SuzyN's Debt Free Diary

UncannyScot

The important thing with this Open Banking is to ensure that you refuse to share your info. Means that no-one can snoop on your data and you can still use the banking app. Not sharing the data spares you from the incessant offers from finance providers...
It's the older generation that will struggle with these kind of things. My wee mam has enough trouble using the atm never mind all the apps n stuff that banks are shoving on folks. She still insists on going into the bank and dealing with a person. Yes, she complained when they done away with the bank books and issued cards...

Scott-Weiland

I am 38 and old lol I prefer the old ways I am going on holiday tomorrow and have no printer I have had to leg it up to the travel agent to get boarding cards what happened to the good old days where they post you everything gerrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrr

Kitten868

Nationwide still does saving books - very good for putting money away and resisting the temptation to spend.

SuzyN so so so glad you fixed your mortgage! And so glad you've moved over here. You definitely can do this. You've not lurched straight into a DMP, you've done your homework and you're doing it the smart way. I don't know if I said before but you can put on there that you smoke to give yourself some leeway too (build up savings?)

So I'm intrigued which debts have you cleared already? I think you should tick them off as you go. Plus not to make you run before you can walk but do consider selling stuff too - some very quick wins to build up your pots. Xxx

SuzyN

What a busy week its been - trying to keep on track on YNAB and I still have money left for the month which is amazing as usually I'm down to my last few quid and wondering how Im going to cover the rest of the month?!? NOT THIS MONTH :rotfl:

Of the debts I need to sort before DMP beginning...

This month I have paid off £986:

Dr's Bills - £200
Overdraft - £100
Capital One - £55
Vet - £339
Halfords Finance - £292

That leaves me with the following:

Car tyres and service - £300
Barclays - £396
Barclays - £396
Emergency Fund - £1000

I have been looking at where we spend our money and have realised that we hardly eat in the house. Need to look at this - need to see why and make some changes.

Kitten868

Wowee! £1000 paid off in a week! Well done you! And money left over.
I like replicating what I have when I go out. Nandos chicken for one. Fraction of the price at home.
I hate meal plans. But you might love them. But having the food in the house does help kerb the take away craving as you can make food quick x