Becoming obsessed....

FOMO_overspender

That's amazing progress in only 3 months of salary! Well done on clearing your overdraft and the Emergency fund. Very inspirational to see (I have around the same level of debt) and I think everyone will be in the same boat re: overpayments now as restrictions start to ease off. 

Well done! 

EssexOstrich

Hi @FOMO_overspender, thanks for the support You've also done great, very similar amounts, I'll just be playing catch up a bit to you every month!

savingholmes

Well done on your progress .I think the EF is a keeper as it breaks the psychological addition to getting into more debt - and cashflow is what keeps you going in a crisis.

in_my_wellies

Well done everyone on this thread. Amazing progress!

Seasidegal58

You've done so well. Have you tried Opinium for surveys?  I do these - you have to get up to £25 before you cash out but the surveys tend to arrive quite frequently. 

EssexOstrich

Feeling very overwhelmed by the numbers tonight. Anyone else felt like that?

I'm still very committed to paying it off and not adding any more debt but it feels like such a long, all-consuming road ahead. I know I can't keep throwing money at it at the pace I have been, but the thought of not doing so makes me feel a bit stressed, even though I'm already in a much better position than I was when I started this diary. I've also been doing surveys and ebaying bits and pieces but it's such a tiny drop in the ocean. Fingers crossed for a more positive day tomorrow.

joedenise

You're doing so well, don't beat yourself up.  You can't keep on throwing all your spare money at the debt.  Make sure you keep some 'fun' money - you know the saying "All work and no play ..." - everyone needs some time and money set aside for fun.

The best you can do is to make sure you don't add anything to the debt, reduce the debt by more than the minimum payments, get as much as possible on to 0% deals.

I know you say the surveys and eBaying is a tiny drop in the ocean but as one of the big SMs says "every little helps"!

Aspiration

I think this is really common, I can completely relate!! You’re doing really well

horseeatsallmymoney

I've just read through your diary from the beginning- you're making great progress!

I know what you mean about becoming addicted to the spreadsheet. I seem to look at mine multiple times a day even though I know nothing has changed.

Mumoffourkids

I am the same in that I look at YNAB multiple times a day but nothing changes. I get money in at different times of the month as well, but I still enjoy budgeting. I found when I was in debt busting mode, every little extra I got in would go towards my debts and that definitely helped clear the balances down. You are doing so well and just need to keep going, but as joedenise said you need to build in some fun money into your budget.