The whimsical tale of the Waterbed of Debt

Butti

Higher than it was Lou!
September last year it was £3221 and incurring interest (because I didn't get my finger out)
One balance transfer including fee of £3942 and 3 flights later its now £4678 of which £1066 is incurring interest.  The good news is that I think I'm going to be IN CREDIT on my bank account by pay day on Tuesday.  I will check but it's likely to be to the tune of £500 so that will go on to the credit card on Tuesday.  I think subsequently I will split overpayment between the mortgage and credit card subsequently at least until the shutdown is over.  

Butti

Isn't the world strange.
Mentally very challenging at the moment, but if you are working very good for money saving.  Pretty much all the venues where I would spend money are closed or operating differently and saving me money as a result. 
Can't go IN either of my favourite pubs in my local town as both of them are micropubs.  They are delivering and I am spending probably more than I usually do with them, but saving on buses and taxis and coffees.
My boxing classes have not been running since March so that is £8 a week saved (plus usually a £5 return bus fare), and a class replaced with a free cycle ride costing me nothing other than time and a bit of tyre wear.
Yoga is online rather than in the village hall, £35 per month rather than £7.50 a class.

Hence, although I am missing company and mentally a bit up and down the money saved is amazing.

Went to a pub last weekend with my mate and sat in an empty beer garden.  It was all laminated sheets and ordering and paying from your table.  Very good and felt very safe.

So the money;
Credit card   £3210   (down from £4383 last month)
Mortgage  £51,275  (44% paid off)

My aim for the year now is to clear the credit cards by the end of the year, which I may just about do if I am paying off £500 a month.
I expect to get the mortgage under £50 k by about September.  I will be remortgaging in about a year to do the kitchen so will aim to pay off as much as possible by then and then add on £10k for a kitchen and possibly £5k for a car.  I've pushed the Spanish yoga holiday to September next year and am off to Northumberland and then Whitby on Sunday for a week.  Going to go and look at the sea A LOT.

Try and keep your chin up folks and remember if things are rough and stressy don't look too far ahead.  It always helped me to just look at the day ahead.

beanielou

Enjoy your break   

Butti

Apologies for absence.  Paying off the debt is going well. The kitchen is going to be about a year behind schedule, I have started looking now.  The showroom is open but NOT in my local area.  About 80 miles away!
Probably something like this in a grey blue.
I have double paid on my Credit Card in December so the debt on the card is down to £661.  Three figures!  MOT next month which I think means I will clear it in a month.
Payments on the mortgage will step back up after that.

beanielou

All sounding good Butti.
Good news on the cc.
The kitchen looks good.
Hope all is well with you?

Butti

I drowned my chromebook in beer on Sunday, so that's going to need replacing. But other than that things are okay.  Doing a meditation course and 40 minutes meditation a day really seems to be changing how positive I am.

beanielou

Drowed your chromebook~~eek.
The beer should go down your throat..........

Butti

I made it to Debt free about 3 weeks ago.  Wanted to celebrate in the pub!!!
 *sigh

Thanks to all who supported me especially the very special person who is Beanielou.
About to put myself on the wall of fame!

Mrs_Money_Penny

Well done x

beanielou

Butti said:

I made it to Debt free about 3 weeks ago.  Wanted to celebrate in the pub!!!
 *sigh

Thanks to all who supported me especially the very special person who is Beanielou.
About to put myself on the wall of fame!

So chuffed for you Butti  xx