My long overdue journey to becoming debt free!!

shell16

Morning MPS, thats good and a nice surpise too!

Every little helps
Shell x

MissPennySave

Ending the day as a NSD! All my bank balances are at £0, I had hoped to at least have a few pounds left over before payday tomorrow, but I've managed to clear all the little £20 here £40 there debts this month as well as get myself out of my overdraft as I'd usually be minus at least £200 by this point so I'm still proud of my efforts!

I am so excited to make a load of debt payments tomorrow and then update my signature!!

MPS.x

sunshine_raincloud

Great to end the month out of the overdraft and having started chipping away at the debts! You seem very motivated!

MissPennySave

I am so motivated! And by posting on this forum its definitely keeping me focused! 

zcrat41

Sounds like you've made a great start. Well don

MissPennySave

Morning everyone, and a very happy Friday to you all!!

Made my overpayment as per my snowball spreadsheet this morning and will update my signature once all my new statements have arrived, usually by the 15th of the month. 

The 2 direct debits are now showing on my burner account so I'll set up the Nationwide switch today. It pays out the incentive 10 days after all complete, so hopefully I'll be able to over pay on the loan this side of Christmas! 🤞

Off to do the weekly shop this morning and I have £11 in reward vouchers to put towards it so I'm hoping to come in under £45 for the week.

MPS.x

MissPennySave

Shopping came to £53.99, not under £45 but still under my overall £65 budget!

MissPennySave

Nothing much to report at the end of the day, I brought a xmas present in the sales that I had my eye on, it had 40% off so I'm happy with that! I've just gone through all my apps on my phone and deleted all the shopping apps and moved the ones I still want to keep, i.e amazon and argos, to a folder so they are still there but not staring me in the face everytime I open my phone! I posted the sandals I sold on ebay and paid the money to my loan account. I also remembered I had £11 in a investment account, it was a deal I did ages ago when you sign up buying £5 of shares and get free shares, so that's £6 up and I've withdrawn the £11 and will add it to my loan overpayment. 

Other than that it's been a pretty quiet day! I'm hoping for a no spend weekend as I have everything we need so no reason to spend anything. In actual fact I may change up my loose change coin jar (well shoe box), its been filling up for 3 years now so there must be a decent amount it!

I've also had confirmation my account switch will be completed on 9th December, Nationwide say they pay the incentive 10 working days after that so by the skin of my teeth I may get the £200 and pay it towards my loan on Christmas Eve! A nice little early present to myself!

MPS.x

MissPennySave

Today has been a NSD 🙌 MPS.x

FootyFanDan

Hey MPS, just catching up on your progress and some progress it is too. Sounds like your doing really well and positive too