Doris's 712 Day Journey

Doris17

In 712 days time I will be 55.

My new plan is to be debt free, my current debt is £9194.66 spread across three credit cards. All cards are 0%, CC1's 0% ends on the 1st December so this card will be paid by then.

CC1 - £982.19 
CC2 - £6267.47 
CC3 - £1945.00 

Have finished working full-time for someone else and be working part-time for myself, in a cottage in West Wales.


"You are never to old to set another goal or to dream a new dream."

saving_is_good

Welcome Doris, you’re heading in the right direction coming on here. I’m a longtime lurker on these boards. I got myself out of similar levels of debt about 10 years ago. It wasn’t easy. 

We’ll all be here cheering you on.

Doris17

saving_is_good said:

Welcome Doris, you’re heading in the right direction coming on here. I’m a longtime lurker on these boards. I got myself out of similar levels of debt about 10 years ago. It wasn’t easy. 

We’ll all be here cheering you on.

Thank you @savingisgood.

Doris17

So I have made a start on clearing CC1, made an other payment of £513.33. Tomorrow I will make another over payment when eBay funds hit my account.

Hoping to get the majority of the balance cleared by the end of the month and I will make the last payment on pay day, the 0% runs out on this card on 1st December.

Doris17

Today I have work from home, so its been a NSD. Try to work from home two or three days a week and the rest of the week I am out and about in the community. 

Wrapped three eBay parcels that I will post tomorrow and planning some listing this evening.

Doris17

Been awake since early, really struggling with menopause but that is a different story.

Working from home again today, have a spreadsheet I need to work on for a meeting next week, I am not the greatest with spreadsheets and this one takes me an age to complete.

So plans for today:

Eat from the cupboards, fridge, freezer and drink plenty of water.
Walk to the parcel shop later with yesterdays eBay parcels.
Make an over payment to Barclaycard.
Post free items on Facebook.
More eBay listing this evening.

Going to spend half an hour with a cup of tea and watching "Maid" a new series on Netflix, before I get dressed and start my working day.

mcpitman

Looks like you are making a determined start.

After CC1, CC2 looks a good challenge, what deal are CC2 and CC3 on?

Spreadsheets are my life, google and you tube are your friends for assistance there 

Doris17

mcpitman said:

Looks like you are making a determined start.

After CC1, CC2 looks a good challenge, what deal are CC2 and CC3 on?

Spreadsheets are my life, google and you tube are your friends for assistance there 

They are both on 0% until the end of next year I think, I will check and make a note.

I struggle with spreadsheet, more a pen and paper type of girl.

Doris17

Note toself.

CC2 - 0% ends 19/09/2022.
CC3 - 0% ends 09/03/2023.

mcpitman

CC2 could be a challenge to pay off in the 9 months after CC1 is paid (Dec-20).

To clear that you would need to pay c£700 a month, can you achieve that or is the plan to pay as much as poss and flick onto a new 0% deal?

Doris17

Looking to pay as much as possible £500+ them move remaining balance to a new 0%.