First Step On A Long Road

WTBDF90

Evening all

Not much more to report here, it's the last little trudge up to payday - BH got the food shopping this week so didnt get the chance to do any kind of YS shopping, but will do next weekend!

Have looked at all three of my credit files this weekend, pleased to report that within the next 6 months my final defaults will fall off, which just leaves my satisfied CCJ to come off next year and everything should be looking a LOT healthier.

Bought one final pack of the cats expensive food to mix in with the newer, cheaper stuff as he's pretty much ignored it since I started putting it down. 

Going to dig out some old bank details so that I can set up a DD to my newly opened LISA - I'll just transfer the £10 p/m I'll be paying in (for now) into this account that is used for nothing else, and then it can just do its own thing.

Need to look at adjusting the DD details for a few payments, I run two main bank accounts (Lloyds and Monzo) but have some DD that come out of Monzo just because I've not had my Lloyds card to hand and got the Monzo card number from the app. However, a lot of the time this means my DD's bounce from the Monzo account so I need to work through them this evening to all come from my Llloyds account. The Monzo account is mainly for petrol and food shopping money, though I've just opened a pot for any little extras to go into e.g from PA or Qmee, then at the end of the month 50% can go towards a debt OP and 50%t towards my LISA.

WTBDF90

Checking in here as its payday today, made some manual payments that I needed to make and all looking okay at the moment.

Been able to do a few extra hours of my side hustle this week, but I'm on night shifts so not making myself do more than an hour or so each day beforehand as I don't want to be too tired when I arrive for my 10 hour shift!

Cat has transitioned well onto his cheaper food which is good and will save a lot of money per month  

Not much else to report here just yet, most direct debits will go out tomorrow for debt payments

elbree

Well done @WTBDF90, it's great when payday comes and you can pay off chunks and really see the progress. Good to organise too and get your accounts sorted. Keep up the good work!