This Duo's debt free journey

DebtFreeDuo

Quick update, today I am officially on 31% paid. I am £100 off paying a whole third off my debt. I will do this, I will beat it and I will never be in debt again (not counting student debt or mortgage).

Not counting any savings I have towards the overpayment until I have the whole amount stashed away somewhere.

Tea&Kittens

Well done Duo! That sounds like amazing progress

ladymay

DebtFreeDuo wrote: »

Quick update, today I am officially on 31% paid. I am £100 off paying a whole third off my debt. I will do this, I will beat it and I will never be in debt again (not counting student debt or mortgage).

Not counting any savings I have towards the overpayment until I have the whole amount stashed away somewhere.

:beer: CONGRATULATIONS! Brilliant news xx

Willowtree222

That's amazing! 31% gone. Wow xx

WannabeFree

Amazing repayments, you're doing so well.

Hope you've had a lovely weekend

x

enthusiasticsaver

Wonderful progress.

DebtFreeDuo

Thank you all.

I seem to have lost the ability to manage my time effectively, either that or the hours in each day have reduced, really struggling to keep everything balanced. I feel behind with uni, I barely get on here lately to keep on top of the finances and I haven't managed to earn any extra money in some time. I think tomorrow I am going to try and draw up some kind of plan for the next week, if I struggle with anything then I will amend for the following week. Hopefully this will build up to give me a good routine over the next few months.

DebtFreeDuo

Going over my finances this morning. I have updated all the different sections of my spreadsheet, the debt section is hard because the total fluctuates throughout the year as at some parts of the year I have to dip in to my overdraft. When I worked out my total debt figure here I took the highest point of my overdraft usage and included that so my total here does include absolutely everything.

I am feeling positive this morning although a small part of me is worried that I won't have the total amount of the overpayment stashed away by December.

I also still have around £250 to find by 10th April. Going to get listing on ebay today, I don't have anything that is worth a decent amount but anything is better than nothing.

WannabeFree

Try to let it weigh you down too much DFD

You've done amazing so far and I'm sure you will continue to do so

x

EssexHebridean

Absolutely anything is better than nothing - baby steps remember - no matter how small you're still going in the right direction.

How are you doing on the time management thing? Might writing a priorities list help - so stuff that needs doing "right now" (world will stop if it doesn't happen) down through "Next 5 days" to "unimportant in the scheme of things - revisit next week" - I find that this can really help with a case of washing-machine-head as it helps you to get things in perspective when it feels that everything is clamouring for attention.