Final steps to debt freedom
in Debt free diaries
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I cashed out £30.99 yesterday on my PA and this went towards buying the final two stocking filler gifts for my OH last night.
The only other spend has been £2.60 pm bus fare to get us to the football. We parked up in town and then got the bus there, however, we did walk the 2 miles back to the car. This was the compromise as a 4 mile walking trip is too much for my 35 week pregnant body to handle.
I’ve also set myself another £30 target for PA for November.
£4.40 for the bus pass
£6.45 in Lush (two bath bombs for Christmas box)
£1 in Greggs (donut.. healthy!)
£2.20 in boots (5 photos)
£3.95 for a Costa hot chocolate
£14 takeaway (half with my sister)
£7.50 in M&S (I used a £20 gift voucher I to replenish my socks and pants)
I’ve also got the food shopping locked in for tomorrow and then have no further spends planned. I’ve been trying to find motivation to do surveys but they are few and far between plus I’m starting to get really tired.
The days seem to be flying by on maternity leave. I’ve done so many loads of washing (including all the stuff for the baby) I’ve also done a lot of general house tidying to keep on top of it and storage sorting and prep work for future events (Christmas presents all done and wrapped, started organising my OHs party for the end of Jan and done all the big enquiries for our wedding in April 2023)
We are also surprised by the lack of heating we’ve had on in the house. I’m not sure if this due to us having new windows and doors fitted or having the heated floor in the kitchen and bathroom but since November started we have only had it on twice and that was for 50 minutes each time. I’m not sure if it’s the pregnancy factor as well.. I’ve asked my OH and he also doesn’t feel cold!
This is the first time I have been debt free since being 20.. I am now 28.
- Closed down my Virgin CC that had £4,000 available credit
- I am in the processing of closing down my Barclay CC that has £8,000 available credit
- Looking into closing down my Argos card that has £2,330 available credit as I no longer use this.
- Keeping my Halifax CC as I can see the balance daily (£0/£2,700 limit). This will be for big joint purchases only.
- Re-allocating the £150 a month I had allocated for debt repayment into: £50 savings account per month for our daughter when she is born and £100 into our joint saver account for now (with the purpose of looking to overpaying monthly on our mortgage starting in the New Year)
- Keeping up with the PA surveys as it’s nice to have a bit of extra money per month to use as a treat.
I want to thank everyone who has read, left a nice comment, or offered me any advice on this journey. I found the forum really useful