2018 is an amazing year!

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  • JoJoC
    JoJoC Posts: 1,836 Forumite
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    Loving your 12-step plan Plush! Sounds achievable and you sound on the ball :)

    I'll keep stopping by so that I can try to stream some of your motivation and tips!
    CC1: £4481.14/ £5031.14 (12% paid off, £600) | CC2:£3307/ £3807 (14.4% paid off, £550) | Loan: £10,528.20/ £15,792.30((33% paid off, £5,264))

    July debt total: £24,630.44 | New debt total: £18,316.34 | Total debt paid: £6,414.10 (26%)
    *My debt busting and savings diary*
  • NineDeuce
    NineDeuce Posts: 997 Forumite
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    January: the month where people become overenthusiastic about prospects

    February - December: the awful realisation
  • enthusiasticsaver
    enthusiasticsaver Posts: 15,614 Ambassador
    First Anniversary First Post Name Dropper I've been Money Tipped!
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    NineDeuce wrote: »
    January: the month where people become overenthusiastic about prospects

    February - December: the awful realisation

    Goodness you are a happy soul. Nothing wrong with optimism.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
  • Plush
    Plush Posts: 95 Forumite
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    enjoyyourshoes wrote: »
    You mentioned OD at start of first post, then focused on CC debts etc, sort out OD as priority as costs can escalate and are iterate (OD charge, excess fee, interest , cost per day , etc)

    Thanks, but I stopped using OD several months ago (and even before that I was only using it up to the fee-free limit of £300).
    current credit debt Jan-2018 £12000 @ 0% // initial debt Sep-2017 £14200
  • Plush
    Plush Posts: 95 Forumite
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    NineDeuce wrote: »
    January: the month where people become overenthusiastic about prospects

    February - December: the awful realisation

    :rotfl:

    Thanks, you may be right. However, hope doesn't hurt. And, it's better to feel happy with no apparent reasons, than to feel miserable and still with no reasons :)
    current credit debt Jan-2018 £12000 @ 0% // initial debt Sep-2017 £14200
  • Plush
    Plush Posts: 95 Forumite
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    Looks like too much enthusiasm does hurt :) I lost my Halifax debit card and my Oyster card today. Called and ordered replacements, so annoying!
    current credit debt Jan-2018 £12000 @ 0% // initial debt Sep-2017 £14200
  • 117pauline
    117pauline Posts: 743 Forumite
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    Now I am feeling a little better I thought I would pop by and say hello.

    How are things?

    Take care honey
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
  • Tea&Kittens
    Tea&Kittens Posts: 195 Forumite
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    Hey Plush, great to see your new positive diary! Hope 2018 is going well for you so far!
    #Frugal February : NSDs Target =16
    Started here on 07 September 2017: Total:[STRIKE] £20,521[/STRIKE] £19847
    Barclaycard: [STRIKE]£14659[/STRIKE] £14435 Oct 2017 HSBC Credit Card : [STRIKE]£3112[/STRIKE] £3012 Oct 2017
    Overdraft: [STRIKE]350[/STRIKE] £0 Oct2017 MBNA : 2400
    A journey of a thousand miles starts with a single step. I'm on my way!
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