No more excuses - It is time to get serious

laurag89

Another NSD today

Also managed to drag myself out of bed and to the gym this morning!

So tomorrow i find out what my bonus is, and if i get any payrise this year. Of course this all goes to the wedding savings so its not really anything to be too excited about but can't wait to see what position I am going to be in.

More surveys completed today, and this evening and planning to continue this all week and see what I can cash out on.

Still on track to have £40 left on payday which is next Friday So I will pay £20 to very and £20 into my emergency fund!

laurag89

Hey

So good news got a payrise so £100 extra a month after tax in my pay from feb guess where that is going - yes straight to the debt!

Also got a much better bonus than expected so £2000 going to wedding savings and £500 going aside as an emergency fund. Is that a smart move?

Cashed out £3.25 from opinion outpost- paid it to c/c and just requested £6 out from prolific academic

redofromstart

Congrats on the bonus and the pay rise. I would be splitting the bonus three ways between highest APR debt, emergency savings and then a little into the wedding savings if it was me.

laurag89

redofromstart wrote: »

Congrats on the bonus and the pay rise. I would be splitting the bonus three ways between highest APR debt, emergency savings and then a little into the wedding savings if it was me.

Thank you! I did think of splitting 3 ways but the only thing is i still need to save £6000 for the wedding so if i don't put the £2000 in i wont have it saved in time.

The other thing is that im £180 better off from next friday due to mortgage payment coming down, so i can chuck a £100 of that to the debt, plus my £100 payrise from feb.

I get another bonus in feb of about £400 so that could go fully to my credit card.

I need to think a lot about it

redofromstart

Its a nice problem to have though

I was thinking pay off something high interest, and then save the money that would have serviced that debt towards the wedding as the interest saved on the debt would be higher than any you earn on the savings.

laurag89

I agree! Its a very nice problem to have!

Yes your right, your way makes a lot more sense thank you!

laurag89

1 week till payday, it has been a long wait!!!!

I am going to get very paid off in jan, and then close it down! Really do not want anymore temptation around!

Plan is to get some more surveys done today and over the weekend

laurag89

Just received £5.63 from PA That has gone to the credit card, I know its only small amounts but they will all add up. And small regular purchases helped me get into this mess, so will also get me out of it.

1 week today until payday! Not that I'm counting! But I am desperate to pay the £100 off my very account, will be so nice when I can get that cleared and close it down. One at a time!

Hoping for a quiet/No spend weekend... going to the gym tomorrow morning and then working on Sunday (More money towards the wedding dress)! I will post an up to date version of my totals on payday, so I can see where I am at now with the dress added in too.

At £2.64 on VO trying to get it up to £10.50 as quickly as possible so I can get another £10 boots voucher towards my xmas stash!

laurag89

Also forgot to add that I have two pairs of shoes that I bought as an impulse purchase stupidly that I have never worn, and never will so I am going to put them on depop over the weekend and see if i can get some money for them to put towards my very account

laurag89

Another shift done at my 2nd job yesterday hate working on the weekends but i know its for my dress!

Finally i can say 4 days till payday- bank account balance is low but should hopefully havr £20 left, so will put £10 to start my emergency fund and £10 to very.

I have brought lunch from home so no sneaky trips to the vendor today!

The only thing i may have to buy this week is fuel