20K to Debt Free by June - Finally Debt Free 27/06/23

LeeXenon

Natwest came in, now switching again for another bonus, I think this will be the last one unless Lloyds open up a switch offer again.

Cashed out £14 from Prolific this morning, so kick starting the day with a £10 PAD to CC1, now sitting at a nice £660 until paid off! So excited and eager to be debt free in 2023.

LittleMissDetermined

Great stuff on the switching

LeeXenon

Good morning!

Not much to add today, cashed out £5 from Prolific, so £5 PAD to CC1 today.

LittleMissDetermined

Every bit helps! 

I've had a lot from Prolific lately, it's really boosted my debt payments... I budget for a daily PAD in my spreadsheet and try to post on my diary each day, even when there's not much to tell.  The diary is for my benefit to keep me honest, accountable and to track my own progress and achievements. 

Posting daly also keeps me focused on that debt free date too 
Keep at it, you're doing great!
LMD x

LeeXenon

LittleMissDetermined said:

Every bit helps! 

I've had a lot from Prolific lately, it's really boosted my debt payments... I budget for a daily PAD in my spreadsheet and try to post on my diary each day, even when there's not much to tell.  The diary is for my benefit to keep me honest, accountable and to track my own progress and achievements. 

Posting daly also keeps me focused on that debt free date too 
Keep at it, you're doing great!
LMD x

Had a busy few days here, would be nice to start making an actual payment a day given how close this card is to being cleared! Decided to kick it up a notch today as I've been a little quiet with a £15 PAD to CC1 as I've cashed out the rest of my balance from Prolific.

LittleMissDetermined

Brilliant stuff!  I even make my PADs when I'm on holiday I'm so addicted! 

LeeXenon

Good morning, £5 PAD to CC1 to start the day. Balance down to £635 on CC1, so close!

LeeXenon

Halifax switch bonus came through, and oh how things have rejigged themselves today.
Firstly, a bit excessive for a PAD but critical to bring the DFD forward ...

£92.50 PAD to CC1 (£542.50 Balance)

This card will now be cleared at the end of December, all being well !! I'm looking at a DFD (including Hire Purchase Agreement) of July 2023, which is HUGE progress. All credit cards should be closed April 2023, which means 5 payments to go until I'm credit card free, woohoo!

LittleMissDetermined

Fab PAD mate! And great news on bringing the DFD forwards which is great considering the economic times we are dealing with.  There seems to be a lot of focus on DFD and final debt clearing on the MSE diaries I subscribe to and it makes me so happy to read it!  Wiping 5 months off your debt plan is immense work, well done!

LeeXenon

LittleMissDetermined said:

Fab PAD mate! And great news on bringing the DFD forwards which is great considering the economic times we are dealing with.  There seems to be a lot of focus on DFD and final debt clearing on the MSE diaries I subscribe to and it makes me so happy to read it!  Wiping 5 months off your debt plan is immense work, well done!

Thank you for the support LMD!

& Good morning, starting the day with a £2.50 PAD to CC1, it's going to be a bit of a spendy day today as I'm going out for a few drinks, this being the first time since August! Won't be able to afford to match tonights spending with overpayments so will have to be super sensible.