I want to believe I can do this!

pidge04

Inspired by a new diary I read on here today....my debt free date will be 19th July 2020!

Scott-Weiland

Keep your chin up Pidge I was exactly the same the other day that looming arrival of payday is hard. Get doing the surveys if you haven't already I dropped 42.50 the day before payday, and it helped so much.

pidge04

Scott-Weiland wrote: »

Keep your chin up Pidge I was exactly the same the other day that looming arrival of payday is hard. Get doing the surveys if you haven't already I dropped 42.50 the day before payday, and it helped so much.

I must get started with the surveys!

pidge04

Camping cupboard has been tidied up and I have a couple of things to try and sell.

I've been able to transfer £500 to 0%.

Will update my figures now. Will include the money I am going to pay off my credit cards tomorrow morning when I get paid.

pidge04

OK it looks better that the CC1 is under a thousand now but not good that I now have the 3 credit cards.

CC3 needs to be paid off in 6 months but I am hoping to clear CC1 and CC3 with the income I will earn over the summer holiday.

On to the next job on my list!

CC2 is slowly but steadily decreasing.

pidge04

I phoned Barclaycard this afternoon and they have reduced the APR from 25% to 6.9% on the outstanding balance of £954.I said to the woman on the phone I should have done this sooner. She said it might have been that the offer wouldn't have been available to me last month. She said she could see I had not used the card for 6 months and that I was reducing the debt.

What an enormous relief. I know 6.9% is not 0% but it is a lot better than 25%.

I tried to phone HSBC too about that credit card APR but they're closed until tomorrow.

Today has been a very dark day for my feelings about my debt. I had sleepless nights around my LBM and worried dreadfully then but today was something different. I felt tearful. Knots in my stomach. Full of regret for the decisions I have made or not made in my life.

I feel like I am doing well in reducing my debt and not going down the hideous consolidation route again but still, I am in deep anguish today.

I am sure I have read about this in other diaries when people are a way into their debt journey.

A bump in the road. I shall bounce back.

Scott-Weiland

Add surveys to your to do list a couple of hours a day can make such a boost to your income.

pidge04

Scott-Weiland wrote: »

Add surveys to your to do list a couple of hours a day can make such a boost to your income.

Will do. Where would you recommend I start?

Scott-Weiland

There is absolutely loads to choose from drop me a private message and I will send you some referral codes, some sites I use are invite only.

Opinionoutpost.co.uk is a good one to start with
and prolific academic is another good one.

pidge04

I felt better tonight.

I worked out my monthly budget.

If I stay on track I should have £90 leftover!

I have written all my outgoings on a piece of paper and put it in my purse so I will see it the minute I open it up. Should deter me from making any unnecessary spends.