£31k of debt to go in 18 months.

flapflop

Thanks @MrFrugalFever. My budget for clearing debts doesn't include additional income from selling. That is just from my income and tax credits. The selling is an added extra to help pay a few off a little more quickly. 

MrFrugalFever

flapflop said:

Thanks @MrFrugalFever. My budget for clearing debts doesn't include additional income from selling. That is just from my income and tax credits. The selling is an added extra to help pay a few off a little more quickly. 

@flapflop of course and it’s doing wonders for your credit balances! keep us all posted

flapflop

I forgot to take anything for dinner out of the freezer today so ended up spending £5 on chicken breasts. I did sell quite a bit last night so have £113 to come from Ebay and £66 on it's way. My Next balance is saying £76 from statement balance remaining and £158.50 current balance. I was going by the £76 one but it looks like I may have a bit more to clear which is a downer. Either way I can clear it with Ebay but I was hoping to put that towards Very. I also found out on Friday that my tax credits are due to reduce by £100 a month from April which puts my DFD back a month. I'm trying not to let it get me down and ultimately it's not that bad but I still feel disappointed. Never mind, onwards we march. I'm hoping to have an extra £45 by this evening but apparently you can't put money into Monzo from the post office so I'm glad I have kept my other one open. Tomorrow I'll stick that into the account and make another payment. 

dawnybabes

I’d look at going over to Uc, you will be so much better off. 

flapflop

dawnybabes said:

I’d look at going over to Uc, you will be so much better off. 

When I did the calculations through turn 2 us we were about £80 a month worse off. I'm not sure how we are getting different figures. 

dawnybabes

This is a really good Facebook group to check things out. 

flapflop

Thanks @dawnybabes, I'll check it out today. 

flapflop

Monzo question: Ebay (managed payments) contacted me yesterday to say they were sending £66 but it hasn't shown up yet. Is that because it was a weekend do you think and hopefully it will appear today? I have checked and double and triple checked  the account details and they are correct. 
What does today have in store? Post office...........oh that's all. Good news, I managed to get rid of the smell of wee that had been haunting the downstairs bathroom for ages. Who'd live with boys? I also have 2 people coming to collect things today so that should be an extra £40 if they turn up. I can't pay off any debts until the money with Monzo is sorted but I have moved extra money into a savings pot with my normal account so it doesn't get used elsewhere. 
Right now, I must go and get food out of the freezer for dinner. 

flapflop

Eeeek, good news. I phoned Next as I was impatient to see whether I owed £76 or £150 something and it was just the £76 which I paid today. That means that the money I've made the last few days can go towards Very. That currently stands at £384. I have £113 due from Ebay which brings that down to £273 plus I'm hoping to have £41 from sales by the end of the day. Good debt clearing day. 

CL21

Brilliant!! So motivating 👍🏻