Debt Free but the journey continues

natlie

Hi All,


I have been feeling a bit lost since I paid off my debt in Autumn last year. I still have some debts as follows:


Student Loan £4260 (This comes directly out of my salary £134 per month)
Tesco CC £2400 (0% until Apr 2016)
MSC Fees £178 per month (until May 2015)
Next £154
Very £50 (0%)
Tax credit Overpayment £22 (until Sept 2015)


I have around £27,000 in my savings, I am not clearing these debts with my savings as most of them are 0%


I am trying to save monthly and I am keeping a budget but I don't seem to be saving or its miniscule like last month £4


I am still Ebaying as much as I can and when I can I work full-time, I have 3 children, my husband can't work due to illness and isn't entitled to benefits as its mean tested, we also don't get tax or child tax credits anymore.


I am fully responsible for our budget which is stressful. I don't feel like I belong on the savings board as they are all experts, I don't feel like I fit anywhere so I am making a home for my self here for now and I hope you don't mind.


I am saving to buy a property abroad - my dream is to buy a house we can let in France - having sold my home last year - we rent now and its great. I need to live frugally to enable this dream to happen and I have learned a lot from here including wombling which has earned me a great deal of Tesco Fuelsave points


I will be updating my diary when I can.


Nat