Bringing that debt free date forward

vix1978_2

I've had a few false starts but it's got to the stage where the level of debt we have is seriously stressing me out. So I've put the totals into whatsthecost and we currently have a debt free date of November 2019. Luckily at the moment we can make some overpayments, although in reality the money is being kept in a holding account whilst we are on 0% deals as we are both in short term work (me temping, himself a contractor). I'm also hoping as and when the time comes to utilise some 0% transfer deals we are often offered with exisiting cards.

We have a lot of 'stuff' in the house which I am going to go through and sell, a bit at a time to make it less overwhelming. Hopefully, this too, will bring that debt free date forwards.

I've been through our outgoings and have reduced things where I can on our SOA. I know we can improve further on groceries and the amount we eat out so I'm going to keep an eye on both of those over the next few weeks and see what we are doing/what we can do better.

I'm going to use this to log what I do and bringing the totals down.

Today's total stands at £63,610.54.