Future is Bright

savingwannabe

Brilliant news on paying off the  credit card and TM and also extra hours at work. That is a miracle in this job climate!!!! I think you can buy a cake with all this good news but I shall understand if you make it with MF's advice!!! All in all it's amazing. 

AnxiousTheElephant

Haven't updated in a while but still plodding along
Debts now
TM 0
Arc 700
Lantern 670
CC 0

Savings
LISA 5033.22
Marcus 162.85

Plenty of overtime this week (22hours) plus a few clients from my self-employed business so looking good for next week!! Really looking forward to my day off on Sunday though!! Can't wait to do nothing 🤣 

MovingForwards

You have something to show for all the extra hours! 

Doing nothing is a great way to spend a day 😁

Skint_yet_Again

AnxiousTheElephant said:

Debts
                                                    Balance.  Apr.     Payment
Capital One CC (£400 limit).    £300.      34.9?   Usually clear every month
TM Legal.                                   £298.         0.       £9/week
Lantern.                                     £762.09.     0.     £30/week
Arc Europe.                               £776.39.     0.     £35.50/week

AnxiousTheElephant said:Haven't updated in a

while but still plodding along
Debts now
TM 0
Arc 700
Lantern 670
CC 0 

Your debts are reducing nicely. Well done! 😊

savingwannabe

Hello Anxious, totally fantastic news on the debt slaying, that you have OT and another job!!!! Wow you have so much energy. Well done  you. Make sure you don't wear yourself out though with only one day off. I hope you can spend some time enjoying the good weather when we have it. 

AnxiousTheElephant

Thanks everyone!! I do get plenty of time to rest too don't worry!! I'm a postie so I work until 2 then have the odd couple of personal training clients in the evenings. Obviously I've had to stop PTs during covid but now restrictions are eased I've started up again. 

Bought some bits to make some cheese and bacon turnovers tomorrow. Turning into my "thing" and OH is more than happy to eat them lol.

Also had an eBay purchase turn up.. dvd of the TV series "Lillie". Not sure if anyone's watched it but it's a 1978(?) TV series about Lille Langtry (mistress of Edward VII). My mum and I used to watch it on video and loved it.

savingwannabe

It's great that you have a sidehustle as they are called. Hope you are well and having a great weekend. 

AnxiousTheElephant

Feeling so positive today!!

Just been checking my credit report and I managed to get 2 defaults removed so my score has gone up massively! Only 1 default on there now from around 2years ago. Also a lot of "settled" payday loans have dropped off with more disappearing in the next few months (apparently I went crazy for payday loans in 2014). I know you shouldn't take too much notice of the number but at the beginning of the year my score was 218.. it's now increased to 672!!

I've been plowing most of my money into savings at the moment. I know it won't be like that forever but at least while we can't do much during the pandemic I'm getting good buffers! Also keeping it there so I am able to make f&f on last 2 debts if need be.

Debts now
Arc 670
Lantern 620
CC 240 (set up to pay off in full each month)

Savings
LISA 5034.63
Marcus 553.01

Few household jobs to do today and then hopefully enjoy some sun.

MovingForwards

I think 2014 was a bad year for a lot of us!  Your finances are looking good. 

Have a great day!

AnxiousTheElephant

Only one debt remaining (except credit card which I use for food and has been paid off in full 2months running)

Just started weekly online food shop after various offers through hello fresh for the last 9weeks. Aiming to keep it around 35-40 a week. First week was 45 but we did buy a lot of things that will last (sauces, tinned good etc). This week £36.

Got a great deal from a local butcher on chicken. £12 and I've bagged up and froze 28 portions from it.

Big 3-0 this week. So thankful to be where I am atm financially and emotionally after a long time.