A whole new world

SarahPennySaver

Forgot to say - you mention going through loads of books, do you use your local library's ebook service? I completely rely on this as I can 'borrow & return' books 24/7 without running up those pesky library fines. I also subscribe to BookBub which sends you a daily email with free & low price Amazon book offers, they tend to be less well-known authors but I've found some good freebies on there, just have to stop yourself buying the rest of the series at full price!!

belleandthebudget

Hi Sarah, thanks for coming by! I'm not even sure if my library has an ebook service - I should definitely check! I love the library but Saturdays end up being the only day I can take books back because of their opening hours so an online service would be perfect, thanks for the tip. I have some Googling to do.

crunch_time

Yes just wanted to say you are doing very well paying it all off before you are 30!! Good for you and all the best! I shall be reading along xx

tallyhoh

Have you thought of ebaying some of your clothes & using the money to buy any new ones? Depending on your clothes, which I am sure is good stuff, there are bound to be dress agencies in London who will sell them for a fee.

MrsSave

Hi :hello:

Subscribing. You're doing well. Good luck with your plan

moneyonmymindsam

Evening Gorgeous Belle

You're doing great!!! you've already made a big dent

Keep up the good work Gorgeous girl!

MMS :_)

belleandthebudget

Crunchy, Tally, MrsSave - welcome. It's like a virtual party in here already! Really appreciate all your comments and support.

Sarah - thanks so much for the ebook library tip. Turns out my library does have a small ebook collection and I downloaded the free app so I can borrow books on my iPhone or iPad. Got four waiting for me now!

Crunchy - I wish I was starting this a little earlier in my twenties but the milestone definitely gives something concrete to aim for! I'll be so pleased if I can make my goal.

Tally - that's a great idea. I'm not sure I have much that would be nice enough for someone to sell on commission. In the past I've adhered to quantity over quality except for designer jeans. But I'm not sure I'm quite ready to part with them yet. Some of the nicer or unworn stuff could be worth eBaying though.

MrsSave - thank you. I think this might (sadly!) be the longest I've stuck to any plan to get out of debt. Usually I start strong and three weeks later I'm done with it and adding more to the cards instead. So happy to be tackling things now.

belleandthebudget

Hello Sam! Thank you - I can always use the cheerleading!! Knocked another £50 off the cards today so need to update my sig.

That might be my favourite part!

belleandthebudget

Not much to report today, but I moved a few more pennies into the emergency fund so it's now sitting at £89.82/£1000. The goal is to hit £1000, then 3 months wages (about £5500), then 6 months wages (about £11,000).

It's strange but I realised this evening that if I actually pay off this debt it really won't take long to save the kind of deposit I would need for a mortgage. It's always seemed impossible... especially in London. But it's not. It just takes some effort and scrimping. I can do that.

belleandthebudget

Oh, I should also say: ONE WEEK UNTIL PAY DAY!

I'm really looking forward to paying a big chunk off the cards and getting back into YNAB properly. Hah, never thought those would be things to look forward to but it's nice to take control of my finances for the first time.