bbk87 debt free diary :)

bbk87

This is my debt free diary.

My debts are as follows;

Littlewoods - £249.94
O2 (Phone) - £62.50
EE (iPad) - £370.67
Aqua - £283.03
Capital One - £185.12

TOTAL = £1151.26

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I pay £50.00 per month to Littlewoods, this is 0%.

O2 is being paid off on 19th Jan, payment set up.

I pay £20.00 a month to Capital One via DD.

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I need to set up a payment plan for Aqua and EE. Luckily EE I can pay what I want at the moment via the EE website.

I've done quite a bit of overtime the last month which I get paid on 16th Jan, however car needs a service as hasn't had one in two years and is getting a tad sluggish so need to get this done first!

This is just my starting post, so I'll post more each time I pay something off on my debts.

bbk87

In aid of trying to clear my debts and save money I'm trying to change the way I eat and drink at work to save money.

I used to buy a bottle of coke every day at £1.30, which meant on a normal working week I was spending about £7.50, however now I've decided to drink Ribena, as we have a water cooler in the office. Ribbon bottle cost me £3 for a 2L bottle - this will last me about 2-3 weeks!

As for lunches, I still need to work this out

bbk87

Just looked through my incomings for next month and all my debts.

My Aqua card is £238.03, and arrears are £127ish. I've arranged a DD to pay £130 on payday as I did a lot of overtime in December. That way I'll only have £108.03 left on the card. I've set the account to pay the minimum balance, but I will over pay this each month, hopefully clearing it in two months!

helpme_115

Have u done a soa? (Statement of affairs). People might be able to help spot where u can make savings (certainly helped me)

Good luck though, will keep an eye on your diary

bbk87

I was off sick from work on the day that the overtime sheets needed to be in by, so I'm not getting my overtime in January, I now have to wait till February

So, this means that in Feb I'm going to offer F&F on Littlewoods, EE and Aqua, as I'll get the overtime for Jan and Feb in one go