My diary to becoming debt-free.

Knalchemist

This is just my diary on how I am becoming debt free.

It is mainly so that I can see what, and how I'm clearing my debts. However, others can also see what I'm doing too

So, my debts…
O2 (CWB) - £77.07
Three (Moorcroft) - £23.16
Provident (CK Edrupt) - £390
Aqua - £397.72
Littlewoods - £493.94

TOTAL DEBT - £1,381.89

This month at work I have done some overtime, which is enough to pay off my two smallest debts.

I have phoned CWB, and have arranged to pay the whole £77.07 on November 29th, which is Payday. I phones Three who informed me my debt is with Moorcroft. However, Moorcroft could not locate my account on their system. I will attempt to pay the £23.16 via Three's online e-pay system on November 29th.

I pay £50 every 4 weeks to Provident. I will continue to do this. I accidentally cancelled the DD, so need to call them to re-instate this. If I do this, it will be paid off in June.

I am receiving a deposit refund soon from my old place I just moved out of. With this I am planning on clearing the arrears on the Littlewoods account, and then setting up a DD to pay the rest via monthly instalments. I am also hoping to bring the Aqua CC back within the £250 limit, and pay £50 per month off.

Once I receive my deposit, I shall be back!


EDIT - I found a letter from Three with their bank information, in order to pay them directly. I have set up a payment for November 29th, for £23.16!!

Knalchemist

November 26th.

Paid off £100 on Littlewoods, bringing it down to £393.94.
Also paid £125 off on Aqua, bringing that down to £226.72.

Will make extra payments to Aqua whenever I can (even if it's £5).

Knalchemist

Paid Three (Moorcroft) £23.16. This is now all paid off!

DawnW

Well, done, you seem to be making good progress there :T.

Won't be long before you are debt free at this rate

Knalchemist

o2 is now paid off! Woo.

Knalchemist

Another £50 paid off on Provident!

MrsGSR

Hi there, looks like you are doing really well! Well done! You'll soon be DF.

Knalchemist

I hope I can stay debt-free this time!

I really need to sort out my budgeting, especially for eating whilst at work (I'm working full time + over xmas!). I'm just such a fussy eater!

Knalchemist

Payday is in just 17 days. Any money left over from this month will be paid off on the CC!

Looking for some savings clubs to join on here so that I can stay debt-free! The support of this site really helps!

Jonesy88

Well done on your progress so far - it looks like you mean business!

Knalchemist

I'm trying so hard to clear these debts and stay debt-free. I will NOT be leaving this site ever again! The support here is amazing, and the challenges give me a great buzz haha!