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Biting the bullet

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  • It's funny the things 'the post LBM me' gets excited and annoyed by. Yesterday I thought I'd wasted £3 on something I ordered and was unable to pick up which annoyed me so much. In the past I would have thought nothing of putting £300 on a CC. Excited to get one of my cards well below 50% utilisation on pay day later in the week. First time in a long time on this AMEX that has been hanging over me too long.
  • Pay day coming up and looking forward to becoming sub-£8k :smile:
    First time ever this month that I have been within budget and not reached for a credit card at the end of the month. Itching to get this done!
  • Naomim
    Naomim Posts: 3,117 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Great going!  Have you done anything different this month to stay in budget?
    Credit Cards NOV 2019 £33,220.42 Sept 2023 £19,951.00 Tilly Tidy 20223/COLOR] Sept £43.71 Here's my diary: A Ditherer's Diary Again
  • Thanks @Naomim - thought twice about takeaways, I actually gave myself a bigger budget for daily spends but then 'rewarded' myself if I underspent with overpayments on cards.
  • Naomim
    Naomim Posts: 3,117 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Sounds like a good plan. I'm finding miscellaneous spends an issue and need to tweak my budget too.
    Credit Cards NOV 2019 £33,220.42 Sept 2023 £19,951.00 Tilly Tidy 20223/COLOR] Sept £43.71 Here's my diary: A Ditherer's Diary Again
  • Haven't posted an update for a while, and mid-way to pay day. Not a lot going on, but post statements with interest added, this is where I'm at:

    CC1 (0% until July): £1200
    CC2 (0% until July): £1190
    CC3: £2820
    CC4: £2755

    CC4 is highest interest so overpaying as much as possible, but if I keep on track, the 0% will be paid off by July too :smiley:
  • Can't quite believe it's been a year since updating. It's been a slow and steady year but as of today, I'm under £3k, and just have one credit balance. Could have been more aggressive with this and now just want to get the last bit gone! Any tips?? 

    CC1 (0%): £2999
  • So it's crept up after a spendy summer... it seems like because the bills are manageable I'm struggling for motivation to get the last bit paid off. Is it worth it as it's 0%? Need some encouragement! The other thing that's getting me is the easiness of the flex function on Monzo - it feels like free money but I know it's not :neutral:

    CC1 (0%): £3094
    CC2 (0%): £1691
    CC3 (0%): £288

    TOTAL: £5073
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