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Why Walk When You Can Fly

edited 11 September 2018 at 11:18AM in Debt Free Diaries
566 replies 32.7K views
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Replies

  • debtaghhdebtaghh Forumite
    1.7K posts
    Part of the Furniture 1,000 Posts
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    You are doing great!!!
    Credit card debt ( May 2019) : £56,918... won't even start on the family debt :eek:
  • Purplemumof2Purplemumof2 Forumite
    7.8K posts
    Part of the Furniture 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    debtaghh wrote: »
    You are doing great!!!

    Thank you, but I feel kind of stuck in a rut at the moment.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £7070.00 :mad: Lloyds: £7850.00 :mad: MBNA: GONE :)
    Feb LTW 2/20
    PAYDBX 2020 #041 PD £298.03/£8000
    Xmas Pot £52.85/£500 ~ EF £280/£500
    20p Savers 2020 :) £2 Savers 2020 :) 50p Savers 2020 :) SPC 13 2020 #003
  • debtaghhdebtaghh Forumite
    1.7K posts
    Part of the Furniture 1,000 Posts
    ✭✭✭
    Thank you, but I feel kind of stuck in a rut at the moment.

    How come?x
    Credit card debt ( May 2019) : £56,918... won't even start on the family debt :eek:
  • Purplemumof2Purplemumof2 Forumite
    7.8K posts
    Part of the Furniture 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    Not sure, just feels like one step forward and three back. Probably just a phase.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £7070.00 :mad: Lloyds: £7850.00 :mad: MBNA: GONE :)
    Feb LTW 2/20
    PAYDBX 2020 #041 PD £298.03/£8000
    Xmas Pot £52.85/£500 ~ EF £280/£500
    20p Savers 2020 :) £2 Savers 2020 :) 50p Savers 2020 :) SPC 13 2020 #003
  • debtaghhdebtaghh Forumite
    1.7K posts
    Part of the Furniture 1,000 Posts
    ✭✭✭
    Not sure, just feels like one step forward and three back. Probably just a phase.

    I think you have done well and seem a lot focused and have goals x
    Credit card debt ( May 2019) : £56,918... won't even start on the family debt :eek:
  • Important update! We have recently reviewed and updated our Forum Rules and FAQs. Please take the time to familiarise yourself with the latest version.
  • Homegrown0Homegrown0 Forumite
    1.3K posts
    1,000 Posts Second Anniversary Name Dropper
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    I feel like that a lot too Purplemum. Mostly on every day other than those I'm making payments/ progress.

    For me it's impatience.

    Hope the feeling passes soon.

    Do you have a milestone to look forward to? Next thing to be paid off or to go into the next debt bracket etc? Might help with your feelings towards it?
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target £10,000
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
    12.8K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    I have enough between the CC overpayment pot and the EF that I can clear the Cap One card now, but that would leave the EF brassic.

    I could then come February pay day -

    Pay £250 off the MBNA, or £200 if I have cleared the £50 target I set myself.
    Pay £100 off the Lloyds, as per normal

    I would be so tempted to clear the Cap One card. Are you going to close it down once it's cleared?
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £900/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
    12.8K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    I feel for you with the school uniform :eek:. I'm so glad that mine have left school!

    Good luck with the six year job in Oxford :).
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £900/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300
  • Purplemumof2Purplemumof2 Forumite
    7.8K posts
    Part of the Furniture 1,000 Posts I've been Money Tipped!
    ✭✭✭✭
    I would be so tempted to clear the Cap One card. Are you going to close it down once it's cleared?
    I feel for you with the school uniform :eek:. I'm so glad that mine have left school!

    Good luck with the six year job in Oxford :).

    No DH wants to keep it open for emergencies. I've hidden the others.

    Thanks, will need to ring the agency tomorrow to see if the company wants to see me.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £7070.00 :mad: Lloyds: £7850.00 :mad: MBNA: GONE :)
    Feb LTW 2/20
    PAYDBX 2020 #041 PD £298.03/£8000
    Xmas Pot £52.85/£500 ~ EF £280/£500
    20p Savers 2020 :) £2 Savers 2020 :) 50p Savers 2020 :) SPC 13 2020 #003
  • Lucifa73Lucifa73 Forumite
    7.7K posts
    Part of the Furniture Combo Breaker
    ✭✭✭✭
    Maybe the 'in a rut feeling' is because you are so close to clearing that card? Would it feel better to pay off a bit now and then clear it in February? So you can see a move in the numbers?
    26.2.19/14.1.19: T MC 3629.26/3629.26 : VM 0% 1050/13876.59 : W 0% 100/1485 = 4409.26/18990.85 =25.17%
    28.1.19/28.1.19 Hubs 0% £400/£2,977 =13.44%
    SPC 2019 #073


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