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

DancingInTheRain

Good to see you back, I'm sure you'll get back on track 🙂

enthusiasticsaver

Glad you stopped the overspending before spiralling out of control again.  June 21 is not bad considering the amount of debt you had and if the cards are all 0% that is good. 

Louoffofsparkle

Thanks enthusiasticsaver 
I think I felt too safe with everything being 0% and I just let my foot off the break. But it’s the only way to learn and no damage has been done and my mood hasn’t taken a dip.

enthusiasticsaver

Louoffofsparkle said:

Thanks enthusiasticsaver 
I think I felt too safe with everything being 0% and I just let my foot off the break. But it’s the only way to learn and no damage has been done and my mood hasn’t taken a dip.

That is incredibly common to stop with debt busting once it is at 0% and just let it coast.  The thing is though unless you repay it before the end of the deal period you will need to balance transfer again at the end of the period which costs.  Have you set the direct debits at levels high enough to repay it? 

Louoffofsparkle

My dd’s are set to minimum but I’m paying extra towards the one that the 0% deal is up first. Got a spreadsheet with what I need to pay each month to clear them before the deals are up