Smithyboss' Journey

Raggydoll85

Well done on the extra virgin payment

Im also clearing the smallest debts first (2 of them) and then the OD of one account as that can get demanded back and then my CC... the other OD is on my current account so that will be going up and down till im sorted

am subscribing hehe good luck

Smithyboss

I also pay £10 a week to two OD's. The current account I have now doesn't have one, thank God. Barclaycard is due tomorrow so I'll pay £50 off that, then it's my nieces birthday on Wednesday, £20 for that and on Saturday is a friends birthday, £5 on that. And on Saturday night I'll be celebrating my birthday, cocktails with the girls at mine and then head into town, don't want to spend more than £30! :beer:

Am off to work soon, so today will be a NSD. And as I'm on the late, I get to keep anything that's going out of date. (I work in a coffee shop). Brilliant if there is sandwiches as my niece will have these for college tomorrow. :T

AlexLK

Is your SOA realistic? £30 on groceries, just over £30 on electric? I think you need to revise your numbers. Then look at clearing the credit cards (one with the highest interest rate).

SkintLittleFingers

As a fellow Newbie, just wanted to drop by and offer some encouragement. You're doing a great job, it cant be easy. I echo the comments of Mara... throw any spare cash at the C/C's first, only when they have been paid would I over pay the Mortgage.

Regards SKLF

Smithyboss

AlexLK wrote: »

Is your SOA realistic? £30 on groceries, just over £30 on electric? I think you need to revise your numbers. Then look at clearing the credit cards (one with the highest interest rate).

Yes, my DD for gas and electric is £66, I have been paying this amount for about 6 months now. I hardly use any. I work 9 hours a day and I walk to and from work which is 45 minutes each way.
As for groceries, £30 will fill my larder and freezer. I will live off whatever I can until I have to go shopping again, even if that means toast for dinner. I'm lucky that I can have the food going out of date from work, tonight for example, I had a ham and cheese panini, no cost to me and saves my food for another time. If I'm on a late, (7.30 finish, home by 8.15), I'll tell my niece to have food at her dads, saving another meal. I have no treats in the house, I'm very strict on what I buy. I probably have dinner at home 2 maybe 3 nights a week.
I'm also very lucky that I can go to my mums whenever I want for food.

Smithyboss

Today has been a very productive day, I cleaned my house from top to bottom, mother did some finishing touch jobs (wiring, painting etc.) and I did 4 loads of washing. Go me! I also paid my last £2.56 into the mortgage account.
I applied for a credit builder card the other day and they actually said yes! This is where it starts. I'm allowing myself a £5 limit a month and then paying it off in full, I can then hopefully look at a balance transfer card next year. Pay day tomorrow, I can pay Barclaycard and a little bit off the others.

Feeling positive now, hope everyone has had a good day!