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Small Steps Out Of Massive Debt!

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  • Wow, you're doing amazingly well with the repayments! Give yourself a big pat on the back.
    Trying to figure out a whole new life. Trying to figure out a whole new budget.
    Divorcing, unclear on final debt total right now, but focusing on building a financial buffer zone.
  • That's great progress GC well done.
    Wow, you're doing amazingly well with the repayments! Give yourself a big pat on the back.

    Thank you both so much! :)
  • Hiddenidenity
    Hiddenidenity Posts: 5,423 Forumite
    Good morning :)

    Some amazing progress going on in here ;)

    Have a lovely day x
  • Email from Lloyds this morning saying that my application for the balance transfer card was successful, so now waiting for the card to arrive. I should be able to do another balance transfer from Barclaycard this month :T
  • Chandelier.
    Chandelier. Posts: 933 Forumite
    Debt-free and Proud!
    Georgia you've made great indents to your debt and well done on the balance transfers :T. Is the Lloyds balance transfer 0%?

    I bet you feel amazing for what you've achieved. One tip re manual payments, set a reminder in your phone diary so you don't forget or pop it on the calendar :D.

    I always make manual payments on my debts as I'm not sure how to set them up for the 1st of each month direct debit wise. Maybe I should look into this or maybe a standing order..

    Have a nice day!
    Chandelier.
    Current Debt Repaid:
    £104/£619.

    Check out my Diary
    :D
  • Georgia you've made great indents to your debt and well done on the balance transfers :T. Is the Lloyds balance transfer 0%?

    I bet you feel amazing for what you've achieved. One tip re manual payments, set a reminder in your phone diary so you don't forget or pop it on the calendar :D.

    I always make manual payments on my debts as I'm not sure how to set them up for the 1st of each month direct debit wise. Maybe I should look into this or maybe a standing order..

    Have a nice day!

    Thank you!
    Yes, Lloyds is 0% too :D
    Good tip for the calendar reminders, I will do that now!
  • Chandelier.
    Chandelier. Posts: 933 Forumite
    Debt-free and Proud!
    That's fantastic you've another 0% deal :D. I find the more you pay off the better deals you get.

    Yes definitely get it down on your calendar, less likely to forget then. Or pop into diary if you have one. Or just pop a reminder everywhere lol.
    Chandelier.
    Current Debt Repaid:
    £104/£619.

    Check out my Diary
    :D
  • I'm so pleased that I was able to get another 0% ... I'm impatient to get the card now!

    £25 from Prolific has hit my Circle account and I've just done a cash out so should be seeing that in my bank by the end of the week.
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great work all round there then - you're doing so well at this! :T
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Great work all round there then - you're doing so well at this! :T

    Thank you! Slowly but surely I'm getting there :) I can't wait to get more of the BC debt shifted onto 0%!
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