Tidying up the mess

BabyStepper

OH's aunt died yesterday evening, at home in bed and comfortable. Sad times here. Not sure yet when her funeral is.

DD265

I'm so sorry BabyStepper x

Aaleigha

condolences H xx

WelshKitty85

So sorry to read your sad news x

BabyStepper

Quick update...

We were both able to go to the funeral. It all went well, lots of people there telling wonderful stories about OH's aunt, so lovely to hear. OH is feeling a bit better now it's all over. Only spent on a couple of train tickets.

The budget is going ok. All outgoings have happened, nothing much left but our heads are above the water. Planning a quiet time now until the end of the month and next pay day.

I had hoped for an overpayment towards the debt but still waiting for 2 of my invoices to be paid. We'll see if it happens before the end of the month.

Energy switch is underway and will happen at the start of next month. Here's to lower fuel bills, and looking forward to the council tax holidays in Feb and March.

Hope everyone is keeping cosy, and keeping on budget.

Kitten868

Sorry to hear your sad news.

Really pleased you've moved energy supplier.

Keep going lovely xxx

BabyStepper

[STRIKE]Barclaycard (1) £3,044.54[/STRIKE] PAID OFF
[STRIKE]Lloyds (1) cc £434.33[/STRIKE] PAID OFF
Barclaycard (2) £517.12/£427.12 0% March 2019
Santander cc £3,435.67/£3,155 0% Dec 2019
MBNA cc £5,325.99/£5,300 0% Feb 2020
Barclaycard (3) £1,250/£1,250 0% Feb 2020
Hitachi loan £970.60/£590.80 0% March 2020
Overdraft £2,000/£2,000 0% Sept 2020
Halifax cc £3,342.25/£3,030 0% Oct 2020
Lloyds (2) £907.57/£870 0% Nov 2020

Total May 2018 £21,228.07
Total now £16,622.92
£4,605.15 paid off :beer::j:T

Slow and steady progress this month. BC2 is still the target, slight overpayments managed and still on track to be paid off before it starts to accrue interest in March. Emergency fund intact, other funds in need of a boost but everything is paid for. All good.

Spendy_Spenderson

Well done BabyStepper, you've got this under control!

enthusiasticsaver

You are doing brilliantly. Looks like you have it all well under control.

DrSpendLittle

Just read your diary, babystepper. Really good to see how well you've adapted to living within your means and paying off your debt.

I hope the self employed work picks up for you and you're able to start making some significant headway - that's when the fun really begins.

Do you feel any 'richer' now you're budgeting and giving every £ a purpose? I remember when I first started budgeting (I use software called YNAB which I just love to bits), I felt like I'd literally had a pay rise - just as Dave Ramsey said I would. Suddenly, all the money I'd been frittering away each month was there to be seen, managed and directed. It guess it was empowering and perhaps that's where the sensation came from. Do you feel that? If so, be mindful of it. It may help with the anxiety you have / had.

DSL