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Wobbling my way out of debt
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Could you get a mattress topper to make it last a few more months?*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/0 -
Ooh that's a good idea @Sarahwithlove I wonder if a topper would work with a memory foam mattress? I don't think I've ever used a topper but just found quite a good one on Dunelm for £50...it's pretty tempting.Wobbling my way out of debt one month at a time
Credit Card £0/£3,161 0% interest PAID IN FULL 29/01/2021
Loan £0/£23,179 5.4% PAID IN FULL 31/08/2020
Total £0/£26,340 100%
DEBT FREE AS OF 29/01/2021
wobbling-my-way-out-of-debt0 -
We have just ordered 2 single mattresses but luckily our recycling centre is still open so they will be delivered on weds and be taken Friday aft. Bensons wanted to charge £60 to collect the old ones
Pennies starts again...........2022 - £13,579.220 -
Sadly our kingsize mattress won't fit in our car even forced in to a fold so I need someone to take it away. I'd order a new mattress in a heartbeat if I could dispose of my old one easily enough.Wobbling my way out of debt one month at a time
Credit Card £0/£3,161 0% interest PAID IN FULL 29/01/2021
Loan £0/£23,179 5.4% PAID IN FULL 31/08/2020
Total £0/£26,340 100%
DEBT FREE AS OF 29/01/2021
wobbling-my-way-out-of-debt0 -
You can put them on top of any mattress I believe as you hold it on over the 4 corners like a sheet. Have you looked to see if your local council offer a chargeable service ours does.*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/0 -
Ooh that's a good shout about the council @Sarahwithlove I will check it out.Wobbling my way out of debt one month at a time
Credit Card £0/£3,161 0% interest PAID IN FULL 29/01/2021
Loan £0/£23,179 5.4% PAID IN FULL 31/08/2020
Total £0/£26,340 100%
DEBT FREE AS OF 29/01/2021
wobbling-my-way-out-of-debt0 -
I made my first post here on 6th Jan 2015 (6 years and 24 days ago) and after a few false starts, what a journey it has been!
Today, I made my final payment to my credit card, excluding my mortgage I am now officially debt free with just over £3k in savings (useful to have whilst I sit in my house with a broken boiler awaiting a £400 fix) 6 years ago that would have been a loan repayment holiday or adding to CC debt.
Thank you all for joining me on this adventure, there have been tough times and there have been good times but 100% I couldn't have done this without your words of advice and encouragement.
Updated signature too! I can't believe it's over.Wobbling my way out of debt one month at a time
Credit Card £0/£3,161 0% interest PAID IN FULL 29/01/2021
Loan £0/£23,179 5.4% PAID IN FULL 31/08/2020
Total £0/£26,340 100%
DEBT FREE AS OF 29/01/2021
wobbling-my-way-out-of-debt9 -
Fantastic. Well done and I would get yourself over to the debt free roll of honour thread.
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The 365 Day 1p Challenge 2025 #1 £667.95/£301.35
Save £12k in 2025 #1 £12000/£80001 -
How amazing you have done
x Pennies starts again...........2022 - £13,579.221 -
Brilliant , think i will read your diary from start to finish to get some ideas. I have a similar amount of debt that you had when you started so its inspiring that you have now cleared that debt. Well done Pay ALL your debt off by Xmas 2021 no 50 Target for this year £12,000
Pay all your debt off by Xmas 2022 target £15,000 pd £7969.95 / 15,000
SPC 2022/23 014
Pay all of your debt off by XMAS 2023
#no 28 target £11,200.001
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