One step at a time

enthusiasticsaver

I love round numbers too. Well done on getting some more debt moved on to 0%. Also good idea to work out how much to pay monthly to clear within deal period. If you are constantly BT the fees outweigh the gains on the zero interest.

Also good you have emergency savings. Critical when trying to clear debt.

Starmummy

Well done on your achievements so far. The repair bill is a bit frightening but that's exactly the type of thing emergency savings are supposed to be for.

Good luck
SM

Shoddyshardy

Thanks enthusiasticsaver and starmummy, I feel very fortunate that I was able to start this journey with an emergency fund. Let’s hope there are no more emergencies before we can build it back up. This is the first time OH and I are making true progress not just in the debt reduction but in our attitudes towards money so I’m hopeful this time once it’s paid off it won’t build back up again

Shoddyshardy

Good morning everyone. I do love my quiet 15 minutes in the mornings reading the diaries before my day starts. I find you all so inspiring.

Another £30 paid this morning so £140.69/263.60. I’m going to have to do something about the odd 69p so I think once the first week of the month and bulk of the dds are done I can fix that. X

Shoddyshardy

Woohoo another £10.31 paid today. Of course now the numbers in the account are skewiff but it’s easier too work out where I am with the monthly target to have my round numbers here ) x

So this months tally is £151/263.60 yay :-)

Shoddyshardy

That is another £30 paid this morning making £181/263.60 leaving me to find £82.60 this month. Not sure where I’m going to find that but I’m truely amazed at how all the little payments are adding up and bringing the total down. I also must be doing something right as my credit card limit is going to be increased lol. Must remember to ring them to leave it where it is. Thanks but no thanks I don’t ever plan on using it. Have a lovely day MSE world x

Shoddyshardy

Running a bit late this morning. But still had time to check the accounts and £20 paid this morning £201so paid this month.

pidge04

Fantastic!

Shoddyshardy

Thank you pidge. Sorry not been on the forums for a few days RL has been busy. But I’ve still been (fairly) MSE despite the start of half term. £30 this morning £231/£263.60 which leaves £32.60 to find to stay on track. I think that should be doable x have a lovely day my MSE friends

Shoddyshardy

Morning MSE friends. Hope you’re all not too cold after our lovely extended nice weather.

£100 paid today to celebrate pay day. That means I’ve hit this months target and carry over £67.40 into November. no cratch that I’m going to transfer the extra 3.60 so it’s a nice round £70/263.60.

I’m so glad I’ve worked out what I need to pay each month to clear before the 0% deal runs out it gives me a target each month otherwise I’d be tempted to spend the extra payments on pretty things :-)