Working towards being debt free and a new house.

dipdap

Hey diary
Hey DB (and anyone else who still pops on for a read)
I've been meaning to pop back on and post but actually sitting down and doing it is a different matter!
Been working extra hours to earn a bit of extra cash
Will pop back on later today to work out our outstanding debts for the end of August.
Feeling positive going into September already (but that could be because the kids go back to school soon )

Dobbibill

Hey dipdap,

Glad your OK.

I look forward to your update later, I'm sure the extra hours have helped.

Yay for the kids going back to school, it's lovely to look forward to a new term with them and the peace and quiet of course

dipdap

Debts for end of August

£1,220 CC 1 balance is now paid off every month so no interest is accrued
£2,900 CC 2 0% BT until March 2016
£3,400 CC 3 0% BT until January 2017

Total outstanding £7,520

Not as low as I had hoped it would be by now. But it's a start

Dobbibill

dipdap wrote: »

Debts for end of August

£1,220 CC 1 balance is now paid off every month so no interest is accrued
£2,900 CC 2 0% BT until March 2016
£3,400 CC 3 0% BT until January 2017

Total outstanding £7,520

Not as low as I had hoped it would be by now. But it's a start

That's still decreased by £623 since your last update, which is fab :T
Even if that was the amount you paid every month, the debt would be gone in approx 12 months, although I know you are aiming to be done way before then.

Looking on another bright side too, you are almost 90% of your overall debt being paid. That is absolutely fantastic.

Remember to look how far you've come before you worry how far you've got to go

dipdap

Hello diary
Just paid £658 off CC 1, balance brought forward for this month was £1258 :eek: so that's half paid off, just have to pay the other £600 before the end of the month so as not to acrue any interest (I'll use my overdraft for the odd day before payday if I have to).
Not done too well at earning extra SB so have started doing overtime at work (I've been offered 5 regular hours a week :j)
Have applied for a new job :eek: just waiting to hear back if I've got it, if I get it I'm happy, if I don't I'm also happy so win, win either way
Need to crack down on this debt busting, we went out for dinner today and it cost over £30 :eek: sensible head said we shouldn't go but we went anyway
Kids back to school now so I really should sit down and update more often as I'll have spare time to do it

Dobbibill

Good luck for the new job - if it's meant to be then it will happen.

Not knowing is horrible so I hope they don't keep you waiting for too long.

dipdap

Hello diary
I'm so sorry I'm still neglecting you
I didn't get the job boo!
Oh well, onwards and upwards, I'm still doing overtime at work so feeling useful in that way
Will try to pop back on tomorrow

Dobbibill

Hi dipdap,

Nice to hear off you.

Sorry you didn't get the job. I'm a great believer in fate and there will be reason why you didn't get it but sometimes it takes time to find out what the reason is. (Hindsight and all that.) Chin up

DB

abba1772

Sorry to hear about the job but love how you're turning your overtime into a positive thought xx

dipdap

Hi you 2, thanx for swinging by
Some good has come out of me applying for that job though as my manager has given me a bit more leeway with my current hours, means less stress for me :j I've been threatening to leave for so long I think they'd stopped taking me seriously :rotfl:
Doesn't mean I've given up on the job hunt though the right job will come along eventually
Finally sat down to do some internet banking this morning and set up some future dated payments for the end of the month when payday comes around. Managed to stuff up and accidently send one today so I'm now £100 into my overdraft :mad: that'll teach me to pay more attention next time :rotfl:
Keeping my fingers crossed the amount owing on credit cards has gone down by £1,000 at the end of the month :eek: :j