My long overdue journey to becoming debt free!!

MissPennySave

Evening all, not much to report today, been so busy! I did manage to add approx £2.50 to my survey accounts and did my online grocery shop, up to £78 at the moment on that but its got a lot of Xmas extras to try and soften the blow of next week's delivery! Anyway, that's all for now. MPS.x

EDIT: just went through my online shop and removed a ton of stuff I don't actually need and it's now down to £59.82. Note to self, online is definitely better for me as I spend much less and find it easier to come in on/under budget!

MissPennySave

Wednesday already!  This week is flying!  Other than a few top up shopping bits I need to grab hoping for a NSD.  I also discovered Amazon do a trade in service for their devices, I have an old echo which doesn't work anymore so I'm sending that back for a £5 amazon voucher, so I will use that when I buy my dog poo bags next time.  A little win, but a win nonetheless! MPS.x

MissPennySave

Just cashed in all my survey, cashback sites and overpayment pot so far and I have just paid an extra £60 to CC4  So this brings the total debt payments I've made so far this month to £1348.81 Updated balances are now:

CC1 £1669.23/£1290.00
CC2 £7980.00/£7900.00
CC3 £4825.00/£4775.00
CC4 £16888.98/£16390.00
Loan £15263.75/£14923.15

Grand total = £46,626.96/£45278.15 

MPS.x

shell16

MissPennySave said:

Just cashed in all my survey, cashback sites and overpayment pot so far and I have just paid an extra £60 to CC4  So this brings the total debt payments I've made so far this month to £1348.81 Updated balances are now:

CC1 £1669.23/£1290.00
CC2 £7980.00/£7900.00
CC3 £4825.00/£4775.00
CC4 £16888.98/£16390.00
Loan £15263.75/£14923.15

Grand total = £46,626.96/£45278.15 

MPS.x

Wonderful work at reducing those balances!!  It does get addictive though to see how much you can find to pay off your debt!

MissPennySave

It really is so addictive!!  and definitely better than my previous shopping addiction 

MissPennySave

Not much to update on today, its been a NSD and I made £1.08 in surveys, not great but it's been such a busy work day I just didnt have the time! But on reflection, a busy day equalled a NSD and I made £1.08 rather than spending it so another small win in the bag. MPS.x

MissPennySave

It's Friday! Last day in the office and only 2 more school runs to do! I'm off out tomorrow with friends, but its been budgeted for and I will be taking cash so when it's gone it gone, but hoping to come home with a bit of change in my purse! A pre budgeted night out is such a new thing for me and it feels great knowing that I'm not going to be using any credit cards! MPS.x

MissPennySave

I had an unexpected payment to make today, and do you know what I did, I paid with real money, from my bank account, because I can do things like that now!  MPS.x

enthusiasticsaver

Goodness what a change in mindset.  You are doing brilliantly.  Enjoy your outing with friends tomorrow. 

bekah89

Just read through your diary you’re doing amazing! Love the idea of the overpayments pot. I’m in a similarish situation got a few different cards with 0% on until various dates and just concentrating on the one with interest at the moment. Good luck with your journey you got this!