Well here I am again.

Herewegoagainx100

As the name suggests I’m back for what feels like the hundredth time. 

My debt currently is 1 bank loan of £8400 at 3.2%.
ive been watching lots of YouTube videos. I was off sick from work as a carer for 2 years with my mental health and the debts built up. Whilst off I saw a job advertised in a shop and applied. I work about 20 hours a week there and try to do more when my mental health allows. I’ve been working there about 3 months.
about me in the past I’ve never saved just put things on the credit card then panicked and applied for a consolidation loan.
This time I have my main bank account that direct debits go out of and I have opened a number of savings pots. So far I have enough to pay for the car service and mot which is due next month, my puppies spay operation. I also have an emergency amount in car maintenance as I’m sure I will need tyres etc soon. I’ve got a dogs emergency account ( they are insured this is just in case) I’ve saved enough for my prescription pre payment certificate and for my car insurance. I’ve also saved with park for Xmas and it’s all paid.
Next I want an emergency fund and to add to the dogs emergency fund and save enough to pay for the pet insurance at renewal.
Im slowly over paying the loan.
I currently get my wages every 4 weeks, universal credit on the 1st ( this is reducing this month by £80 so will have quite a big impact) and pip every 4 weeks low rate. 

My plan is to try and sort theses savings pots and pay off the loan.

Jami74

It sounds like you are doing really well budgeting for your annual bills and your loan is at a low rate.

My wages come in different times through the month so I move them all into another (holding) account as they come in, then use them to pay myself on the 1st of the month enough to put what I need into various pots and pay all the bills.