Trying to get my debts off my chest.

135

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  • pinpins
    pinpins Posts: 46
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    Payday means the start of my new monthly budget. I’ve paid  another £400 off my CC and added another £10 into my locked pot. 
    Only a small weekly food shop needed after some meal planning and prepping .
    Here’s to a good week 🙌
    £9150 (Jan 2020)
    Current Debt as of April 2021 £750
    Emergency fund-£1000
    Extra security locked pot- £500/£1000
  • pinpins
    pinpins Posts: 46
    First Anniversary Combo Breaker First Post
    Forumite
    I love paydays now .... mid-month I plan what I'm expecting to do.... then I check online to see what I'm getting .... then on payday it's full steam ahead transferring money to where it's assigned, a chunk into Starling then that's subdivided into the correct spaces .... I used to just bury my head and ignore EVERYTHING ! Now I'm in total control of my money, £900 in the EF, £570 in the Annuals space, even got £75 worth of Premium Bonds !  I check my accounts every day at least once, and still write down everything I spend money on and tick it off the budget, and then move money from the appropriate pot. 
    It feels good to be in control.
    Me too. I used to sort of dread them as it would mean a *slightly* less negative balance- for a bit.
    I love ticking off the direct debits once they’ve left my account.
    You are totally right. It feels good to be in control ☺️
    £9150 (Jan 2020)
    Current Debt as of April 2021 £750
    Emergency fund-£1000
    Extra security locked pot- £500/£1000
  • enthusiasticsaver
    enthusiasticsaver Posts: 15,320
    First Anniversary First Post Name Dropper I've been Money Tipped!
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    Shall I move this to the diaries section for you?  You are doing great and sound so much in control now. 

    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing [email protected]. All views are my own and not the official line of MoneySavingExpert.
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  • pinpins
    pinpins Posts: 46
    First Anniversary Combo Breaker First Post
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    Shall I move this to the diaries section for you?  You are doing great and sound so much in control now. 
    Yes please.
    Thank you so much. ☺️
    £9150 (Jan 2020)
    Current Debt as of April 2021 £750
    Emergency fund-£1000
    Extra security locked pot- £500/£1000
  • enthusiasticsaver
    enthusiasticsaver Posts: 15,320
    First Anniversary First Post Name Dropper I've been Money Tipped!
    Ambassador
    Moved to diaries

    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing [email protected]. All views are my own and not the official line of MoneySavingExpert.
    Link to soa: https://www.lemonfool.co.uk/financecalculators/soa.php

    #1 1p savings challenge 2024 £82.56/£671.61
    #1 Save £12k in 2024 £2500/ £12000
  • pinpins
    pinpins Posts: 46
    First Anniversary Combo Breaker First Post
    Forumite
    Hi all 
    I haven’t posted in a long while. I have still been chipping away at my debt though. It’s now £3200!
    Of that £1500 is still owed to me by my partner. 
    Now we are back in a lockdown I’m determined to get more sorting and selling of stuff to get that debt gone.
    I am still checking my account frequently, using my budget tool and Monzo to keep me in control.
    Hope you are all well. 
    Happy New Year 
     
    £9150 (Jan 2020)
    Current Debt as of April 2021 £750
    Emergency fund-£1000
    Extra security locked pot- £500/£1000
  • pinpins
    pinpins Posts: 46
    First Anniversary Combo Breaker First Post
    Forumite
    Hello all
    £15 from some eBay sales today. Another little chip out of that Boulder!
    I was thinking that I was disappointed that I haven’t managed to get rid of my debt yet, but when I look at the amount it was last January I have to remind myself it’s huge progress.
    A step forward is still a step in the right direction isn’t it? :-)
    hope you all have a great day. 

    £9150 (Jan 2020)
    Current Debt as of April 2021 £750
    Emergency fund-£1000
    Extra security locked pot- £500/£1000
  • pinpins
    pinpins Posts: 46
    First Anniversary Combo Breaker First Post
    Forumite
    It’s a new week, we are working our way though the longest month!
    I’ve set my meal plan up for the week, just need to pick up some bread and milk. 
    I made another £18 from eBay sales yesterday from some old kitchen bits. 
    Hope you’re all well, have a great day. 
    £9150 (Jan 2020)
    Current Debt as of April 2021 £750
    Emergency fund-£1000
    Extra security locked pot- £500/£1000
  • pinpins
    pinpins Posts: 46
    First Anniversary Combo Breaker First Post
    Forumite
    A few more little eBay sales and a small cash out from Quidco takes another £24 off of my lump. Slowly slowly. 
    After a successful week last week of meal prepping, spent under £7 on bread/milk and vegetables, this week is going well too. I really feel like I’m on top of it all at the moment. 


    £9150 (Jan 2020)
    Current Debt as of April 2021 £750
    Emergency fund-£1000
    Extra security locked pot- £500/£1000
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