Debt Free by 2017... (Hopefully)

mumstheword***

No advice im sorry!
But it is good to see you back! And don't hide!!!!

SMD_1402

mumstheword*** wrote: »

No advice im sorry!
But it is good to see you back! And don't hide!!!!

Thank you, hope you are doing better than I am this month :embarasse


Both cards are cut up and deleted from PayPal etc so there is absolutely no way to spend on either of them now. I have taken lunch to work all week (mostly because I have no money to spend) :rotfl:


The cupboards are stocked full at home though after a big shop and payday is in a couple of days so I will survive until then.


I will need to be super good this next month after paying car insurance as well!


x

mumstheword***

I have car insurance next month and house insurance really messed my budgeting up this month - I cannot budget for toffee (which considering my job is a pretty poor show) and am having a nightmare cutting down foodwise! But I have been doing all I can to earn extra through swagbucks, ebay, FB sales, carboots, anything and everything and all extras are going on the debt! We are off on holiday on Friday so the debtbusting will be on hold for a week. But come June I am going to seriously put my heart and soul into cutting our food spend and wastage.
This morning I spent £84 on my credit card - for tickets to the Air Tattoo of all things, OH is desperate to go and see the Vulcan and it is its last flight - so its kind of an anniversary/fathers day gift! But I will pay this off as soon as I get paid!!!!

mumstheword***

How's it going today?

SMD_1402

mumstheword*** wrote: »

How's it going today?

It's hasn't been good..:wall:


My card is back up to £6,800 (I think). Somehow I managed to still have it registered to my partner's PayPal account and used it for shopping a couple of weeks! It has now been deleted!! PERMANENTLY. NO cards and definitely not on PayPal now.


So once I have paid this month's instalment which is a rubbish £200 due to the amount of family birthdays I need to put money by for this month it should be back to what my signature states!


I honestly do not know what I spend my money on. I tried to keep track of every single penny with YNAB and noting on my phone but still seemed to end up short with money missing?!:mad:


So mad at myself right now. Doesn't help that OH has been abroad all week with his mates while I have been at home with little one. Can't even afford a family holiday this year because I am putting all extra money I can in to CC.


Anyway, enough ranting and enough moaning. Here we go again..:undecided

SMD_1402

YAY! Good news. Accepted for 0% card today..finally. Low starting limit of £1,200 but at least I can transfer £1,100 and not worry about it when interest kicks in. At moment paying interest of 2.5%ish on balance of about £2,600 (£4,200 is 0% until November).

Will try to knock balances right down so I'm able to transfer again come November (I hope) and maybe get another card or offer on one of my current ones.

Have been trying to keep up with online earnings as well and have about £80 sitting in various accounts to withdraw but trying to let it build up a bit then make a payment to credit card with it.

Wish me luck ...

SMD_1402

3% balance transfer fee but should save in interest fees so worth it

MUM40

Keep going,you will get there eventually. Just a though what do you do with your child benefit, can you use that towards your debt payment x

SMD_1402

Thanks MUM40. Half of it is counted in my income figure and the other half I put away in an account for little one x

belleandthebudget

Congrats on being accepted for the card. Just keep going and you'll get there!