Taking charge of debt

sunshine_raincloud

Happy 1st November! Can't quite believe how quickly the year has gone. It is definitely starting to feel quite wintery. 

Managed to chip a little bit more off debt with payments from prolific bringing it down to £357. My EF is back up to £850. Towards the end of the month, I might use some of this to pay off remaining debt up to £350 maximum.

Really need to start thinking about Christmas. Might tell family it will just be small gifts this year. Trying to think of some good homemade ideas? Not sure if anyone has any thoughts? 

Just keeping going at this stage! Can't quite believe I am so close to being debt-free and knowing that all of my money is my own! 

sunshine_raincloud

£9 worth of prolific payments sent to CC today bringing total down to £348. When my regular payment of £50 comes out next week I'll be under £300 left to pay! 

beanielou

Nearly there 

sunshine_raincloud

I have been away for a few days and got back late last night. It was really nice to get away from work for a bit I have to say!

Today my regular £50 payment went out for the CC and also I saw the £66 energy payment had come into my account. I am currently in credit on my energy account so I sent the extra money to my CC as well bringing the balance down to £232! So close to paying it off now, I think I might just throw some savings at it before the end of the month to be honest and then I can enjoy having my next pay day as all the money being mine and getting properly started with saving but let's see. I have £6 pending on prolific, £8 on vinted and £5 bank account rewards due so I should be able to edge the total to under £200 at least before the end of the month. 

It doesn't feel real that I am so close to being debt free after spending the last 13 years sitting at the bottom of my overdraft and then adding more to that with credit cards. I am so glad I decided to take the plunge though and get this sorted when I did!

beanielou

Nearly there 

sunshine_raincloud

Finally have been able to cash out from prolific, received money for item on vinted and got rewards bonus through for my bank account so sent it all through to my CC this morning bringing balance down to £209! With the money I get back from work for paying for the conference I will definitely be able to pay that off so that's some good news! Hoping to chip away a bit more before then though. 

No other news here. Just a busy week at work! 

beanielou

Get £10 paid!

shell16

Morning

Just thought I would checkin on you to see how you are doing, wow!   You have done so well, you must feel well pleased with yourself and rightly so! That £209 will be gone in no time, Im with @beanielou, get a tenner chucked there and you will be in the 1s!

Shell x

sunshine_raincloud

Thanks guys! Got a refund through today so finally sent some more money to CC- £37 to be exact so total is now £172! A couple more weeks at the max to being debt free! I can't quite believe it!

sunshine_raincloud

Cashed out £10 from prolific so sent that to the credit card bringing balance down to £162. Nothing much else to report.. just continuing on the final stretch. Been having very low spend days this week and just a quiet weekend at home planned so hopefully might be able to rack up a couple of NSDs as well. That's it for now!