6 debts down, 1 to go!

pidge04

I am not quite ready to start this new and final diary (my 3rd diary) but I want to get this ready to motivate me for when the time comes (July 2020). 
I first came here in 2018 in a right old pickle. I had 7 debts in total:
1) OD 1 £1000 
2) OD 2 £750
3) CC1 £3000
4) CC2 £2400
(Maxed out on those 4 debts).
5) LOAN £6500
6) STORECARD 1 £200
7) STORECARD 2 £200
I am due to make my final overdraft payment in May 2020 and my final loan payment is in June 2020. Everything will be paid off apart from....
CREDIT CARD £3100.
The limit is £4400. I am aiming to reduce the debt to at least £1999 by December 2020. 
The first thing I am going to do is work towards an Emergency Fund of £1000 by December 2020. 
One of my reasons for starting this now is I have to stop using my credit card as my emergency fund. FROM TODAY.
My first diary was 'I hope that I can do this' … 2 years on and I know that I will do this!

Kitten868

Wowee Pidge! This new diary is like an affirmation and I 100% approve. 

See you here on July as per the schedule xxxx

pidge04

Kitten868 said:

Wowee Pidge! This new diary is like an affirmation and I 100% approve. 

See you here on July as per the schedule xxxx

Ha ha!! See you soon!! 

charlotte1988

Great progress, looking forward to seeing your debt free announcement in the near future

Aspiration

Just subscribed, fantastic progress and here to cheer you on for the final part!! 

enthusiasticsaver

Great progress. Good luck on the final stage of your journey to get rid of the credit card. Is it 0%? Building up emergency savings is a good move. 

pidge04

A small step but I have sent back something which I paid for on my credit card and that was £36. I have something else to return later which cost £11. 

GeorgianaCavendish

Congratulations on your great progress so far! Looking forward to seeing more of this final stage of your debt free journey  
I am in a similar stage in that the end is in sight as far as debt is concerned, but I need to work on the savings / not seeing available credit as savings. 

pidge04

GeorgianaCavendish said:

Congratulations on your great progress so far! Looking forward to seeing more of this final stage of your debt free journey  
I am in a similar stage in that the end is in sight as far as debt is concerned, but I need to work on the savings / not seeing available credit as savings. 

Oh that's great! I'm so happy for you! It's a good feeling. We WILL become savers. 

Doris17

Well done on your progress so far.

pidge04

I didn't find the time tonight to take the £11 item back for a refund but I will tomorrow. I can also take something back and get a £30 refund tomorrow. Definitely prioritising those things after work tomorrow. 
I had to put another £19 on the card tonight for a bill I had forgotten about.
A mishap... A blip in the road... Tomorrow is a new day!
I wasn't able to log in and see my balance exactly last week when I tried so that's another priority for tomorrow or the day after... Small steps. Deep breaths. 
I've got the £3100 figure from my credit report so probably slightly out of date.
To bed!