2020 time to change

EchoB

Thanks all for your comments. I will probably have to dip into the EF to clear my £1k 0% due in August, but at least I will have some back up squirrelled away. I hope to have most of it saved separately but that has gone out of the window with “unforeseen expenditure” over the last couple of months so I need to knuckle down and be ready for it.

I’m a bit behind today, but I will update my totals tomorrow once all my DDs have gone out.

So payday today 😁

I’ve worked out that I have just under £200 to last the month after paying everything and after my EF contribution.

Hopefully I can make it last on lockdown! At least I’m restricted on most things 😁

EchoB

PS @mark88man I bank with NW and they said their OD rates were staying the same and they were delaying the new 39% by 3 months.  I have £250 interest free.

I’ve not heard anything about £500 from them. I’m keen to not go into my OD again, it was a real challenge for me to crawl out of mine 🙈

bd80s

Yay to pay day!  
You can get the £200 to last, as you say nothing much to buy as all the tempting shops are closed

EchoB

So payday today, another step towards debt freedom.

my totals for the month are

Loan 1 £12,702 /14,396 I overpaid by £158 in April, there won’t be any overpayments this month
Loan 2 £13,886 / 15000

CC1 £0  / 4,022 
CC2 £4,181 / 4,397 0%
CC3 £1,023 0%

Total Debt £31,792 from £37,816 

15.9% paid off so far.

I need to clear CC3 next as it was only a 6 month deal, I have put £222 into my EF this month and it will be a struggle to not touch it! However I did end April with a £500 OD and I am intent on not going overdrawn in May. I have £150 to live on this month, which I am going to try to do.
Next month I will put £250 aside for CC3 and hope to in June also, so come the end of July I will have £500 to find. This isn’t unachievable but will be hard. Incidentally CC1 has offered me 0% BT for 12 months, but I’m going to try to not use this. 

EchoB

@bd80s the £200 became £150 😱😱😱
I’m going to try my hardest, I have a freezer full of food and nowhere to go to be tempted into my old naughty ways!

savingholmes

HI Echo you have a plan - you can make it - even on £150.

mark55man

good luck echo - very doable if not enjoyable- never a better time

EchoB

Down to £89! Although I don’t need to buy any food for about 10 days 😁

mark55man

its in the bag!! (or the fridge)

EchoB

I can’t say it was all healthy either 🙈