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Let's face the music and dance...

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  • Starbrite
    Starbrite Posts: 960 Forumite
    Part of the Furniture 500 Posts Name Dropper Photogenic
    Jox said:
    Get well soon, keep plodding along, you'll get there, I have a notebook and every month about the same time I write down what debts I have, after a year I was able to look back and see how far I'd come, I've got some savings too so it was good to see how much I was able to save in a year, though I still have lots of debts too...
    I have a budget book too, I stated that Jan 2020 and yes if I look at that and compare to today I am in a far better position, I think knowing money is going to be tight next week due to having three days off this week, knowing my job finishes end of April is having a knock on effect

    Thank you, all we can do is keep plodding XX
    Aspiring to be financially independent.... from my parents!
  • beanielou
    beanielou Posts: 96,630 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Keep plodding  :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Starbrite
    Starbrite Posts: 960 Forumite
    Part of the Furniture 500 Posts Name Dropper Photogenic
    edited 1 April 2021 at 11:05AM
    1st April whoop whoop
    Figures currently stand at:
    • Car Warranty £200.00
    • Very: £607.22
    • Tesco's c/c £1,076.00
    • Wescott/MBNA: £ 2,870.00
    • Intrum/Virgin: £3,023.00
    Total: £7,776.22
    Tesco c/c 0% runs out in June, I've had a look at the eligibility calculator on here for a new 0% balance transfer card, alas they all say zero chance of getting one! hoping I find a new card to transfer the monies over too as do not want interest to be added on


    Aspiring to be financially independent.... from my parents!
  • Sarahwithlove
    Sarahwithlove Posts: 3,408 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Could you focus on trying to pay as much as you can off tesco before June so that any interest is on as small as amount as possible 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • beanielou
    beanielou Posts: 96,630 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    A wee mini challenge for Tesco  :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Starbrite
    Starbrite Posts: 960 Forumite
    Part of the Furniture 500 Posts Name Dropper Photogenic
    edited 5 April 2021 at 5:17PM
    Normally I'd be like yes and that would be my plan, however, have been off ill last few weeks and do not get paid if I do not attend work, have no holiday pay either.
    So wages are primary going onto the bills rent council tax then the others, there is no spare at the moment to pump onto the C/C also Very BNPL runs out in july so have that to clear too

    9 weeks until the Tescos 0% runs out is £119.55 a week..... when you earn £350.00 max a week that isn't going to happen

    I know I am an idiot who did not foresee being ill :(
    Aspiring to be financially independent.... from my parents!
  • Starbrite
    Starbrite Posts: 960 Forumite
    Part of the Furniture 500 Posts Name Dropper Photogenic
    Day before payday, had £1.90 left in the account do put that onto the tescos cc balance is now £1,074.10


    Have two interviews tomorrow one is a third interview yep a third, why a company needs to interview someone 3 times in beyond me, no idea what more I can tell them or even ask

    Other is for a band 4 bank role at NHS, I am band 3 at the moment, worth a try right!

    So fingers and toes crossed I get the third interview role
    Aspiring to be financially independent.... from my parents!
  • Drawingaline
    Drawingaline Posts: 2,988 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Good luck 🤞🤞 u
    Debt free Feb 2021 🎉
  • Starbrite
    Starbrite Posts: 960 Forumite
    Part of the Furniture 500 Posts Name Dropper Photogenic
    Quick update: I got the band 4 NHS role! ok it is bank and only for 6 months but its more many than my current bank role and will allow me to pay more on the debts.

    I do need to be more strict with myself, last year I pumped money into the rent arrears and cleared the arrears, this year I seem to be doing a half heatred job at paying the debts

    S
    Aspiring to be financially independent.... from my parents!
  • Drawingaline
    Drawingaline Posts: 2,988 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Well done! Keep going, and clearing your rent arrears was no easy feat, and you did it!
    Debt free Feb 2021 🎉
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