Really should know better

debtfreeme2015

Well spent £2.89 today but went to the local shop could have stopped in Te**o and would have been cheaper but probably would have bought more

Thrifty_Fashionista

I am back with parents after 4 years renting. My advice is to sort yourself out first. Living costs are always more than you think they will be, and you just end up getting deeper into debt. Clear as much as you can and then move out - you will be in a better position to budget if not sacrificing wages on debt and CC repayments.

I'm giving myself another 6 months (I've been back a year) to get my debts down and then will start looking again.
TF x

debtfreeme2015

Thrifty_Fashionista wrote: »

I am back with parents after 4 years renting. My advice is to sort yourself out first. Living costs are always more than you think they will be, and you just end up getting deeper into debt. Clear as much as you can and then move out - you will be in a better position to budget if not sacrificing wages on debt and CC repayments.

I'm giving myself another 6 months (I've been back a year) to get my debts down and then will start looking again.
TF x

Thanks Thrifty Fashionista. I think im going to throw as much at my loan as possible for the next few months (now have my emergency fund) which will reduce the total and the interest I pay each month but at the same time find out what I can about shared ownership as am reading some mixed reviews (although how I will ever get a home without it I don't know)

Hopefully this will be my motivation. Will also look around for a second job

debtfreeme2015

not a lot to report. money goes off of loan on Friday so hopefully that will be a few pounds off

HOK3Y

debtfreeme2015 wrote: »

not a lot to report. money goes off of loan on Friday so hopefully that will be a few pounds off

I'm sure that's going to feel fabulous!

debtfreeme2015

Just paid £7 off of the loan . not a lot but needed to do something to make it seem like its going down. I predict it will be 11773 after Fridays payment

debtfreeme2015

2 o'clock in the morning and I can't sleep. Money. who'd have thought it could cause so much trouble.

Paid another £200 of the loan. seems silly having it only earning 0.75% Just got decided if I take another £1000 out and pay off then resave:think:

HOK3Y

Well done - tough decision but probably the right one.

debtfreeme2015

Off to pick my niece up from pre school. have to pass the local farm park on the way home. Depending on how tired she is might pop in and treat her to a juice and a cake will see how she is. have a good afternoon all

debtfreeme2015

Spent £12 today but bought dinner for everyone one need to get petrol tomorrow so that will be a big spend but not bought any for 2 weeks.

Going to try to sleep tonight but have my niece sleeping over and shes snoring lol