You'd think I'd have learnt by now

moneyonmymindsam

Amazing... Love it and really well done. 
Happy days   
Might be an idea to telephone bank and get them to reduce limit down to stop any temptation?? And maybe just leave a small buffer. 
That's what I did. 
Sam x

Couldsavemore

Well my debt snowballing for this year is going well

@moneyonmymindsam..
my overdraft is set £200 so not a massive amount but gives me a bit of wiggle room. The problem was I was using it every month, hence no wiggle room. I’ve been sensible and paid it down rather than ask for an increase... or I’d spend that to.

OD and Cc debt now down to 445 from 900... feel like I’m getting somewhere with it now.

Had £25 left in grocery budget. Not as much as I had hoped but I have bought most of the staples for the caravan and I’ve set up a second freezer so I can survive a small zombie apocalypse. I also spent £20 of the grocery budget on t shirts for my son... so he will at least be well dressed for the zombie apocalypse!

Savings stayed at £2000 as had a huge car repair bill.

onwards and upwards...

Couldsavemore

Nothing much exciting going on.been very mindful about how much I spend on food and not wasting money. I have paid an extra £100 off my Credit card so for this month just sitting out the last weeks of lock down and waiting for spring•
hopefully we can get out in the caravan soon. I need a break from work

Couldsavemore

Money wise... it’s been a good month in that I have paid £122 off my cc which means it’s now in the 300’s and put another £400 in my savings account and £200 in big bill account.
Despite booking more caravan pitches... for the second month running I’ve reached payday in the black.
For the first month in a longtime I don’t feel overwhelmed by how my is in my bank account / debts.
The caravan is booked for its service (safety checks/damp check etc) but have kept up with my big bill account so I have the money for it.

Things to do in April...
Paint stairs and hallway... luckily I have ceiling paint and gloss in the shed so only need to buy wall paint
loose 2 lbs... or more but just need to keep chipping away at my gut
run 100km... perhaps not in one go
Do more / watch less tv... 
On the financial side of life..
chase previous utilities company as owe me money...
Sell some stuff on eBay...
keep bank balance in the black...
overpay cc by £100 (more if I can sell some stuff on eBay)

Couldsavemore

Been a busy week.. akso seems like ages since I posted!

I have been listing things on ebay, so far I'm close to 200. All of which has gone towards my cc debt. Got another payment of 40 to add when funds hit my bank which will see the debt drop below a hundred. So fingers crossed if I gind more stuff to list I can get it all paid off.

Spent quite a bit from my savings booking some expensive days out for my holiday but all covid protected. Am guessing things will get booked up quickly.

Also got my towbar electrics reoaired in time for lockdown lifting for caravanning... but my caravan is off for its service / mot the first weekenf we could go somewhere! But best to get it checked as its warranty runs out in may.

moneyonmymindsam

Wow your really doing well with eBay. 

It seems so manic at the moment for everyone. 

Sam x

Couldsavemore

Thanks Sam... yes it has! 
I've made 400 after fees! 

I have now cleared my cc debt!!!

I've found posting my over payments on the christmas challenge has kept me really focused!

As I'm debt snowballing... Its my solar panel loan thats next on my hit list...

I feel like I've had a £100 pay rise as thats the over payment I've been doing... 

Will search for more stuff for the bay of e..
I've at least bikes I don't use.. a caravan awning... some sports stuff..

Good Morning all.. its a debt fully paid off day today for me

moneyonmymindsam

Congratulations 

Fantastic news

The only way is up from here