2020 time to change

Chrystal

Definetly sounds like a good plan.

EchoB

Another month down!
Current status is;

L1 £11,000 from £14,396
L2 £12,749 from £15,000
CC1 £0 from £4,022
CC2 £3,981 from £4,397
CC3 £0

total debt £27,731 From £37,815
I have paid £10,114 in total which is 26.7%

EchoB

This month felt like another tough one. I’m hoping September is going to be less “eventful”.
I am determined to end the month with £250 in my EF. I am feeling frustrated as I should have made more progress in August, at least my debt didn’t increase. 

Food spend has been too high lately so im going to get meal planning again and being organised, as popping to the shop for a pint of milk results in about £12 spend 🤦🏻‍♀️

bd80s

Great progress being made  
I'm with you on the being organised for shopping, i'm so much better when I've planned and have list in hand. 

EchoB

I’ve finally started to list my pile of “things I don’t want/need but are too good to throw away” on ebay. I’ve made sales of £130 so far. I’ve put £100 to my loan and £30 in my EF.

I have decided I am going to use money from selling things to reduce my loan balance as I’m going to build up the balance to clear my cards from my salary.

I have been feeling slightly frustrated that the loan isn’t going down so hopefully this will fuel my selling motivation 🤞

EchoB

I ended September with £100 in my savings account-not what I’d hoped but better than the last few months.

Progress so far;

L1 £10,259 from £14,396
L2 £12,461 from £15,000
CC2 £3,931 from £4,022
Total £26,643 from £37,815  £11,202 or 29.5% paid off 

only had £100 in my EF, aim for this month is to have at least £350 at the end of the month.

DrCarrie

Wishing you all good things in your onward journey, you have come a long way!

EchoB

So not sure where October went!

totals are
L1 9,357 from 14,396
L2 12,172 from 15000
CC 3,881

Total £25,410 from £36,815 which is 32% 
I’m almost a third of the way there :-)

I did have some EF left at the end of the month and am hoping I won’t touch it this month.

I made a 500 over payment to the loan this month and I hope to do the same next month, it helps me to see the balance come down.

hope everyone is well and coping with lockdown 2. It’s certainly helping with my NSDs!

Sarahwithlove

Well done you are doing great keep going. 

EchoB

Thanks @Sarahwithlove trying to keep on track! Luckily Covid has removed lots of temptation for me!

December update
L1 £8,250 from £14,396
L2 £11,881 from £15,000
CC 3031

Total £23,162 from £36,815 

37% paid off