LullaBelle's long road to being debt free!

LullaBelle

Morning,

Yesterday was a NSD! :j:j
I had to stop in the shops this morning to pick up some yogurts. I got 2 packs for £4 and also had a 68p off voucher. I had some change left in my purse so I didn't need to touch the bank card again!

I am going to slimming world tonight but I have already paid for that (bought a countdown to get 2 weeks free) so other than my yougurts I won't be spending anything else today hopefully! Only 8 more days until pay day. I can't wait to be able to change my signature!!

LullaBelle

Today has been a NSD so far. I'm hoping it stays that way!!

I went to slimming world last night and it was taster night so it meant I had my dinner there. Saved me using anything in our cupboards! I also lost 2lbs so delighted with that.

Other than that nothing else to report. This day next week is payday and my debts will finally start coming down :j:j:j

LullaBelle

Hi!

I can't believe it's Monday again!!

I did well this weekend with my spending. It was my aunts birthday but I had money left on an M&S giftcard so got her present from that. :j

Also found a few things to put on ebay. Last night I listed my new slimming world book. So far there is a bid for 99p and 5 watchers. It ends on Wednesday so any money I get from that will go straight to the Barclaycard.

Planning for a NSD today. I accidently took DH's bank card to work today... at least that stops him spending too!

Only 4 more days until pay day :T

LullaBelle

I have just found out that I have to travel for work on Thursday... the day before pay day. So I am going to have to put petrol in the car for that. I get the money back but it usually takes a few weeks!! So my plan is to hopefully use the money I get from ebay. It is due to end tomorrow night so if I got paid on time then I could use that to fill the car before I go on Thursday. That money was suppossed to be for the Barclaycard but once i get my expenses in I will put that to the card instead.

LullaBelle

I am so annoyed, fed up, p1ssed off!

Yesterday I had to fork out £1434.50 for medical purposes. Obviously I don't have this kind of money so I had to put it on my credit card. I nearly cried when I left the place. I just can't believe I had to do this. I was so looking forward to pay day to see my debts going down and now they are getting worse. I really stressed out over this yesterday but it had to be done. I am just so annoyed I have let myself get in this position. If I wasn't in so much debt I would have savings which would mean I would be able to pay for emergencies like this! :(:(:(:(:(:(

I paid £11.50 off the card yesterday too so my total now stands at £6834.41:eek::eek::eek:

I'm not happy at all. I have 1 item finishing on ebay later today. The bids are up to £10.50 so far with over 20 watchers so hopefully I'll get a bit more. If I get paid for it tonight then I will use that money to get petrol tomorrow before I travel for work. Then Friday is pay day so I'll be able to pay off more of the Barclaycard.

Onwards and downwards...

LullaBelle

So it's been a while since I posted here. I was off work for a few days so I wasn't using the computer. I had a lovely few days off but it definitely wasn't good for my bank balance. I got paid while I was off and managed to pay a good bit off my debt so far this month. I paid a total of £221.29 off the barclaycard and £166.79 has come off the personal loan. So that's a total of £388.08 off the debt so far this month. My debt now looks like:

Barclaycard £6624.62
Loan £8166.05
Overdraft £450
Total: £15240.67

I can't wait to see the loan below £8k next month!

I had to order oil with this pay so that came to £188. Im going to make that last me until the winter. I'll hopefully get to October before I need to order more. With only 2 of us in the house we can usually go for a while with no heating on. Hopefully we get a nice summer too!:D

LullaBelle

I almost forgot... I bought a new top when I was off on a whim. I got home and caught myself on. So I returned it to the shop yesterday! I was very proud of myself for seeing sense!

LullaBelle

So I got my bill through from Barclaycard this morning and my estimated interest next month is £70 :eek:
I have spent the last hour researching balance transfer credit cards. I have applied and been accepted for a Halifax card. It is 0% for 35 months. They only allowed me to transfer £4750 though which leave £1900 on the barclaycard. So I will pay the minimum balance off the Halifax card for the next while and focus on clearing the barclaycard ASAP.

Beanie514

Hi LullaBelle

Hope you dont mind me popping in have subscribed to your diary.

Well done on the balance transfer, the Barclaycard def sounds like one to get rid of ASAP with interest like that!

Xx

LullaBelle

Hi Beanie, thanks for subscribing!



So my balance transfer has gone through. My barclaycard now stands at £1907.81. I'm just waiting on my halifax card coming in the post and also my new online banking details so I can start paying that off. I'm hoping to get rid of the barclaycard asap and then concentrate on the halifax card! :j

I got my electrical bill in at the weekend... £118 :eek: This is bad for us. It is usually no more than £80. I totally forgot it was due so I might need to pay that out of my emergency fund.