Right, lets do this!

DebtFreeFrog

Payday tomorrow! :j

I've been to get petrol today and that's all I spent. Just petrol money. No snacks, and there's been no trips to the shop on my dinner this week. A small victory.

My target for the end of this month is to get my £387.18 under £300. It should be achievable with 3 paydays to go

I also need to move another £90 over to my emergency fund. :j

And make my minimum payment for Lloyds. Around £31. Just waiting for my statement.

No plans for this weekend so hopefully no plans = no spends but we will see...

camz2017

Wishing you all the best of luck on your journey - I will follow your numbers down

DebtFreeFrog

Thank you

Payments made today. :j
£20.00 in Emergency Fund Total £30
£31.00 to Lloyds
£17.18 Virgin

Overall Debt is[STRIKE] £8199.31[/STRIKE] £8121.82
Breakdown
Lloyds [STRIKE]£3080.00[/STRIKE] £3049.00 0% until May 2019
Virgin [STRIKE]£5119.31[/STRIKE] £5072.82
[STRIKE]£416.49 [/STRIKE]£370.00 0% until Mar 2018
£1557.00 0% until Oct 2018
£857.82 0% until Nov 2018
£2288.00 0% until Dec 2018

Still no plans for the weekend and £35 cash in my purse to last the week. Hopefully I'll still have it by the beginning of next week.

4lbs lost this week too! And not in money :rotfl:

enjoyyourshoes

Not sure why you are putting cash into an emergency fund, is it to pay off one of the cards before the 0% rate expires?

If its not you need to produces a cash flow month by month identifying paying off each 0% deal just before it expires. Either set up monthly SO to each card ensuring your calculations are exact, or save the allotted amount then pay off each card before the 0% deal expires.

Its in the order of £442 per month- can you do this is not you will be hit with hight interest charges.

Sort out your spending now, don't dilly dally.

DebtFreeFrog

Thank you for your comments

My emergency fund is to stop me from using cards if anything unexpected crops up as I currently have no savings.

I won't be able to pay everything off before the 0% deals expire but I'm hoping to pay as much off as possible and move whatever is leftover to a 0% deal.

I like the idea of saving up the alotted amount and then paying off the amount before the 0% expires.

enjoyyourshoes

start Nov to March with £442.47 pm to the earlier 0%

then April to Sept with £456 pm for the other 0%

then Oct to Dec £442 pm for the last few (inc last one)

then Jan to May with £385 for final one

april to sept you slightly overspend but this is required as the costs and term dates ramp up towards the end 2018

DebtFreeFrog

Thank you for taking the time to work it out.

I've just worked out my budget and I should be able to make those payments. I just need to be really strict, which is good because not being strict is what's gotten me into this mess.

No unnecessary spending for me. :A

I just can't wait until my money is my own, without this big black debt cloud hanging above my head.

enthusiasticsaver

DebtFreeFrog wrote: »

Thank you for your comments

My emergency fund is to stop me from using cards if anything unexpected crops up as I currently have no savings.

I won't be able to pay everything off before the 0% deals expire but I'm hoping to pay as much off as possible and move whatever is leftover to a 0% deal.

I like the idea of saving up the alotted amount and then paying off the amount before the 0% expires.

I think that sounds like a good idea if there is still a balance just before a 0% deal expires. Then you can rebuild the emergency fund.

The main thing is to live within a budget though. Don't be tempted to overpay a credit card so you then need to spend on it if something crops up. That is what your emergency fund is for.

DebtFreeFrog

enthusiasticsaver wrote: »

I think that sounds like a good idea if there is still a balance just before a 0% deal expires. Then you can rebuild the emergency fund.

The main thing is to live within a budget though. Don't be tempted to overpay a credit card so you then need to spend on it if something crops up. That is what your emergency fund is for.

Yes that's what my problem has been before. Overpaying too much, having to use the credit cards, and then I'm back at square one and haven't paid anything off.

I need to realise that it's going to take time to pay it off and stop being so impatient. :rotfl:

MeenaM

You've made a great start! good idea with the emergency fund, my pay day is the 25th it seems a long way off ....