Time to clear the debt - for good!

laurag89

Hey DrSpendLittle!

I am still posting so I have come further than previous attempts, and I am still motivated to not add anything more to debt and continue with the surveys to help me get the debt down

I will get there eventually!

How are you getting on?

Happierdays

Laura you are doing so well.. well done! :T

fruitloop04

laurag89 wrote: »

I am still posting so I have come further than previous attempts, and I am still motivated to not add anything more to debt and continue with the surveys to help me get the debt down

I will get there eventually!

You are so determined you will get there! You seem to make a lot by doing surveys - which sites do you use?

laurag89

Thank you Happierdays

fruitloop04 - Thank you I am trying to keep up with the survey sites but I am using - Opinion World, Valued Opinions, one poll, you gov, toluna, and prolific academic

fruitloop04

Thanks laurag - will check these out

laurag89

Managed to cash out £10.25 on opinion world, and £5.00 on prolific academic today

As soon as they come through I will put the money to my credit card.

Had ordered some tops to wear to work - they arrived today and just did not look right - so back to the shop they go

laurag89

Hey Diary,

Realised I have neglected you the last few days - a habit I promised myself I would not fall back into!

Not too much to report, surveys have been slow the last few days but I will keep trying!
Going away for a night this weekend - just an hour and a half away to see my OH's family, luckily no cost to stay but we are going out for the evening as his birthday is fast approaching. This is an absolute first for me, but i plan to only have the one drink. I am working on my health and fitness so drinking doesn't really fit in anymore. This should also save me money!

Still 2 weeks till payday so cannot do anything until I know what is left after this weekend and until my phone bill and cc minimum payments come out.

Looking around for clothes I can sell on eBay or Depop on Sunday - any extra money will help

laurag89

Yesterday was a first for me - i went into town for the evening with friends, but I drove and did not drink. I have never done that! But I spent £4 in total, because i was drinking soft drinks only.

Also woke up today feeling perfectly fine

Just made up some lunch for tomorrow from home, and completed a couple more surveys this evening which is £3! Small but regular achievements is keeping me focused!

I have £25 minimum payment pending on my bank account for MBNA credit card so I will update my totals tomorrow.

Working next sunday again, more money towards my wedding dress!

laurag89

Hello Diary

So I have good news to report - my mortgage deal is coming to an end at the end of Dec, and I spoke to my mortgage company to see where we stand and it turns out we have made 30k profit on the house over the last two years which puts us at a much better LTV - as we did the 95% help to buy two years ago.
Anyway a long story short from the 1st February I am going to be £180 better off per month, which is going to help me so much with clearing this debt I feel so relieved!

I am not waiting on February though - I am still tackling this debt full force until then, the lower it is the quicker it will go from February onwards.

It is such a nice feeling to know things are going to get easier, we haven't struggled as such but it has been tough these last two years with our mortgage because over £1000 per month - but I did not add to my debt over this time, this all came from years back when I was silly with money.

£25 minimum payment has been made on the MBNA, and I am hopefully going to have some money left in two weeks just before payday to make a payment to the M&S credit card

laurag89

Less than a week now till payday cannot wait to make an overpayment to my credit card. At the moment I still have £70 in my bank account - and I cannot see me needing to use it before payday but we will see

I have been doing some more surveys - not every evening like i would have hoped, its been a busy time with decorating the house. But hopefully now I can get back to it.

Worked at my 2nd job last week, should get paid from that next week - But that goes into a separate account for my wedding dress.