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Battling Debt and Mental Illness — and (hopefully) Winning!

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  • Thanks folks :)

    Orange — no, I haven't sold the guitar :( I made it clear I'm open to offers, but might drop the price to £20 and see if that helps.

    Transferred 9.46 to my savings acc, which will go towards Very payment. I'm now 59% of the way there with 3 months to go :D

    Asked my friend to ask a friend of hers who freelances for advice. She recommended a website called upwork.com so I will probably sign up, once I gather my confidence! Got my Working Links appointment this afternoon, so at least I have a bit of a plan in place. I'm also trying to think of people I know who might need editing, proofreading and copywriting — even if they can't pay me, I could get feedback and endorsements to put on my website and LinkedIn profile.
    Rainy day fund — 210/1000 Emergency fund — 1019/1500
    Loan — 424/19,224 = 2.2% Fun fund: 1/100 Credit card balance — 0
  • Added £9 to savings pot, which brings the total to £136 :j

    If I add my savongs pot to what's in my account, I have over 95% of my Very payment, which I need to pay in November to avoid interest. I probably won't put the savings pot in the bank, but it's nice to know I could. The savings pot is really my Xmas present money (if Amazon vouchers don't cover everything) and going out fund :beer:
    Rainy day fund — 210/1000 Emergency fund — 1019/1500
    Loan — 424/19,224 = 2.2% Fun fund: 1/100 Credit card balance — 0
  • Orange_Ena
    Orange_Ena Posts: 1,297 Forumite
    Brilliant work ABA, it's all adding up. :) Ah gutted about your guitar, it just seems too cheap for a musical instrument! :o
    Debt Apr 15 - £6895.44 :( Apr 17 - £2500 :) Dec 17 - £560 :) July 18 - £199 :D
    CHEFS challenge (Cruise Holiday Entirely Funded by Surveys) - £685.79
    Every penny is a prisoner :D
  • I'll wait a little longer, but it's getting to the point where the space the guitar takes up is worth more than not reducing the price!
    Rainy day fund — 210/1000 Emergency fund — 1019/1500
    Loan — 424/19,224 = 2.2% Fun fund: 1/100 Credit card balance — 0
  • What a great reminder from your friend! And great progress on the Very account. All things seem to be looking up around here. :D
  • Got a £5 Amazon voucher from SB today, which brings my balance up to... £5.40

    Also signed up to upwork.com which is nerve wracking before I've even bid for a job!

    Aiming to spend the weekend:
    • Writing an article I've started
    • Working on short stories
    • Planning my next non-fiction ebook
    • Drafting at least 2 blog posts
    Rainy day fund — 210/1000 Emergency fund — 1019/1500
    Loan — 424/19,224 = 2.2% Fun fund: 1/100 Credit card balance — 0
  • Also signed up to upwork.com which is nerve wracking before I've even bid for a job!

    :T:j:T

    Fantastic step forward, ABA!
  • Transferred £65 to my Very fund, which means I have £290.96 — less than £90 left to find!

    I spent £15 on business cards today, but I can claim that as an expense (assuming I earn enough to actually break even) and it was an SB offer, so I got over 700SB and have ordered another £5 Amazon card. I need to network and get my name "out there" but I'm terrible at promoting myself.

    Submitted 3 proposals (bids for work) on Upwork at the weekend and intend to submit a few more later. Not sure whether anyone will be interested...

    Goals for this week:
    • Get the short story I'm working on written and redrafted to a good standard
    • Plan ebook
    • Start writing ebook
    • Finish article I'm working on
    • Draft another article
    • Read the business books I got out of the library
    • Keep blogging (posted today — also want to post on Wed and Fri)
    Rainy day fund — 210/1000 Emergency fund — 1019/1500
    Loan — 424/19,224 = 2.2% Fun fund: 1/100 Credit card balance — 0
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    Brilliant update! That debt will be paid off in no time now!
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • Thanks Bob :) I'll feel soooooo good when I've paid Very and can start saving in earnest. It'll give me a little more freedom, having an emergency fund and putting a little aside for non-emergency rainy days. I just hope I can earn a living from my freelance work ASAP so I can come off ESA...
    Rainy day fund — 210/1000 Emergency fund — 1019/1500
    Loan — 424/19,224 = 2.2% Fun fund: 1/100 Credit card balance — 0
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