New Journey

System

Thanks Paws for making me see it in a different light . In reality I pay 10% of my net salary in repayments.

lucielle

Remember its baby steps. It took a while to build up it'll take a while to pay it back but you will get there!
L

System

Having a treat today , waxing it comes out of my spends account . Other than that today will be a NSD .
Lucille you are so right !

Debtfreein5yrs

Hi Just caught up on your diary. Will be subscribing. Glad you had a lovely weekend away and that you managed to stay in budget. Well done. Just goes to show life can still be good even when debt busting !

System

Spent more than I was planning today. Took dear little grandson out for tea , he is a well behaved boy but has his moments. Like not wanting to go to sleep at his normal 7pm , nearly had to threaten him with going home and not sleeping at grandmas . We spent £9.00 between us and £11 on waxing so not to bad and I did have the money in my spends account . Have enough left now for hair on Wednesday and curry out with friend Thursday. Payday Friday .

System

Just used Top cash back for the first time , had a £15 Debenhams voucher from taking out a insurance plan. Needed a new baby present which I have bought through said top cash back.

Weekly shopping was £27.51 from Aldi but needed some cleaning materials , within £30 budget so ok.

Nearly the end of the month for me, no credit card used for 3 months now .

Going to luck at all my pots now and see what I may have left over .

System

Been playing with the snowball calculator, if I keep going with my repayments at the amounts I want I will be debt free by Nov 2019. Thats 33 paydays ! ��

boxofpaws

That's fab. I'm trying not to think about DFD because it feels so far away, I just want my number to keep going down.

Well done on your 3monthcreditcardfreeiversary :T

System

Can people resonate with this incident that happened with me today. As I have said previously I am partial to my weekends away , days out etc( aren't we all ) , there is never a shortage of friends who will suggest this or are up for coming. Previously to LBM most of the cost has gone on a credit card.

Back to today the Virgin Train seat sale and lunchtime found me booking 2 return tickets for a Saturday day out £20 return from the north west bargain. Then I get to the paying bit , get my purse out , no credit card omg I nearly had a fit, no card., so used to paying with a credit card it wad an automatic reaction. Anyway I looked again and there was my debit card and in my holiday fund is the £50 I have saved so far this year for such events. Feeling smug now I paid for my tickets with real money .

Yes maybe I shouldn't be booking days out especially as I am going away abroad soon, but I have saved it . If I have any money left in my holiday fund in December it will go off a credit card .

I feel on top of the world that I have paid for my ticket already.

Sorry to have gone on about it.

Paws thank you for your comment on my diary , much appreciated.

boxofpaws

Accept a high five!