What’s next is the question?

debftfreedream

So I’ve lost my previous diary - it was along these lines...

£5000 overdrawn
£4300 loans
£6500 Virgin cc (i pay £150 a month and £95 interest a month)
£4500 M+S CC (i pay £130 a month)
£3500 lloyds cc (i pay £75 a month)
£2000 Barclaycard (i pay £50 a month)
£1800 RBS cc (i pay £50 a month)
£1400 Halifax cc (i pay £45 a month
Total £29,000 😑😑😑😑😑

Now it stands at
£10,791 loan
£2700 rbs cc
£1600 bc cc
£4500 M&S
Now £19591 for 1/4/19

It’s mainly due to refinancing loan for better apr and help from my dad.
Now I’m on my own tho to resolve the rest of it.
I know for me that means keeping good spending habits. I’m not anything like I used to be so that’s fine but I need to be making more income to chip away at this.

Will continue this new diary and I hope you can offer any advice if you have it, it’s not going to be easy but I’m ready. For the challenge :j

MovingForwards

https://forums.moneysavingexpert.com/discussion/5889414/where-do-i-even-start-beginning-of-my-journey

Good luck with your new diary!