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Joined 31.05.16

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  • 164 days of loan. 9 to payday. 14 to november. Hair appointment and unavoidable dinner out saturday mean inevitable dip into overdraft. But only for 4 days till payday which is progress. Payday next week, minimal spending to November, then a seriously quiet and peaceful november. Minimal minimal spending.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
  • Morning PSL, keep taking those small steps and making the good choices. Each one is a step closer to your DFD!!! xxxxx
    emergency fund:£179/ £1000 Uniform/car fund:£
    boys savings £
    Christmas £60 bday £40 holiday £

    Family loan £7000/£5425
    Credit Card 0% £2015.32 eon £435 overdrafts £1500/£1300
  • Hey PSL,

    Loving your posts, good to catch up seeing as I have been AWOL for a few days.

    That's good news about a bonus, that will really help get the number of days that loan has left.

    163 days now!

    Hopefully less.

    Oh & don't worry about being 30 & still in debt, I am 33. Will be 34 before I am debt free.

    Dxxx
  • System
    System Posts: 178,349 Community Admin
    10,000 Posts Photogenic Name Dropper
    I've just hit 40.....by the time you reach my fine old age, you'll have £££ in the bank and be enjoying all of life's little luxuries!
    Hope you are well xx
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • Thank you Ramble, Dolly (especially for doing my counting yesterday) and Hannah.

    Ramble your note made me laugh, I think i always picture you about 32. Like 18 months older than me. 40 is not old. Im not sure what I plan for between now and 40, maybe a few holidays and I've always wanted to have a cat, maybe learn to drive, be a bit slimmer, maybe tattoo or plastic surgery. Hopefully some or maybe all of this will money be paid back.

    So nice to be at home tonight. Gone backwards this month - but cant be too upset. It will get easier.
    november Payday is 25th so from 1st-payday is 24 days and I intend most to be nsd. Plus from payday next week to 1st nov is very quiet. Just seeing friend at the weekend. Then 5th, 11th, and 19th are days with plans. The others I am going to watch films and pretend to be busy.

    Too much going on right now. Need more down time. Next week just busy fri/sat/sun. Then nothing till 5th. Trying so hard to keep it that way

    162 days till loan paid
    12 till november

    Getting there, but slowly. :j
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
  • 161 days of loan.
    6 to payday.
    35 to november payday
    Back on track but some unavoidables- out for lunch today but then home tonight, lunch tommorow, hair saturday, out saturday night, then home sunday and nsds to payday.
    Then payday
    Loan payment to £1685
    Money to credit card
    Pay all bills
    Out friday 28th
    At friends 29th, low spend
    31 Oct nsd - this is also a work deadline so may work late.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
  • I love your lists.

    One day closer.

    Dxxx
  • Thank you Dolly.
    160 days of loan.
    5 to payday
    10 to november.
    6 to loan payment.

    This month has been Terrible if im honest. Too much going on and too many things needed. Also have niggling worry about my hair straighteners being at least 10 years old. I stood on them a while ago and now have to wiggle them into the socket. If they pack up I will replace them but having lasted 10 years could go at any time.

    After tommorow almost no socialness coming up. Trying to keep it like that as.much as possible. xx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
  • I have had my straighteners longer than that I think, dread the day when they give up.

    Dxxx
  • I have had my straighteners longer than that I think, dread the day when they give up.

    Dxxx

    My GHDs were 14 years old and were still actually working but the plastic became brittle and snapped.
    Starting Debt (31 Oct 2016) - £12,956 | Current Debt (31 Jan 2017) - £10,465 (20% paid)
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