Towards the light

Breezyboo

Only one more day to go until December pay day, this will be the true test for me. I'm full of the ideas but it's the sticking to it once I have the money there that's more the issue. I'm feeling super determined though to get this all cleared this year. 
Have kept up with the surveys and now have £40 in vouchers which I'll convert to cash and £33 I've withdrawn so great start which is keeping me motivated. 

Breezyboo

In a flash Christmas is all over. I hope everyone here had as best a time they could in the circumstances. 
I am trying to avoid all the sales that around  hard at this time of year when it's advertised everywhere you look but so far I am doing well!! 
Still keeping up with the surveys, withdrawing often so that I can make my first over payment in January. My DMP will come out on the 1st and then I'll over pay on some cards directly where I can. Feeling determined to get this all paid off by Christmas next year but its going to take some doing but one month at a time hey! 

shell16

Breezyboo said:

In a flash Christmas is all over. I hope everyone here had as best a time they could in the circumstances. 
I am trying to avoid all the sales that around  hard at this time of year when it's advertised everywhere you look but so far I am doing well!! 
Still keeping up with the surveys, withdrawing often so that I can make my first over payment in January. My DMP will come out on the 1st and then I'll over pay on some cards directly where I can. Feeling determined to get this all paid off by Christmas next year but its going to take some doing but one month at a time hey! 

That's all you can do, 1 step at a time. I can't wait to get out of debt but I'm realistic and appreciate there maybe some hiccups along the way. Wishing you the very best for 2022 and your goal of paying off debt.

Breezyboo

Happy New Year everyone!!!
It seemed a long slog between Christmas and New Year this time but finally we are here. 
Waiting for my DMP to go out now, due today but obviously won't go until Tuesday now. Once that's done then I'll get on with over paying for the first month of the Year. Going to reassess at the end of the March when a quarter of the Year is done and see what the balances are. Really hoping to clear it all by mid Dec this year! 
Hope everyone else is feeling bright and positive for a new year! 

Breezyboo

Haven't posted in here for a while... can't beleive we are halfway through January already, very glad though as it's freezing, roll on Spring! 
Am super pleased with myself and am on track with my plan. Have overpaid £288 so far this month on debt so just another £12 to hit my target this month. If I can manage this each month this year I should clear it in December and cut 6 months of my DMP plan. That is what I'm focusing on. I've also managed to keep my £100 Christmas money, haven't spent it, that's unheard of for me!! Figured I'll be grateful of it after a few months of throwing everything at this.
I'll be pleased to reach pay day again and cross a month off!
I am going to invest in a Fox budget diary when I get paid, feels like a little treat but also useful for me so I can keep a track of all my balances and make notes when I make extra payments etc. 
Hope everyone else has had a good start to the year, fingers crossed it continues!!! 

shell16

Breezyboo said:

I am going to invest in a Fox budget diary when I get paid, feels like a little treat but also useful for me so I can keep a track of all my balances and make notes when I make extra payments etc. 

Hi Breezyboo, I also invested in a Cleverfox Budget Planner too, I much prefer pen and paper rather than spreadsheets and apps.  I love mine, it really does keep you focussed.  One thing I will give you a tip on is an erasable pen!  Lifesaver....ive made so many mistakes in mine and that pen is brilliant!

Breezyboo

shell16 said:

Breezyboo said:

I am going to invest in a Fox budget diary when I get paid, feels like a little treat but also useful for me so I can keep a track of all my balances and make notes when I make extra payments etc. 

Hi Breezyboo, I also invested in a Cleverfox Budget Planner too, I much prefer pen and paper rather than spreadsheets and apps.  I love mine, it really does keep you focussed.  One thing I will give you a tip on is an erasable pen!  Lifesaver....ive made so many mistakes in mine and that pen is brilliant!

Hi Shell - Great advice thanks, I'll have a look for one of those. It would drive me mad if I kept making mistakes and messed it up. 🙈🤣

Breezyboo

Havent written in here for a while, hasn't been alot to say. Hit my target for January in regards to paying debt off so really chuffed with that. Pay day has landed so just waiting to get started with paying off for February next week. Lots of bills this month so going to be a struggle to hit target but going to try my best. Still doing surveys and bits and pieces which is bringing in an extra £100 or so a month at the moment. One month down, 11 to go!!! 

Breezyboo

Wow I havent posted on here for a month. Not sure where all that time has gone. Pleased to report I am still on track, so far I have managed the full first 3 month of the year overpayment so am on track to be debt free by the end of this year. Not going to lie an say its easy, lots of sacrifices and feeling frustrated with myself that this is the situation but month by month am getting there.

I think as the weather now improves it will become harder, currently it's quite easy to stay in as it's chilly an yuck outside, when it's a beautiful day I like to be out and about an in most forms that included spending of some kind even if its petrol etc. Anyway I shall take it as it comes. Onwards and upwards!!!