Keeping accountable

lexbubbles

AH DAMN I'M SORRY I MEANT TO POST THIS IN THE DIARIES SUB FORUM CAN SOMEONE MOVE IT PLEASE SORRY

Hi all

I have about £4,500 debt (£1,250 of which is a loan from a pal) and a P L A N to get rid of it by next XMas if I really tighten the old belt buckle.

I mean it's a properly stringent plan (leaves me with £75pw after rent and bills) but I managed to reduce my spending to the same amount a couple of years ago to save up for a house move, so I know I can do it.

My credit rating is in the toilet so I need to clear all this stuff and make it not in the toilet. I'm unemployed and on disability benefits so mostly I can't pay much, although I get the odd month where it lines up such that extra payments occur in the same month. I'll use those to pay off a larger sum at once.

Once I've cleared everything I'll be £295 a month better off!

Anyway. I live by myself (with two cats) and about 500 miles away from my family so I'm going to post here to keep myself accountable to The Plan to you guys.

If anyone else has A Plan that they want to stick to and be accountable for, feel free to play along. JOIN ME IN THE PLAN.

This next bit is tl;dr specifics so I have it written down somewhere other than my notepad and to be extra super duper accountable. Feel free to just move on.

Short version:
Vanquis 34.9% - currently £241.02 / £250 - Clear Jun 16
Debt to Lucy - currently £1,250 - Clear Aug 16
HSBC Overdraft - currently £100 - Clear Sep 16
Capital One 39.9% - currently £446.22 / £450 - Clear Sep 16
Aqua 39.9% - currently £1,839.32 / £1,850 - Clear Nov 16

Long version
( ) = calculated interest eating into the repayments

Dec- V 25 (7.45) // L 150 // C 25 (14.96) // A 500 (61.51) Total £700
Jan- V 75 (6.86) // L 175 // C 100 (14.63) // A 150 (46.93) Total £500

Feb- V 25 (4.60) // L 150 // C 30 (11.79) // A 50 (43.50) Total £255
Mar- V 25 (3.92) // L 150 // C 30 (11.18) // A 50 (43.29) Total £255

Apr- V 75 (3.12) // L 125 // C 100 (10.56) // A 150 (43.07) Total £450
May- V 25 (1.16) // L 125 // C 30 (7.77) // A 75 (39.51) Total £255

Jun- V 16.62 (0.47) // L 125 // C 45 (6.72) // A 75 (38.33) Total £257.62
VANQUIS PAID

Jul- L 125 // C 50 (5.44) // A 75 (37.11) Total £250
Aug - L125 // C 50 (3.96) // A 75 (35.85) Total £250
LUCY PAID OFF

Sep - C 75.66 (2.43) // A 600 (34.55) // HSBC 100 Total £775.66
CAPITAL ONE PAID. OUT OF OVERDRAFT

Oct - A 250 (15.75) Total £250
Nov - A 236.38 (7.96) Total £236.38
AQUA PAID. DEBT FREE.