Becoming debt free is HARD WORK

runninglea · 26 April 2018 at 10:37AM

Need some time to move in and get all your work done - bit hard to save with all this going on.

elvis69 · 26 April 2018 at 8:46PM

Whoop! NSD today! Yesterday I went into the garden centre (my weakness, lol) but left my purse in the car. Went for a little wander and look around but didn't spend anything! Result

elvis69 · 3 May 2018 at 9:39PM

Checking in!
Muddled couple of days moneywise. Daughter needed new school shoes so £40 spent but got home yesterday and had a cheques from energy company for £120 for our solar this quarter! Whoop
Going to a wedding this weekend but have budgeted for it and back onto YNAB

elvis69 · 9 May 2018 at 9:09PM

Still going. Things are definitely better this month. Have reined it in a bit and back onto YNAB. I keep seeing posts where people are paying off huge amounts and have done since January. I don't seem to be doing that. It's so frustrating
Tomorrow I'm stopping smoking again. Going cold turkey and have entered into a virtual 10k run.....

elvis69 · 17 May 2018 at 8:28PM

Seems never ending. One debt goes and anther comes up! Payday next week and things are better than this time last month but sill 2000 overdrawn

elvis69 · 30 August 2018 at 8:55PM

Back to the diary. Been ages. Have been struggling recently thinking I’m getting no where but then look at this diary and realise I’m a grand off my debt and £600 into my ef of £1000.i must be doing something right, just got to keep going
I ended up getting a cash transfer to clear the overdraft and actually that really helps to see money in real time

runninglea · 30 August 2018 at 9:25PM

well done - especially after summer holidays. Another 4 months to Christmas and potentially another £1000 off the debt

pidge04 · 30 August 2018 at 10:40PM

That is impressive about a grand off your debt and you have been building a good emergency fund. Well done!

elvis69 · 5 September 2018 at 3:23PM

Thanks everyone.
Been talking to my husband about our debts. He thinks that as everything is now on interest free credit card we should just pay the minimum and use the money to have fun with the children while they’re small- he doesn’t see the point of struggling and not enjoying ourselves. I guess I understand where he is coming from but it feels wrong to be spending and not clearing debt.
New job on the horizon, bit of a leap but I think ill go for it. More money- result! But more hours- not so much!

GlendaSugarbean · 5 September 2018 at 7:46PM

The problem being that those 0% deals won't last forever! Can you compromise - pay enough to clear the majority of the cards within the interest free period but up your personal spending a bit?