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

Trixxibell

CC still not in my purse which is good xxx getting paid £100 for OT tomorrow £50 going into my bank account and £50 of cc. That's all to report still doing OT, and keeping outgoings to a minimum xx

Trixxibell

More OT booked for next few weeks. Just sleeping and working at the moment.

Trixxibell

Hi all,

Just been slimming down the bank account again. Savings account standing orders have all stopped for now, I cancelled my gym membership, my student loan standing order (still being taken out of my wages), I've reduced my phone plan, my water DD has been paid now until next year April, my cinema pass I can't cancel until December.

But that's it all frills cut from bank account. I was trying to save and debt cut at the same time not working I'm knackered working all this OT. So I'm just going to do this one step at a time xx

Have a good day everyone I'm off to bed before night shift xx

Trixxibell

CC is now £0 after reading MrMoneyMustache and Martins advice I've decided to treat my debt as an emergency that needs clearing ASAP instead of trying to save and clear debt simultaneously.

My next clear is going to be hard I'm taking my emergency fund and my savings towards my car and clearing my debt to the wftc it's about £2,150 still owing. But it's another debt wiped out.
This will bring my monthly outgoings down to £800 per month leaving me with a large amount to put towards next goals.

Although I've paid my half to the holiday I've got the passes to buy and some activities to pay for.
Pay off car finance
Pay off student loan
This month will be towards New York City Pass and the helicopter ride both are Xmas presents for kids and hubby.

Signature update will be done soon xx

Trixxibell

Slight edit to my last post doing some research I'm not paying off my WFTC as I've noticed a few forums where the following tax year the amount owing changed. I'm leaving this one for abit. Instead Im going to use the money to buy my NYC passes.

mum2one

Wow to the credit card and uve done so well with New York, hope ur managing to get some rest, xx

Trixxibell

Hi all,

I'm still here just saving now to pay off next debt. Will put my next goal figures on here soon xx

Trixxibell

Cliche, It's New Years and I'm back! But at least I'm back! I have had this diary for 2 years and still not debt free. Was going to start a new one but what's the point I'm still me and my journey has been my journey a new thread isn't going to change that.

So here we go my final year in this debt free battle next year I will be saving for a house.

7 weeks until I go to NYC, so I won't be paying off much before I go as I need spending money. But I do aim to rein in my outgoings to a minimum before I go.

Update: since I've been gone I've got a new job closer to home, I start next month that will reduce my outgoings dramatically thanks mr money moustache for the advice.
I have used my cc and owe £900 on that ��
I have a weekend away coming up its all been paid for except for spending money.
I have cut down my overtime by at least 80% I've enjoyed being home it's great, but I've got yearly bills coming up so I need to ensure I've got the money for those.
I started buying lunch at work again and getting takeaways all those have to stop..
I know the steps to take I just need to make those steps habit...I will update my signature tomorrow and will pick one debt at a time to work on.

Happy New Year night everyone xx

mum2one

Happy new yeAr, congratulations on the job, wow to nyc come throu so quick. I'm in Lapland for new yr with DD come home 2mor it was an expensive break but one in a million experiences xx

Trixxibell

Lapland wow!! That sounds amazing xx hope you both had a lovely time happy new year honey xx

I have been totalling up my new debt figures:

£800 Owing to CC need to clear with January's pay, the hotel for NYC will be going on here as my wonderful hubby has given £750 towards our holiday instead of £2500. So I'm having to make sure my cc is clear before the holiday for the hotel to go on. Then clear it when I get back.

£12,610.56 is the settlement figure on the car I'm going to pop into the car dealership tomorrow and see how much they will have my car for and if it's enough to clear the settlement figure. My new job means I won't be travelling as far and my hubby has brought a big estate so it's pointless both of us having a big car so I'm going to downsize and get a much smaller and cheaper to run car.

£6,500 Student loan continues to come out of wages

£2,317.48 WFTC overpayment pay back debt.

Total is £22,225.04 I know I won't get a lot done before NYC in terms of debt reduction but if I can get a realistic picture from the car dealership tomorrow I'm on the right path.