Final steps to debt freedom
in Debt free diaries
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On the money front I sent another £10 payment to my card. I saw something I wanted to buy so I added it to my wish list (it was £13). If it’s still on sale when I get paid next Tuesday I may treat myself to it. We also got petrol (£11) from the joint account.
I’m also 58p from being able to cash out so hoping a survey comes through!
I've sent the money to our joint savings account as that is where all survey money goes currently. We've agreed once the kitchen is paid I can use my survey money for CC overpayments and my partner can do as he wishes with his.
I've found being with someone who is so resistant to credit cards and debt has shifted my mind set a lot and made me more disciplined. It helps me that my partner isn't too much of a spender. The last time he brought himself anything (clothing, games, books, fun stuff) was back in July. He is very disciplined and that has changed my mindset a little.
For the past 2 and a half years the only thing that's ever been put on a CC is a holiday deposit and that has then been paid off as soon as it's shown a balance.
Lockdown doesn't make for an exciting diary, does it? Work, eat, clean up, walk, exercise, shower, watch TV and sleep.
Still not spent anything. I have £12 in my account to last until the 26th and £59 in the joint account for the food shop. This is also the first month I haven't brought anything for myself.. (clothes, books, beauty products, jewellery)
OP Goal 2022 = 3.75% in OPs: £6,975 / £13,200
Emergency Fund Target: 3 months saved ✅
This week the shopping is at £57.89 so under budget and then whatever is left we will move to the savings and set the joint account to £0 to allow a clean slate for payday on Tuesday.
Next month we will have less full shopping weeks but potentially more takeaways as we are having the kitchen W/C 22.02.21 - if anyone has any tips to live without a fridge/freezer and cooking facilities for a week and a half please let me know!
We don't own a microwave so it'll be kettle and toaster only!
My partner got an additional £270 in his pay for this month. He wants to keep £45 to buy Football Manager and then the rest is going into the savings At least when he gets football manager I'll get to have control of the television, ha!