Time to start a fresh.

Blackcats

You are doing well.  Feeling happier and in control of your money is a great place to be.  

Clearing the Fluid and Barclaycard in the next couple of months will be a real boost and will make your signature look fab.

Parkyp

Having an emergency fund will make such a difference that you will have money to pay for a bill instead of having put on cc. You’re learning at such a young age, you ran up few bills now wanting to take control and no more adding to your debt.  Well done you 👏👏👏

BlueJ94

Thank you @Parkyp

FootyFanDan

Well done Jade, you have worked incredibly hard to get in to the place you are now. I think the extra income you are making as made a huge impact. I don't know how much you plan on building as an emergency fund but even a little amount will really benefit you. Here is to getting rid of the fluid and barclay card, also well done on avoiding temptations of more credit

BlueJ94

Thank you @FootyFanDan It's nice to slowly see the benefits of sorting my situation out. I agree! In a way I'm glad I messed up at a young age rather than later on in life. My aim is to have my CCs down to at least three maybe two at a push by Christmas. The loans, as high as they are and annoying, they can wait as I physically can't reuse them. I will however next week when I'm off work, plan my budget for September and go from there. I'm also off to Alton Towers next Wednesday so it will be nice to not let money be on my mind all day. Even though I'm not looking forward to the driving! Also on a plus side, I sleep a lot better recently.

rigare11a

I have read through some of your posts Jade (I will admit not all) but you are doing amazing, inspiration to me! 

BlueJ94

rigare11a said:

I have read through some of your posts Jade (I will admit not all) but you are doing amazing, inspiration to me! 

I don't blame you for not reading all, it's quite long

Thank you! Slowly but surely I'll get there

BlueJ94

I've done some house chores today, packed the last sold thing on ebay and now I'm sat on the sofa watching "ghosts" on BBC iPlayer 

BlueJ94

Morning all!

Counting down the days now until a week off work! I can't wait to just sit down and chill out I've got lots of gardening and reporting to do! it's also payday week next week aswell so I'll get the extra over time money! 

rigare11a

So jel you are about to take some time off work! I am starting to need a break for sure! Have a great great weekend