Debt Free by 2017... (Hopefully)

SMD_1402

belleandthebudget wrote: »

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

Thank you, hoping so!


I have updated my signature now - think there will be a £33 fee when transfer has completed on New CC but I will pay that so totals will be as below.


At least some of the balance is 0% now so interest payments won't take up so much of payment each month.


x

SMD_1402

Ok, some of the money that was sitting in various accounts from online earning I used to pay the £33 charge from balance transfer.


Totals are still as in my signature but I do have about £60/70 left online to withdraw and I can pay that from CC1. Going to concentrate on paying that off as the newest card is 0% anyway.


Almost another two weeks until payday but hoping to at least pay another £300 off CC1 and £50 to the new card.


I am working extra this week and will have a spare £50 so I am going to try to use that as an extra payment as well.


Fingers crossed for me! How is everyone else doing?


x

SMD_1402

I have lunch in with me at work today so no spending there. I also cashed out £10 from Mintvine - a survey site. I tend to go on just once a day and do a quick survey and that works out as a cash out every two weeks roughly. If anyone wants to try it my sign up link is..
https://mintvine.com/users/register/dd7487f57860cc29646f6aed3


I do have a birthday present to buy at lunch and another next week but I am going to try to bring in lunch to make up for that.


My only spend yesterday was £5 at slimming class.


I also lowered the credit limit on CC1 from £7,000 to £6,000 so I am not tempted to use it in an 'emergency'! Worried this might affect my credit rating but I really didn't want to be tempted to use up the extra space after transferring the small balance to new card.


Anyway...that's only updates! Feeling like I get nowhere - I pay it off then put it back on but hopefully lowering the limit and getting rid of card will mean I can't do this.


Fingers crossed...and purse closed!

andrewbro

Keep going - well done so far!

SMD_1402

Well payday has been and gone and already the bank balance is much lighter!!


I have updated my signature though...:T


Hopefully have another good month and get at least another £400-£500 paid off by the end of August.


I have been bringing lunch in with me so not spending much there - although I have been spending a little more on groceries as I have been dieting and this healthy eating malarkey is expensive :rotfl: I have lost 8 lbs in the last four weeks though so at least it is working. Slowly but surely...with both the debt and the weight it seems!


I have loads at home I need to clear out - not sure whether to eBay, Facebook or do a car boot to get rid but aiming to do this soon.


How is everyone else getting on?!


xx

SMD_1402

Well... I have been super quiet! Sorry!


Updates...I managed to get two 0% balance transfer cards (limit wasn't high enough on just one) so have moved funds about a bit which has resulted in three cards, all with 0% interest for the moment. CC1 is due to charge interest beginning in December so aiming to pay that off first.


By my calculations I should have paid it off in full by April/May 2016 and the other two by July/August 2016. Half of me is pleased they will all be paid off by then and the other half of me is like f*ck that is so far away.:eek:


After that I will still have the overdraft to pay back as well but at least that shouldn't take as long.


I am due annual leave the week after next so plan to have a clear out at home and get rid of old clothes/toys - possibly on Facebook if there is any interest, failing which I will take them to the local charity shop.


Also awaiting payment of £50 from Swagbucks/Mintvine. Referral link is below if anyone would like to sign up...
http://www.swagbucks.com/refer/SRMCB88
https://mintvine.com/users/register/dd7487f57860cc29646f6aed3



Finding Swagbucks really easy at the moment - just doing the daily offers/surveys and using it as my search engine to meet the daily aim and then getting the bonus from Swagbucks for doing that. Sometimes I just take Amazon vouchers but went for PayPal this time to make another payment to my card!


Anyway, enough waffling...how is everyone else doing?! Any advice on other ways to make extra payments?