Debt free by 40

Four_Seasons

Welcome, I will be cheering you on.

jokono

Thank you @Four_Seasons !

jokono

I have added the CCs and loans to my signature. I was doing much better but when offered 2 BT cards with 0% I transferred approx £4500 and closed one of my partner's cards. Made sense as he didn't have any BT offers. 

anjyeah

You sound like someone with a plan already. Well done! 

I don't have any kids myself but I would never sacrifice quality if it means that I can use it longer than if I bought a cheaper version. 

CRANKY40

Good luck with your journey 😊

ZaSa1418

Happy DF Diary, good luck  

jokono

@anjyeah @CRANKY40 @ZaSa1418 Thank you!

I'm taking a little break from work, it's been super busy this week. I managed to rush into town during lunch to collect some books from the library. I parked in a 30min free spot but spent £3.46 in late return fees. At least half of them were during lockdown when they said they wouldn't charge/ remove them. They're so underfunded I decided to leave it, I used the click&collect service a lot in the last year so I don't feel robbed.

I pulled out some old/new clothes this morning to list on fleabay, most of them size 8 - I've been a size 8 for about 3 days in 2018 so they're in really good shape, one dress still has the label on. I have only managed to list 2 but should sort them all out after work. Maybe I should list them as a lot on FB first...

jokono

I had my first jab today! 💪 Arm hurts a bit but otherwise feeling fine.
Payday tomorrow. I had £12.60 left in the main account so I transferred that to the loan overpayment pot. I'm paying almost £100 less tax this month so that will go into that pot as well plus the planned £100. I might send it over to the loan tomorrow, which would be before the first ever DD on this loan - that's scheduled for the 1st. 

jokono

Payday yay!
My little one woke me up this morning, second day he comes to my bed and wakes me up with a 'wakey wakey'. Until this week he would wake up and start calling for me from his bed.
It was early, I sorted out all non-DD payments by 7 am and then had a look at an app recommended on another thread - Debt Payoff Planner (found it as Debt Snowball Calculator in the play store). I entered all my cards and the loan and after playing with the extra payment amount the DFD would be summer 2023. One of the cards I have is a BT I did for my partner and he will start contributing to it soon, might I dare thinking of being debt free by 39?!

WinterWarrior

Hello, thanks for the mention...I get so many emails from my bookmarked follows I sometimes miss things in the crowd! I hope my diary wasn’t too boring, I know I waffle 😬
lovely to catch up on your diary and I am following you now. You seem to have it all together already! Well done on sticking to your budget and having money left over. I had a lot of false starts with that and still haven’t quite mastered it!