.

My plan is to stay in tomorrow and catch up on whatever I don't get round to today

Going to have another 5 minutes tidying then going to do some cross stitch for half an hour.

Desperate_to_be_debt_free

Still not managed to tick anymore off my to do list. Have had a nice bath and decided to chill out on settee for the evening.

Fee disappointed that I haven't done what I set out to do but hoping tomorrow will be a better day.

Desperate_to_be_debt_free

Have just gone into online banking and there's a spare £4.50 there. Am going to transfer into the co-op account

Off to update my signature

Desperate_to_be_debt_free

Have managed to have a productive bank holiday and cleared all but one of my tasks (plus managed one or two more). Going to have a sit down for five before changing my bed and tackling the ironing

in_need_of_direction

And the next debt is below £30. Yay

Desperate_to_be_debt_free

This paying off debt is so addictive. I've decided to round off the pounds in the bank account and use the odd pounds to tackle the debt. Have just logged on now and there's a spare £7 so we know where that's going - to the co-op. Off to update the signature

Desperate_to_be_debt_free

Absolutely nothing to report today. No mail, no phone calls and no excess pounds in the bank account so no additional payment to co-op

Will have tax credits on Friday so should have a spare pound or two. Can't believe I'm looking forward to paying a few pounds off a debt. Really hope I can remain as enthusiastic to pay off other debts.

Desperate_to_be_debt_free

£43 tax credits hit the bank today and £3 has been transferred into the co-op account taking the amount owed down to £19.

I currently have 4 mis-sold ppi's that are being investigated with another 9 companies that I'm waiting responses from.

Wouldn't it be great if I could have a few refunds? I could pay off my relative, my poll tax debt and my Uni loan and that would save me £225 per month.

Hopefully tomorrow's mail will bring some positive news.