Time to start a fresh.

enthusiasticsaver

Excellent on getting rid of two of the cards.  I would tackle the Marbles one next as that is quickly sorted.  There is always this debate as to whether it is better to clear the debts smallest to largest or most expensive first but clearing the cards as the smallest debts seem like quick wins to me.  Definitely close them as you clear them so you cannot be tempted to spend on them again. 

BlueJ94

enthusiasticsaver said:

Excellent on getting rid of two of the cards.  I would tackle the Marbles one next as that is quickly sorted.  There is always this debate as to whether it is better to clear the debts smallest to largest or most expensive first but clearing the cards as the smallest debts seem like quick wins to me.  Definitely close them as you clear them so you cannot be tempted to spend on them again. 

Yeah people advised me to pay the higher CC off first but I prefer smaller as it motivates me more to pay the others. I just need to tackle the loans ASAP! 

BlueJ94

Not been on much, busy with work etc.
So far in the last week I have paid off 2 CCs in FULL closed my Capital One account and phoning Ocean Finance tomorrow to close the account also. 118 Money has put me on a 30 day breather plan, one loan is being paid at £1 a month instead of £89 (waiting for the house money to come through so hopefully I can pay the loans off) Rather proud I have actually paid 2 CC as I have never ever paid CC in FULL and closed them.

Rent goes out on the 14th which is also mothers day, I have pre ordered my mother an afternoon tea box to collect only for £10 and I will buy her some chocolates and flowers. I have budgeted well enough that I don't have any extra bills or anything going out and I'm waiting on £150 from surveys/research! I will put this towards Marbles CC!

BlueJ94

Going to work through all debts tonight and see how much I owe in total as DMP was only ever an estimate. Quick stop at the supermarket to get fresh veggies later on!

Paddington75

jadewest94 said:

Not been on much, busy with work etc.
So far in the last week I have paid off 2 CCs in FULL closed my Capital One account and phoning Ocean Finance tomorrow to close the account also. 118 Money has put me on a 30 day breather plan, one loan is being paid at £1 a month instead of £89 (waiting for the house money to come through so hopefully I can pay the loans off) Rather proud I have actually paid 2 CC as I have never ever paid CC in FULL and closed them.

Rent goes out on the 14th which is also mothers day, I have pre ordered my mother an afternoon tea box to collect only for £10 and I will buy her some chocolates and flowers. I have budgeted well enough that I don't have any extra bills or anything going out and I'm waiting on £150 from surveys/research! I will put this towards Marbles CC!

That's amazing, well done on getting rid of two debts!  I love the sound of the Mother's Day afternoon tea box, do you mind me asking where that was from?  I saw something like that online somewhere but it was £50.00!  Can't remember where it was now though, may possibly have been M&S

BlueJ94

Paddington75 said:

jadewest94 said:

Not been on much, busy with work etc.
So far in the last week I have paid off 2 CCs in FULL closed my Capital One account and phoning Ocean Finance tomorrow to close the account also. 118 Money has put me on a 30 day breather plan, one loan is being paid at £1 a month instead of £89 (waiting for the house money to come through so hopefully I can pay the loans off) Rather proud I have actually paid 2 CC as I have never ever paid CC in FULL and closed them.

Rent goes out on the 14th which is also mothers day, I have pre ordered my mother an afternoon tea box to collect only for £10 and I will buy her some chocolates and flowers. I have budgeted well enough that I don't have any extra bills or anything going out and I'm waiting on £150 from surveys/research! I will put this towards Marbles CC!

That's amazing, well done on getting rid of two debts!  I love the sound of the Mother's Day afternoon tea box, do you mind me asking where that was from?  I saw something like that online somewhere but it was £50.00!  Can't remember where it was now though, may possibly have been M&S

Thank you so much! Feels like I am slowly getting off the mark
it's local to myself its a family run business! But I think I seen Morrisons are doing something similar and I think its far cheaper than £50!!

Paddington75

jadewest94 said:

Paddington75 said:

jadewest94 said:

Not been on much, busy with work etc.
So far in the last week I have paid off 2 CCs in FULL closed my Capital One account and phoning Ocean Finance tomorrow to close the account also. 118 Money has put me on a 30 day breather plan, one loan is being paid at £1 a month instead of £89 (waiting for the house money to come through so hopefully I can pay the loans off) Rather proud I have actually paid 2 CC as I have never ever paid CC in FULL and closed them.

Rent goes out on the 14th which is also mothers day, I have pre ordered my mother an afternoon tea box to collect only for £10 and I will buy her some chocolates and flowers. I have budgeted well enough that I don't have any extra bills or anything going out and I'm waiting on £150 from surveys/research! I will put this towards Marbles CC!

That's amazing, well done on getting rid of two debts!  I love the sound of the Mother's Day afternoon tea box, do you mind me asking where that was from?  I saw something like that online somewhere but it was £50.00!  Can't remember where it was now though, may possibly have been M&S

Thank you so much! Feels like I am slowly getting off the mark
it's local to myself its a family run business! But I think I seen Morrisons are doing something similar and I think its far cheaper than £50!!

Ah thanks, I will try and see if I can find something similar near me.  Yes I thought I'd heard that Morrison's was doing something like that as well, might have a look on there.

Good luck with the next debt payment when you get your money through from your surveys.  If you can keep up with the surveys that will be a boost for getting the debts repaid

BlueJ94

Paddington75 said:

jadewest94 said:

Paddington75 said:

jadewest94 said:

Not been on much, busy with work etc.
So far in the last week I have paid off 2 CCs in FULL closed my Capital One account and phoning Ocean Finance tomorrow to close the account also. 118 Money has put me on a 30 day breather plan, one loan is being paid at £1 a month instead of £89 (waiting for the house money to come through so hopefully I can pay the loans off) Rather proud I have actually paid 2 CC as I have never ever paid CC in FULL and closed them.

Rent goes out on the 14th which is also mothers day, I have pre ordered my mother an afternoon tea box to collect only for £10 and I will buy her some chocolates and flowers. I have budgeted well enough that I don't have any extra bills or anything going out and I'm waiting on £150 from surveys/research! I will put this towards Marbles CC!

That's amazing, well done on getting rid of two debts!  I love the sound of the Mother's Day afternoon tea box, do you mind me asking where that was from?  I saw something like that online somewhere but it was £50.00!  Can't remember where it was now though, may possibly have been M&S

Thank you so much! Feels like I am slowly getting off the mark
it's local to myself its a family run business! But I think I seen Morrisons are doing something similar and I think its far cheaper than £50!!

Ah thanks, I will try and see if I can find something similar near me.  Yes I thought I'd heard that Morrison's was doing something like that as well, might have a look on there.

Good luck with the next debt payment when you get your money through from your surveys.  If you can keep up with the surveys that will be a boost for getting the debts repaid

Thank you! I'm aiming for end of the month for marbles, depending on my budget. Hopefully I can get some more surveys going 

BlueJ94

Sorry those who follow, been busy this weekend. Had to take my bumper and headlights out of the car and put it all bsck together again. Took me all Saturday and most of today to do it!

Plan of action this week;
Try and get more surveys 
Collect mothers day afternoon tea on mother's day 
Top up food shop 
Sort out spare room 

FootyFanDan

Keep up the great work. Hope you have a fab week!