No more being "FinanciallyUnsavvy" in 2014!

sassychick2014

Morning!

If you can pay your od off by May/June you'll have done brilliant and can focus everything onto cc1, excellent!

It's so cool when you start to see debts not just reducing but cleared too. Gives you a big boost.

Have a great week x

misstara

Hi, yay you're doing so brilliantly, 27% already :j As sassychick says once the OD is gone, you can focus everything into paying cc1. You're definitely on track to be debt free by Christmas

StressedSteph

Hi Kim,


Wow you are doing fantastically. April is going to be your month.


Will be fantastic when you clear the overdraft and can start hitting the credit card really hard.


I am just getting to the point where the snowballing REALLY starts to work. The amount I have to hit my Next card is now £430 per month. Can't wait to get going with it. Its really bad but would just like to fast forward to the end of 2014 hehe.


Keep going hun. You can do it. I keep finding more and more things to Ebay. Stuff that I would never have thought of before, but it is amazing how much stuff we have lying around that we don't use.


Go rifle through the attic or the shed. xxx

FinanciallyUnsavvy

sassychick2014 wrote: »

Morning!

If you can pay your od off by May/June you'll have done brilliant and can focus everything onto cc1, excellent!

It's so cool when you start to see debts not just reducing but cleared too. Gives you a big boost.

Have a great week x

Thanks Sassy!

The overdraft will DEFINITELY be gone by May payday. Possibly even sooner if I keep busy with 63336 and ebay. It will be such a nice feeling when it's gone, since the overdraft has been looming over me since my first year of uni.. so almost 8 years!! :eek:

misstara wrote: »

Hi, yay you're doing so brilliantly, 27% already :j As sassychick says once the OD is gone, you can focus everything into paying cc1. You're definitely on track to be debt free by Christmas

Thank you Tara xx

StressedSteph wrote: »

Hi Kim,


Wow you are doing fantastically. April is going to be your month.


Will be fantastic when you clear the overdraft and can start hitting the credit card really hard.


I am just getting to the point where the snowballing REALLY starts to work. The amount I have to hit my Next card is now £430 per month. Can't wait to get going with it. Its really bad but would just like to fast forward to the end of 2014 hehe.


Keep going hun. You can do it. I keep finding more and more things to Ebay. Stuff that I would never have thought of before, but it is amazing how much stuff we have lying around that we don't use.


Go rifle through the attic or the shed. xxx

Thanks Steph!

Well.. I don't have an attic or a shed so that's ruined that plan! :rotfl:

I do have a lot of stuff lying around though, and perhaps I may even have to rifle through my parents' attic as I know I have a few boxes up there that contain god knows what in them!

Magsnoodle

Well done you. These posts help everyone else to keep going to and shows ways we can all add to what we are saving.

Keep up the good work. xxx

FinanciallyUnsavvy

Magsnoodle wrote: »

Well done you. These posts help everyone else to keep going to and shows ways we can all add to what we are saving.

Keep up the good work. xxx

Thanks for stopping by and giving your support Mags! xx

FinanciallyUnsavvy

Made two sales yesterday - a PS3 game and a Blu-ray. After fees, I've been able to transfer another £20 against the overdraft!

StressedSteph

FinanciallyUnsavvy wrote: »

Made two sales yesterday - a PS3 game and a Blu-ray. After fees, I've been able to transfer another £20 against the overdraft!

Well done Kim. Its amazing how these little bits add up. :T

sassychick2014

Morning hon

Another £20 is brilliant! Keep it going x

elfy1807

Hi.

I've just caught up on your entire diary and would like to say you're doing fantastic!!

A couple of things caught my eye though.
Firstly - your attempts at WW... "attempts" are all I do as well =(
I lost 2 and a half stone last summer and got to my goal weight, and since then I've put on about 5-7lbs (up and down throughout the year since november 13) and have lost all my motivation.
One week I'll be perfect, on it like a car bonnet, then the next, eating whatever I like.
And then get bummed out about not being slimmer =(
But hey ho.

The other thing that got me was living with your partner.
I'm looking at saving for a deposit to live with my boyfriend in maybe 2016.
But as I've never lived away from home before, and I haven't lived with him (other than the month last October where I was at his house practically every night - he has his own place but is currently renting that out and living at home again to save - but I wasn't paying any bills there, just providing my own food), then it's going to be a big change for me.
So something I'm considering doing is seeing whether he'd rent for 6 months somewhere, see how I get on with bills, see how we get on living together etc before committing to something as big as a mortgage together.

But my point is - is this something you could suggest?
You said having him move in would save you about £300 a month, but daren't speak to him about it because you'd be explaining why - ie the debts.
Can't you use the "why" as wanting to see how you get on together as a couple that lives together & shares bills in a not so permanent situation??

Just an idea.


Anyway, keep up the good work.
Subscribed =D