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My journey to happy and debt free

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  • DancingInTheRain
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    Good to see you back, I'm sure you'll get back on track 🙂
  • enthusiasticsaver
    enthusiasticsaver Posts: 15,732 Ambassador
    First Anniversary First Post Name Dropper I've been Money Tipped!
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    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. 
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
  • Louoffofsparkle
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    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
    enthusiasticsaver Posts: 15,732 Ambassador
    First Anniversary First Post Name Dropper I've been Money Tipped!
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    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? 
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
  • Louoffofsparkle
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    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
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