Tidying up the mess

PositiveBalance

:xmassign::xmastree:Merry belated Christmas, Baabystepper! :xmastree::xmassign:


I hope you have had a wonderful Christmas and I am *so* looking forward to cheering you on while you smash your goals in this new year and - eek! - decade! :T

Drawingaline

Hope you had a good one. Here's to 2020!

girlatplay

My Dad bought me the Baileys' version of Baileys for Christmas :drool: How lucky am I?!

You're smashing it BabyStepper!

:xmastree:

savingholmes

Thanks for the mention! Hope you are having a fab holiday. Looking forward to joining you in being CC and loan free during 2020.

Moneywhizz

Belated Merry Christmas to you. It has been great following and being part of your journey. Definitely the home straight now. How exciting to be counting down the last few months to freedom and a great new opportunity for you to start saving towards all your goals. We will all be cheering you on. Have a good new year

BabyStepper

Guess that's the holidays over with, hope everyone had a great time. I've enjoyed myself but glad to see the tree and the decorations tidied away for another year. Wages came in on time, thank goodness, so here are the scores heading into 2020. No change to the plan, just pottering on with £1,400 paid off the debt total.

[STRIKE]Barclaycard (1) £3,044.54[/STRIKE] PAID OFF
[STRIKE]Lloyds (1) cc £434.33[/STRIKE] PAID OFF
[STRIKE]Barclaycard (2) £517.12[/STRIKE] PAID OFF
[STRIKE]Hitachi loan £970.60[/STRIKE] PAID OFF
[STRIKE]Overdraft £2,000[/STRIKE] PAID OFF
[STRIKE]Santander cc £3,435.67[/STRIKE] PAID OFF
[STRIKE]Barclaycard (3) £1,250[/STRIKE] PAID OFF
[STRIKE]Lloyds (2) £907.57[/STRIKE] PAID OFF
MBNA cc £5,325.99/£1,465 0% Feb 2020
Halifax cc £3,342.25/£2,645 0% Oct 2020

Total May 2018 £21,228.07
Total October 2019 £4,110
£17,118.07 paid off :T:T:T

The MBNA card will be almost gone in a month's time, I'm trying to work out where to get the extra from so I can nail it at the end of January. Maybe it will have to wait, we'll see.

I have the cash now for the wedding later this month, all gained through matched betting so I'm pleased and looking forward to it. We got some cash gifts at Christmas and I have put £300 in the car fund. I know it was supposed to be a gift, but if we don't need it for the car before the debt is gone then I can buy myself a gift then.

I'm off to change my signature.

warby68

This is absolutely fantastic :T

You must feel so good about things now - a new life just round the corner.

BabyStepper

Hi warby
Yes it feels pretty good, can't believe I've almost made it, really hoping it's not an anti-climax when I get there! I've been hanging out on blackcoffee's diary to try and get an idea of what it's like once the debt is all gone. So far it looks good.
Also realised we have no council tax next month. Unless I already have plans for this that I forgot about, it can go to MBNA. Fab.

DancingInTheRain

All looking fantastic, so close now - less than 100 days until debt freedom :j
Good plan for the Christmas gift money & council tax next month too.

BabyStepper

Hi DancingInTheRain
I hadn't thought about counting the days, what a good idea. It will all depend on when I get paid that month so I won't know exactly, but less than 100 days sounds totally doable.
Wow, so close.