SadieO wrote: »
So sorry about your mum, and I wish you well in your debt free journey. Just a little thing - seems like a costa is a little treat for you. Do they do gift cards? If so, you could buy yourself a gift card each month (budgeted for, of course!) and then you can have your little treat when you need a pick-me-up and know that it's not eating into any other parts of your budget. :coffee:
DancingInTheRain wrote: »
Just popping in to wish you well. What a difficult time you've been through but it sounds like you've got a good plan in place to bring the debt down. Well done on getting rid of the sofa finance, that's one debt busted already :T Is it worth snowballing that payment on to one of your other debts? (So adding the £83.13 to the monthly payment for one of your other debts to bring that particular debt down faster) or perhaps splitting it between your EF and one of the debts?
Also, in addition to Shoppix and Receipt Hog I've recently discovered ZipZero for scanning receipts and would recommend.
Prolific Academic is a good survey site too to build extra income if you have the time, these surveys are at least usually quite interesting, I've little patience for the other survey sites but have stuck with this one.
Good luck x
ohshithowdidthathappen wrote: »
Thought I'd repay the visit!
Sorry to hear about your Mum, my Dad died April 2018 too and it's still incredibly raw. You had the added upheaval of having to sell your home, which must have been very unsettling.
Well done on getting rid of the DFS debt so quickly. I'd be tempted to throw all debt repayments at the smaller CC (RBS I think?), it'll be gone in no time and then that leaves you the other CC to hit next.
Looking at your SOA, the items standing out to me are food, TV and phone.
- food, you should be able to bring this down a bit, perhaps aim for £30pw?
- tv, we use Now TV, only costs £8 pm for entertainment package. We then use free view on top. Broadband, we use BT, the MSE website usually has some deal or other going. We pay £32 a month for this... so in total, phone, TV and broadband costs us £40 a month.
- mobile, we all have SIM only deals, again through BT. £8pm each, unlimited calls and texts and 8GB data.
Hope those suggestions help and good luck on your journey :-)
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