My long overdue journey to becoming debt free!!

MissPennySave

My spreadsheet says it wont make a huge difference either way so I think I'll sit tight and wait for August and keep my fingers crossed for a decent balance transfer then!x

LittleMissDetermined

It’s good that you’re getting offers As you said, it’s an indication that your creditworthiness is improving 

MissPennySave

I mean it can only keep getting better form here on out!

I just had a stroke of luck, I still have £61.21 confirmed in my TCB account, but this morning I had £85.64 go straight to payable! I had to order 24 bottles of champagne for my husbands company at Christmas, so of course I went through TCB, hence the nice big lump sum!  Happy Thursday!!!  MPS  x

LittleMissDetermined

Ooooh nice move! That’s a great amount x

MissPennySave

Morning everyone! (just!) and a very Happy Friday!  So the good news kept coming yesterday, not only will we get our usual bonus and payrise at work, we are also getting a one off additional bonus of 2% of our salary due to the economic crisis.  So there should be a nice chunk paid off my debt come March payday!! MPS  x

LittleMissDetermined

MissPennySave said:

Morning everyone! (just!) and a very Happy Friday!  So the good news kept coming yesterday, not only will we get our usual bonus and payrise at work, we are also getting a one off additional bonus of 2% of our salary due to the economic crisis.  So there should be a nice chunk paid off my debt come March payday!! MPS  x

This is brilliant news! There will be no such thing at our work

MissPennySave

Aww that's a shame.  Although, I wouldn't be surprised if next year we end up paying for it in smaller bonuses but it's certainly welcomed now for me!!x

MissPennySave

Evening everyone, happy Sunday, and hope you've all had great weekends! I've had such a lovely weekend, lots of family time, not a lot of spending and I'm feeling in a really good place. In 19 days CC1 will be gone! And I cannot wait for my first debt win! Every day is one step closer. 💪 MPS.x

MissPennySave

Morning all and happy Monday, its wet and miserable here today, but I'm not planning on going anywhere so it should be a NSD.  My budget is on track so far for this month, hopefully next week I'll find out my bonus and payrise amounts so will be able to update my spreadsheet and tracker app which I am very excited about!!  I can't believe I'm on month 5 of my debt free journey already, I was so worried I'd struggle to stick to my budget and would slip back to my old ways, but I'm actually finding that that I don't think that way anymore, and its now second nature to not spend money without really thinking about it first! Who'd have thought it!!! MPS x.  

shell16

19 days to get rid of a debt is nothing and will fly by quickly.  It will be a real boost to your confidence that you CAN clear this debt one day at a time.  

Shell x