My journey to happy and debt free 5 January 2019 at 12:54PM in Debt free diaries 85 replies 6.7K views

Louoffofsparkle

So it’s another payday!
I’ve paid £43 to my virgin cc
£41 to capital 1
No payment due on RBS as paid at the start of this week
And no payment due on mbna this month.

So I’ve transferred £1015 to my savings account to use when the 0% deals are up.

I’ve also put £200 away for holiday spending
And I now have the full £120 that’s due in sept for my revalidation, and from next month I’m going to put £10 a month away for that so no more lump sums that I need to find.

I have a couple of nights out arranged this month so I’m glad this ones a 4 week month!

Planning on doing more this month to get myself active, going to start doing more regular walking. Had been thinking about a gym but until I can prove to myself that I can get out and do something it will just be a waste of money.

ohdearhowdidthathappen

You're doing great.

I'm starting to try and be a bit more active. I',m using a fitbit to make sure I'm doing my 10000 steps and have downloaded the Jillian Michaels app... it gives access to all her DVDs and loads of training/diet plans. I plug my mobile into my TV and workout at home... I'm only a week in, but it's massively cheaper than a gym.
Unfortunately, I may have to work on my love of wine and chocolate to see proper results!

Louoffofsparkle

Ohshithowdidthathappen that app sounds good I’ll need to have a look at it. My think is I have always done better in a class setting because of the accountability.
But I’ve been so on plan with the debt busting I maybe need to take that mindset into working out!

Louoffofsparkle

Finally got my money transfer with mbna sorted. They had put a hold on my account and I had to wait till my new card came through to sort it. My card arrived yesterday and I gave them a phone today.
Because I was looking for a large (£2000) money transfer they just wanted to check that if I was using it to buy something I wouldn’t have the protection of using a credit card.i explained i was using it to payoff my PayPal account so no issues.

Been managing lots more walking and feeling knackered from it! But I’m sleeping better so feeling the benefit from it.

Louoffofsparkle

A round up of my debt totals

RBS £5797.67
Virgin £4322.83
Capital one £1348.78
Mbna £4242.20

Total £15,711.48


Savings to pay debt £892

Louoffofsparkle

I’ve just checked my total compared to July and it’s up £700.
I’m not stressing about this as I have paid to go away in November for 5 nights myself to see a show that I like and have a few nights peace and quiet!
This was a decision I made by working out how much it would cost and how behind I would be in my payments- actually ahead in my paying off of debt. So I decided to go for it.
I’m still writing in my journal at home things I want to spend money on and really thinking about it rather than just buying things that I did before. I’m not perfect at it and I do find old habits creeping in but it’s definitely better than what I used to be like.
I might be thinking about the short high I used to get buying stuff but I’m being more mindful in remembering the long lows I felt after it.

It’s always a work in progress!

Louoffofsparkle

It’s coming up to a year since my breakdown or a more positive way of thinking of thinking Is my lbm.

It has been triggering me and I do feel like I’m struggling with it, so I need to re-evaluate how for I’ve come.

This time last year my total debt was £46000!
On credit cards, payday loans and 2 credit lines. Oh and my overdraft- that I was in constantly.
I had over limit fees of £12 a month on nearly every credit card, plus interest and overdraft fees. I was circling the drain.
I honestly couldn’t see any way out of it but one. Thankfully I didn’t take that way out.

Had I asked for help earlier I wouldn’t have been in such a mess. I’m so glad I’ve found this site and others who talk about debt.

Louoffofsparkle

Got a small payout from topcashback and one pulse so I’ve sent that £10 towards my capital one card.
Managed a nsd yesterday and today which I’m happy with.

[Deleted User]

Wow, you have made incredible progress! That is a huge amount of debt to pay off in just a year! And it sounds like you're in a much improved mental state too. Well done you!

Louoffofsparkle

So it’s coming up to payday again and I have been reflecting on my dfw journey.
I haven’t been taking out the £250 spends per month for the past few months but keeping it in a separate pot in my account, this isn’t working for me as I am overspending. So back to taking out the cash this month.
I think having the money on me makes me think about my spending a bit more.

It’s been another nsd day today and only a low spend planned for tomorrow, £2.50 for my bus ticket. Nothing much planned for the week coming other than getting myself out for walks.

Needing to check the balance that’s on the loan my husband took out for me, that’s been at the back of my mind while I got the credit card debt sorted.
Now that all my cards are 0% I need to work out how much I need to pay to them to clear them before the offers run out, and what’s left from my debt paying budget needs to go to the loan. Also going to work out when I can actually start overpaying the loan.

My capital one card will be paid off on Friday!!!!
So will get that card closed, also need to close my Tesco card. I’ve been using my Santander card for purchases the last couple of months but paying the full balance when due so might keep that one for that.

Started thinking about the ‘C’ word and on the lookout for bargains. Going to stick to a budget and not go overboard. I’ll be working that day so money saved in food already-hehe.