New life - debt free

CCW007

Payments all in place, by the time all DDs go out total will be:

Amount to debt neutral - £30,887.

Nothing much to report, lots listed for sale on FB and eB@y but no recent sales.  Still decluttering house, lots going out door.  £30 due in for DVDs etc, hopefully this week.

Sorting food cupboards to see if we can reduce food shopping bill this month.  Resisting idea of a bottle of wine and some crisps!

CCW007

Eb@y sale overnight, four parcels off to post office today.

CCW007

Credit card debt:

	End date	Current balance
CC1	01/10/2021	£            2,574.60
CC2	21/10/2021	£            5,017.32
CC3	04/01/2022	£            6,343.27
CC4	08/04/2022	£          12,070.45
CC5	25/05/2022	£            9,677.01
CC6	31/05/2022	£            6,663.18
CC7	31/10/2022	£            2,573.00
CC8		£            9,523.03
		£          54,441.85

Just been paid an invoice I've been waiting on and amount to debt free is now under £30K!!  

Amount to debt neutral - £29,873.

CCW007

Eb@y sale for collection agreed tonight, will be £250 less £3.50 FVF by my calculations due to offer on selling fees.  Will add that once money received.

CCW007

Paydays and money shuffled.

Amount to debt neutral - £28,982.06

Checked my credit files and I get low marks for being so close to credit limit on a few cards so paid £500 each off two cards which are longest dated but closest to limit.

	End date	Current balance
CC1	01/10/2021	£            1,574.60
CC2	21/10/2021	£            5,017.32
CC3	04/01/2022	£            5,843.27
CC4	08/04/2022	£          11,570.45
CC5	25/05/2022	£            9,616.49
CC6	31/05/2022	£            6,596.55
CC7	31/10/2022	£            2,573.00
CC8		£            9,523.03
		£          52,314.70

CCW007

Loads of veg needing using up so veg soup and free rolls (Olio) for lunch and dinner will be aubergine and tomato stew with either chickpeas or tofu.  Got full fridge, freezer and cupboards so need to make sure nothing goes to waste.

Had a great offer on Waitrose delivery (£20 off £40) so have an order booked for next week to top up.  Finding veg is not lasting long at the moment so thinking of cancelling my fortnightly veg box and buying locally but more often.

£40 eB@y sale hopefully being collected this evening.

CCW007

Eb@y sale collected yesterday, paid in cash.  FVF to pay though.

Going to inventory store cupboard / freezer at the weekend then create a meal list.  Not good with meal plans but if it is store cupboard food it doesn't matter when we eat which meals.

I'm pretty much plant based, OH is omni.  Going to do a shop / online order (Waitrose voucher got cancelled and there was nothing I specifically needed from there) to get a few bits then hopefully stick to just fruit, veg, milk and better quality meat for OH during August.  Hope to reduce our grocery bill a fair bit. 

CCW007

Inventory hasn't happened yet, this week will be busy with work / consultancy / OH taking an exam so will plan to do that next weekend. Not much else happening on the debt busting side.

CCW007

	End date	Current balance
CC1	01/10/2021	£               574.60
CC2	21/10/2021	£            4,457.15
CC3	04/01/2022	£            5,779.84
CC4	08/04/2022	£          11,449.75
CC5	25/05/2022	£            9,520.07
CC6	31/05/2022	£            6,596.55
CC7	31/10/2022	£            2,548.00
CC8		£            9,427.80
		£          50,353.75

CCW007

So CC1 will be cleared next month and I can tackle CC2 before the end of the promotional period.  Then have a few months to clear CC3 before that ends.

Hoping to get more items listed on eB@y and FB over the weekend.

Almost £400 due in a few weeks from latest consultancy work.