WOW I must be serious this time.....I have a diary

Trixxibell

Looks like my latest update didn't update yesterday.

Got my latest CC statement yesterday £82 interest added to CC balance.....boooooooo:mad: however this should be the last month I'm paying any interest.

New balance to clear is £1,270.95

But never mind got paid for OT today and I'm going to pay £200.95 off the total. I would have loved to have paid £270.95 to round it down nicely but £200.95 will have to do. Other spends today will include fuel. Meant to be going out tonight but can't face it too tired after working two nights in a row may have to cancel. (Was going to drive to save money)

Spends yesterday were £0. Working nights so no opportunity to spend anything.

I'm hoping I can aim for £200 per week, then clear the remaining balance on payday. It's really hard, as I could do with doing a toiletries top up shop and getting a few bits for the house we are surviving on bare minimum at the moment. But if can just clear this CC and meet the 100 day challenge I will no longer be paying ridiculous interest charges.

So close but still so far......that's all from me will update tomorrow. Think I'm behind on updating my challenges so will go and get those uptodate.

Trixxibell

Morning going into work in a bit to do some OT.

Re looked at figures £70 to CC today so new balance is £1,000 and I've got 27 days to clear it. Hopefully I can clear another £200 next week but we will see.

Have a great day everyone xx

nannytomany

Hi Trixxibel, well done so far, have been reading yours and Sassychicks diary and they both make great reading, you seen to work so hard but as you said you love your job that always helps. Will subscribe if that's ok, and keep up the good work it will pay off in the end. x

Trixxibell

Welcome Nannytomany xx I've wrote on your diary. Xx

Can't believe how busy work is today but all that's getting me through is the fact it's overtime and it will be in my bank account next week so I can pay more of the CC.

I've been blocked out of my CC online account for some reason so will sort that out on Monday as I'm working again tomorrow. Would have worked 60hours this week but it's worth it in the end.

I will be debt free one day.

I just can't wait to shift this credit card now. It's seems to have taken longer than before to go. On the 1st October my bursary would have been paid and my CC leaving only my car and student loan left to clear and my dream goals to save for I can't wait.

It's a family members birthday next week and I've offered to help with a few bits. Everyone's contributing something for the party so I'm budgeting £30. I think that's reasonable. I didn't go out Thursday night so saved some money there.

Don't know how I'm going to cope without checking my CC balance until Monday lol.

Oh well lunch is over enjoy your weekend everyone xx

nannytomany

didn't realise my diary was still going havn't posted for an age, enjoy reading everyone else's and not doing much about my debt busting, will have to start again a be serious this time.
Enjoy the rest of your weekend

Trixxibell

Morning all,

I'm off to work again finally have a day off tomorrow though :-)

Can't make a PAD because can't access online CC system until tomorrow when they unblock it.

Nanny, start writing in your diary again don't just be a watcher of everyone else's journey jump back on the debt free train.:D

So that's it nothing too report just tired hopefully this 12 hour shift goes quicker than yesterday did. Positive thinking....

Today will be a good day and I'm grateful I have this diary to get support and encouragement on my debt free journey.

Shelbi

Hi Trixbell,

Just playing catchup on your diary, £30 is reasonable for party contribution (thats a lovely idea too)..Ahh the dreaded lock out, if your like me youll start to have withdrawals, i check mine all the time, not that its moving very much at the minute hehe, hope it gets sorted tomorrow hun..have a great day at work, your doing so well with all these shifts and hours its really inspiring!! hope it goes quickly and its a fun day for you!!..xX

Trixxibell

Finally a day off work and it feels great I'm still in bed :-)

Been biting my cheek in my sleep and I've given myself an ulcer, I usually do this when I'm worried about something. Think the rotation at work must be playing on my mind. Start in new area tomorrow eek. Very nervous.

Need advice really thinking ahead to next month when I start paying off my car loan. Do I overpay monthly or do I save and pay in one lump sum? I've put this question on the main board as well want to do whichever option results in paying the least amount of interest.

Today will be a NSD on Fridays post forgot to add a spend of £40 on fuel hope it lasts the week.

Trixxibell

Okay I have phoned to unblock CC online account, just anxiously waiting for that to be done.

I've called the car finance company I can make overpayments at no extra charge however my interest is fixed so it won't be reduced if I overpay.

However if I make a lump sum (early settlement) they minus outstanding interest. So the new account the isa I've set up I will use to save the money in for repaying my car loan early.

There are 54 payments outstanding at £352.67 each and one payment of £497.67. The agreement should run over 5years but I would like to cut this in half! I'm keeping my monthly Direct debit going that won't change.

So I'm going to aim to save half the payments then call up with a settlement figure.

27 payments = £9,522.09

Can't wait until next month. My overtime income will go into my yearly bills saving pot. Then will use my monthly wages for car overpayments.

That's it then the plan is set for next month woohoo xx

Trixxibell

Well my CC account still blocked and last payment didn't go through I need to resend ID into them as I've changed my debit card. :mad:

Frustrating.com

After work I have to actually spend money nooooooo. My toiletries are totally depleted :-( I'm going to poundland and Tesco. Got a few bits to buy for the house lots of cupboard stock to buy.

Hopefully will be within budget of £90.