I want to believe I can do this!

pidge04

I always stay up late on Sunday nights. Does anyone else do that? Need to prolong the weekend and put off the hideous return to work!

I sold my beloved bike today. A very nice person bought it and I appreciate it not being in my bedroom where it has been for a while but it was hard to see it go. I felt happy riding it and I don’t often feel happy.

Felt a bit sorry for myself for the predicament I have got myself into but I know I am to blame and I know that I will learn from my mistakes.

Accepted another babysitting job for an evening when I had planned to have my family round for a festive evening. I would have enjoyed it, relaxed and got a bit merry. Won’t be doing that now for the sake of earning £20.

£20 is £20 though and I need £20!

pidge04

But it’s not all gloom and doom for me!

While babysitting last night, I worked out my rough budget for each month in 2020. My disposable cash raises from £18.20 a week in January to £124 a week from September!

Kitten868

Oh Pidge! You should have had the night out! You deserve it. I hope you plan something else in soon.

You are doing fantastically paying the debt down lovely lady. Don't lose yourself. I want you strong enough to see the whole plan through. Not just the debt clearing bit.

So is it just a loan and a £750 overdraft to go? That's so impressive. How much is the loan for? Xxx

Kitten868

I'm checking your sig is right xxx

pidge04

Hello!

I've just reduced the overdraft on my bills account - was £750 now £650!

For the next 2 months, I will be able to reduce it by £200 a month because of not having to pay council tax for 2 months.

Then I will pay £150 and then £100 then GONE! So that will be April 25th - completely and utterly overdraft free!

Here I go again wishing my life away!

pidge04

My credit card debt is still high. Just transferred it onto another 0% balance transfer - I have 15 months to conquer this one.

pidge04

I think this year I have paid off about £4600 of debt. My current debt total is £5427.
By this time next year, I will have 1 debt (credit card) and the highest it could be would £1550.

[Deleted User]

Hi Pidge. Just saw your name pop up so thought I'd pop in to say hello :hello:

Getting the credit card on 0% is great; it's not costing you anything except minimum payments so put it to the back of your mind now.

When I log in to my online banking, they're offering me an overdraft nearly three times my wage :eek: And that's with a wrecked credit rating :eek: I know from previous experience how depressing it is to see your wage go in and your balance still in a negative, so won't be going down that road again. It's good that you know it will be gone by the end of April and that's one less thing to think about.

Your loan ends next year as well, doesn't it? Just hang in there and I'm sure this year is going to be great for you.

bln x

ftbwannabe

You're doing BRILLIANTLY, and it's tough to keep going, I know - well done! So happy to see you still here & still winning.