Third time's the charm...

Sarahwithlove

Well done on getting below 5k. That's great news about hubby's payrise, does this mean you'll have more spare money for debt repayments? Or are you going to increase your personal spends? 

LittleMissDetermined

Makingabobor2 said:

Wow excellent, a £10 bonus is a really big one. I normally get things like 70p!!  LOL

It was a £10 bonus on a 75p study too! I was shocked (and very happy) when I read the message!

bigbeff said:

You are flying through this! I'm so impressed, wish mine would go down that quickly!

It really seems that way, and I hope I can sustain the momentum

MissPennySave

Just skimmed through the last few pages of your diary and you have done amazing!!! My debt is around where yours started so this gives me hope and huge inspiration that I too can also get below the £5k one day!!!!! MPS.x

LittleMissDetermined

MissPennySave said:

Just skimmed through the last few pages of your diary and you have done amazing!!! My debt is around where yours started so this gives me hope and huge inspiration that I too can also get below the £5k one day!!!!! MPS.x

Just keep at it, it’s definitely achievable! Develop some good habits, join some challenges to help you and if you don’t have a diary yet then I highly recommend it to keep you on track. 

LMD x

RelievedSheff

You are going great guns 😀

LittleMissDetermined

Sarahwithlove said:

Well done on getting below 5k. That's great news about hubby's payrise, does this mean you'll have more spare money for debt repayments? Or are you going to increase your personal spends? 

Must have missed this as I was posting at the same time. I think I will use it to replenish the EF first and then increase debt repayments once it's back at £1k.

Sarahwithlove

LittleMissDetermined said:

Sarahwithlove said:

Well done on getting below 5k. That's great news about hubby's payrise, does this mean you'll have more spare money for debt repayments? Or are you going to increase your personal spends? 

Must have missed this as I was posting at the same time. I think I will use it to replenish the EF first and then increase debt repayments once it's back at £1k.

that sounds like a good plan 

Keedie

LittleMissDetermined said:

MissPennySave said:

Just skimmed through the last few pages of your diary and you have done amazing!!! My debt is around where yours started so this gives me hope and huge inspiration that I too can also get below the £5k one day!!!!! MPS.x

Just keep at it, it’s definitely achievable! Develop some good habits, join some challenges to help you and if you don’t have a diary yet then I highly recommend it to keep you on track. 

LMD x

I definitely agree with @LittleMissDetermined that a diary makes a big difference, mine has really saved me over the last 6 months and given me a much greater focus on what I am doing and has definitely made me more accountable. And yes @MissPennySave, this diary and LMDs progress and determination is very impressive and inspiring. I started my own diary after LMD's encouragement and seeing how much it was helping her.

LeeXenon

You're too quick for me, so I'm a bit late, but congratulations on breaking the £5K barrier, it really does seem as though you're on the final stretch now - Huge well done LMD.

LittleMissDetermined

Morning all, I had another cash out from Prolific this morning so I have sent £8 to CC7 as my PAD. Today won't be a NSD for me as I am meeting a friend for dinner this evening.  I have been snapping receipts this morning and I am (annoyingly) one receipt away from a £10 amazon voucher from Storewards, typical haha!  

We have some of my in-laws coming over at lunchtime too so this morning has been prepping for that. Hubby is at work tomorrow so I will hopefully have a more restful and chilled out day, just me and the dog. 

Hope you're all doing well 
LMD x