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New account, new diary, new life!
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You have done really well!Store card £140 £117 - Store card £150 - Overdraft £200 - PayPal £364 - Loan 1 £5052 - Loan 2 £1733 - Credit card £2890 - Car hire purchase £3200 - Savings £0.0
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Thank you!
So today was a NSD :money: but tomorrow won’t be cos I went to visit a family member tonight and my Petrol light came on on the way home damn. Payday on Thursday, can’t wait to pay some more off my CC.
Plans for tomorrow: work, petrol station, home for a snack, gym, tea (leftovers from tonight)
Simple
2 x overdrafts paid off
2 x credit cards paid off
Goals now:
Save for house deposit!0 -
Sat in work, really quiet day! Have decided to split my CC amount into 3 payments of £630, which I'll pay over the next three months. That will mean all of my cards and overdrafts are paid off by my Birthday
With the remainder I have leftover every month, I want to set up an emergency fund and also have a budget for car expenses, i.e. MOT and Services, plus any nasty surprises like the flat tyre earlier this week.
Hope I can stick to this plan.2 x overdrafts paid off
2 x credit cards paid off
Goals now:
Save for house deposit!0 -
Well done! I hate my overdraft, seem to take one step forward then two back. Toying with the idea of getting a cash transfer from a CC but really don't fancy getting into more credit card debt!NSD Jan 5/10
6780/10721
[URL=“https://forums.moneysavingexpert.com/discussion/5820438/becoming-debt-free-is-hard-work#latest”]my debt free diary[/URL]0 -
So I stuck to my plan for the day but needed to buy pet food as well on the way home. I filled up with petrol after work then realised I didn’t have my debit card :eek: I’d left it in my gym bag which was at home... miraculously I found one of my credit cards loose in my handbag - lucky, but means I spent
£12.28 on pet food and £22 on Petrol on my card. Will pay off now.
No spends apart from that
Gym session went really well, planning on going again Friday morning as I have the day off work. Long weekend, here I come!!
Oh and it’s payday tomorrow :money:2 x overdrafts paid off
2 x credit cards paid off
Goals now:
Save for house deposit!0 -
Well done! I hate my overdraft, seem to take one step forward then two back. Toying with the idea of getting a cash transfer from a CC but really don't fancy getting into more credit card debt!
That was what I was about to do just before I split with my ex. I felt like it was my only option because it really is so demoralising to get paid and get that balance in the black, only for it to be red again after the bills came out (mine was anyway!!)2 x overdrafts paid off
2 x credit cards paid off
Goals now:
Save for house deposit!0 -
Late bedtime for me, just got home. Went out after work and was treated to a meal. Took £20 (from entertainment budget) out of cash machine at lunchtime. Bought 2 x fizzy drinks as treat for colleague.. £10 spent on medical consultation, will probably need to change SOA once I know if this is to become s regular thing or not. Loose change in my purse which I will sort tomorrow. So tired!!2 x overdrafts paid off
2 x credit cards paid off
Goals now:
Save for house deposit!0 -
So this weekend has been a bit of a write off
been under the weather so have been in bed yesterday and today.. feeling better just in time for work tomorrow. Paid £600 off my credit card on payday, and £30 to cover the minimum payment and a bit more on the other. Feeling really positive about my plan, paying off by end of July.
Whatever excess I have leftover this month is going into an !!!8216;emergency fund!!!8217;. I!!!8217;ll do the same for the next couple of months until the cards are paid and then I can make concrete plans for car expenses etc.2 x overdrafts paid off
2 x credit cards paid off
Goals now:
Save for house deposit!0 -
Good day today. Quiet one but that!!!8217;s okay. First NSD of the week, so off to a good start. Didn!!!8217;t make the gym, probably would have been a stupid idea due to being ill all weekend. Tomorrow won!!!8217;t be a no spend cos I have to get some bits from S!!!8217;burys. Didn!!!8217;t do an Ald! shop on Sunday of course, but hoping to get through this week with what I already have In the house/drawer at work and what I get tomorrow.
Plan for tomorrow :
Work
Spend as little as possible in supermarket
Home for snack
Get to the gym
Arrange some cheap/free catch ups with friends. Have been neglecting them lately
Tea
Early night
Sisters birthday coming up, need to find a present for her.2 x overdrafts paid off
2 x credit cards paid off
Goals now:
Save for house deposit!0 -
Spends today: £4.45 in supermarket. Hopefully that's all Plan for today as per last post still stands....
My daily posts in this diary are keeping me so motivated!2 x overdrafts paid off
2 x credit cards paid off
Goals now:
Save for house deposit!0
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