Little steps to be debt free

lav1979

I managed to get debt free and well now I am not !!!. The reason is overspending no other excuses needed. I am only setting one goal and that is to be debt free again

HSBC - 2140 not interest free
BARCLAYCARD - 2159.76 on 0% for 26 months
NATIONWIDE - 1570 0% for 12 months

so total debt 5869,76 :mad::mad::mad::mad:

I make automatic payments to Barclaycard of 100 pounds a month and that will be cleared within time frame. Also 50 pounds a month to Nationwide. But have realised that need to swap these amounts around.



oh back after 10 mins
BARCLAYCARD NOW 4361.82 0% TILL I/7/15
NATIONWIDE 1570 0% 12 MONTHS
HSBC NIL AS TRANSFERRED TO B'CARD
TOTAL 5931.82 INCLUDING TRANSFER FEE BUT ALL AT 0%

The essential thing is I must not spend on HSBC:cool::cool:

So payments from 1/7/14 to ensure no interest added

BARCLAYCARD 364
NATIONWIDE 131

I can manage the NW payment however BC will be 182 which is half but hoping to make PADs and earn extra from overtime, Ebay etc.

Also will do 0% transfer if I can next June to avoid any interest.:A

I would love to be debt free by Christmas but I must be realistic and hoping little steps will get me there.:D

SO ALL DEBT IS INTEREST FREE :j:j:j:j:j

lav1979

PAD 1.82 to B'card - 4360

I hate odd numbers !!!!

lav1979

8 items on Ebay up to £12 so far before fees. Listings end Saturday night so hoping for another PAD.

Swagbucks up to 399 one £5 Amazon voucher already banked, going to use these towards present stash.

IPOLL 3.23

lav1979

Ebay up to £17 10hrs to go will make a PAD later x

lav1979

First buyer has paid so a PAD of £8.19 after fees has been chucked at B'card.
so £10.01/182 which is the other half of the B'card payment I can't automatically pay. so 5.5% found xx

B'CARD TOTAL NOW - 4351.81

Being_Frugal

Well done. I going to tackle eBay later,have a few items I want to sell.

lav1979

Thanks I know Ebay can be tedious at times and for little return after fees etc but little steps. Though have had a doh moment as forgot to leave postage in current account but 2nd buyer paid so all balanced out phew !!!! Actually have 50p lol to chuck at the card but will wait till more have paid xx Hopefully will be near the £30 range after fees and if everyone pays. Just worked out that will be 16% of target. Think I am getting obsessed with percentages.

lav1979

Another £9.90 including that 50p!!!!!!

So £19.91/182

so 10.6% achieved xx

lav1979

Sorry me again, I'm PADing as each buyer pays after fees etc so another £2.43. This prevents me spending it !!!!!!

So £22.34/182

That means 12.3% has been paid.

shinner

Well done you are doing fantastic with your PADing.

lav1979

Thanks I think this is the way for me as PADing is so encouraging through the month once regular payment is made. I will have a root round if there is anything else to put on Bay of E. Two unsold automatically re listed so fingers crossed. Also put no returns to reduce my stress levels. I have to be in the right frame of mind for Bay of E but an extra 22.34 for a hours work is not a bad return.