Debt and Budget (Reset) plan

shell16

Its another warm one today, all washing done.

No PAD's today towards debt as I only have 55p in save the change and just £2.07 cleared on Prolific with £13.08 pending.  If any of the surveys get cleared today in order to make a £5 minimum withdrawal I will declare on the PAD thread to Lloyds CC. I am still £26.30 short of my target payment to Lloyds CC which will be taken at the beginning of July.

Im close to having paid off £7000 of my debt, and Im really happy to be so very near to this milestone.  With my usual payments to CC's (1 at end of June and 2 at beginning of July) I will be over £7K paid off, for ever! Isnt too bad to say I started this journey only 10 months ago.

Not much more to report really.
Shell x

Sunshine_girl2

Its been a while since I read your diary and you have come a long way well done . Hope the prolific money comes through for that PAD. 

sunshine_raincloud

shell16 said:

Im close to having paid off £7000 of my debt, and Im really happy to be so very near to this milestone.  With my usual payments to CC's (1 at end of June and 2 at beginning of July) I will be over £7K paid off, for ever! Isnt too bad to say I started this journey only 10 months ago.

7K paid off!!!! Amazing. You are doing so well!

shell16

Thanks @sunshine_girl_2 for catching up on my diary, its been a bit of a roller coater last month or so as you can see! and @sunshine_raincloud for your comments.  Im really pleased with progress, I never thought I would be in this position when I started out my journey less than 12 months ago.  There have been hiccups along the way but hopefully now with a clear plan, I can do this!

Shell x

shell16

Back again, managed a £6 Prolific cashout with another £11.36 in pending so hope to be able to pay more towards Lloyds CC after today.   I'm now just £20.30 short of the new payment I wish to make to Lloyds CC going forwards.

I have also had confirmed that I do not need to travel into work tomorrow, saving me £12 so again will use this towards PAD's each day in case I cant make these from other sources - surveys, save the change, side hustle etc. 

I use an app for my debt and making these extra payments has naturally reduced the term by 1 month.  I'm not actually following the suggested payments as this will have me debt free by December 2023 instead of September 2023 but non the less just goes to show these PAD's do have an affect.

Shell x

sunshine_raincloud

What app do you use? 

shell16

sunshine_raincloud said:

What app do you use? 

Hi again, its the Debt payoff planner app. I still use it but I have devised my own payment plan after using an overpayment calculator on the web. 
Shell x

shell16

Morning

Its a lovely sunny day finally after a thoroughly misty/murky start.  Bedding already on line taking full benefit of the exceptionally good weather.

PAD today of £1.85 which has come from save the change and also my train fare which I have saved for today after no longer having to go in.  Will just slowly raid that £12 (now £11) if I have no other forms to make a PAD from surveys, side hustles etc.  Im now £18.45 short of my new payment to Lloyds CC every month to stay on track, usual DD comes out 7th of July. 

Im again at £4.88 cleared on Prolific with £8.66 pending, so as soon as I hit at least £5 will be sending that over to Lloyds CC too.  I also have £5 Ama**on voucher from Ama**on Shopper from last month and also another due for this month.  Will keep those on my account until I see something I want.  Side Hustle, im in profit by around £10 so have moved to one of my pots, looking to increase this asap!

Hubby away tomorrow for a golf thing with work and will come back on Friday, so Im on my own from tomorrow morning with both girls.  I went to Aldi last night to get some Pizza's in but really struggled.  There were so many empty shelves, is anyone else finding this?  I thought Frozen Pizza wouldnt be an issue!

Anyway, need to get back to work now.
Shell x

shell16

Quick update.  Further PAD made due to Prolific cashout of £6.51 to Lloyds CC, so now £11.94 short of new payment.  Even if nothing else paid I have £11 left of Train fare and there will no doubt be some bits of save the change so Julys new payment is on track.

Shell x

Squirrelz92

Wow! So I have just read your diary from start to finish and what an inspiration you are! Cannot believe how far you have come in such a short space of time clearing your debt! Brilliant effort!

So sorry to read about your Dad passing

I have bookmarked you and cant wait to support you on your journey to becoming debt free! You shall be writing on that debt free roll of honour board before you know it!! x