Do One, Debt!

GoingToDoIt

I still exist...have some IRL stuff happening.

Poor_Single_lady

Hope you are ok.
Concentrate on RL and then we will look forward to your posts as and when/if you are in a position to. Xx

GoingToDoIt

Hmmm, so it has been about 8-9 months....
So normal life is starting to get back on track, obviously I!!!8217;ve done pretty badly on the money front so I!!!8217;m just dipping my toe back in. I!!!8217;ll need to do a proper audit of debt at the weekend and catch up on diaries. And breathe!

Poor_Single_lady

Nice to see you back. xx

GoingToDoIt

Thanks PSL good to see you again!
Been doing baby steps, finances are in a mess so have not updated signature yet...will probably do it after next payday as there are a few too many transactions flying around just now and I!!!8217;m still getting things in order.
Been making an effort to get back into my side schemes, swaggy, inbox£ and youg0v, little bits are building up in them. I have a few ebays I can list but will leave that until next month.
Just renewed home insurance (cheaper than last year!) via tcb, got another credit card via tcb and have a missing claim from last year, that lot totals £100 cashback, so a good effort there!

GoingToDoIt

Yeah life really gets in the way sometimes...
I quit smoking a few days ago, it’s going well.
I can’t remember how much debt I have, it’s a lot.
My job is at risk (again) it’s been a really hard couple of years, but I survived before and I can again, I need to keep posting.

GoingToDoIt

So my current debts are
Virgin cc 2510 on 0% until....
FD cc 2100 on 0% until March 2021
Hfx cc 1300 on 0% until ....
Brkly cc. 2000 on 0% until June 2021

That’s around 8k of debt

I do have around £700 cash saved, I need the liquidity at the moment in case my job goes so I’m leaving everything on the 0% cards with minimum monthly payments for now.

GoingToDoIt

Looks like an NSD today as feel full of cold and can’t be bothered to go out.
Am challenging myself for January initially, but sort of until I go on holiday in mid-Feb, to save save save.
I have £18 of nectar points, and am due a payment of £14 by Feb. This means I can shop at sainsbugs in blocks of £2.50. I also need to spend £15 in Argos soon.
I am near cashing out £10 on swaggy and am due another £10 worth of points soon.
I am waiting on some tcb payouts but that’s just dribs and drabs maybe £5
I have about £8 on an Asd4 gift card
I have a free tea and cake voucher for JL
I will put £40 on my travel card andI have £15 budgeted for long distance travel plus £55 for haircut.
I need to sell about 7 items on the bay or similar, whilst I have the time.
I am also trying to keep my electric use down, it hasn’t been really cold yet so no heating on, no heated dryer needed just yet

GoingToDoIt

Insomnia is back, oh well once this lurgy has moved on and my days are back to normal I will be able to sit down and do a new SOA and some difficult planning for the near future.
I need around £1100 per month just to cover regular outgoings (mortgage, elec, water, tv, internet, mobile, council tax, minimum cc payments) so around £1300 would be a good minimum to aim for, saving £750 per month, for as many months as I can.
As I-have a lot of free time at the moment I really need to think of ways to turn that into cash, number one idea is to try some matched betting.
Besides making money I need to fill my time with free stuff- exercise, museums, library, reading, cooking, house painting etc. There is plenty to be done. I also need to re-kondo several areas of the house.

GoingToDoIt

New 0% Bkly card has been set up and transfers made.

So current debt is
Dibs- £100
P off- not sure, hopefully about £100
Bkly- £4300 0% to July 2021, min £100 per month
Hfax- £1300 0% to Oct 2020, min £13 per month
FD- £1900 0% to March 2021, min £58 per month

Total debt £7700 so actually a little less than I guessed.

I will only pay the minimum for the time being, due to employment uncertainty. I may decide to pay off dibs and P off when I get paid, just to be rid of them.

I also now have a clear v!rgin cc for emergencies and will have a clear dibs. Both offer money transfers and v can be used for a balance transfer in Oct for Hfax if necessary.

Time for me to look for some ways to generate cash!!!