The Final Bite of the Cherry- Journey to Clear £66k

AuntieL

Congratulations @outoftheviciouscircle. Wishing you every success in your new job

NeverendingDMP

Excellent news well done!

enthusiasticsaver

That is great news to get a new job so quickly and have the redundancy payout towards a new car.  Well done. 

dawnybabes

Awww that’s brilliant xx 

outoftheviciouscircle

Thank you everyone. It is such a massive relief and if anything it has certainly got be focused on the debt. If I didn't have so much debt hanging over me we could have still managed quite comfortably but with nearly £700 a month going on minimum payments alone things were going to get tough quite quickly. My head is firmly in the game to ensure I don't end up in that position again.
I had been saving all my prolific and mystery shopping money since January 1st. The aim was to start snowballing this month but I thought I best not pay it off in case I end up needing the money but last night I paid off my Creation Finance loan 8 months early. That was only £31.88 a month but I will now start paying that money off the next creditor (my ex employer). Theres £483 left on that and ideally, I want to pay that off by the end of February.

Today consists of my usual weekend cleaning and packing ready to go away again tomorrow. I can't believe next Sunday will be my last time having to do this. Now I have I job, I am actually thinking they did me a favour as I've been fed up for a long time.
Its so windy out there today and I don't think the amber weather warning actually comes in until this evening, the dog hates the wind and hides in the corner when its like this.
I have a mystery shopping report to fill in from yesterday and then its time to start my day.

Happy Sunday everyone!!

maggiem

Very pleased to read of your success. Congratulations and enjoy the feeling of your last week working away. 

outoftheviciouscircle

I'm getting so rubbish at writing in this diary, maybe it's because theres a lot of change going on in life at the moment.

Tomorrow is my last day in the job and all I have to do is have a quick goodbye meeting at 10am and then go and return all company property. I should be done and free by midday. I start the new job on Monday and I am really looking forward to it. Everyone seems really nice and it seems a lot more of a relaxed work environment than I'm used to.
We got a new car. We borrowed £5k for the deposit but as soon as my redundancy money comes through it will be paid straight back. Talking of cars, I must remember to let HMRC know that I no longer have a company car.

Today was the normal 1st of the month DD day so another small chunk gone from the debt. I am just £196 away from paying my ex employer back. I hope to have that knocked on the head in a couple of weeks time, then I can move onto the next which is the TV. Just about £600 left on that.
This weekend I need to go shopping for a couple of new tops and trousers for work. I hate spending money on work clothes but needs must.

MFWannabe

outoftheviciouscircle said:

I'm getting so rubbish at writing in this diary, maybe it's because theres a lot of change going on in life at the moment.

Tomorrow is my last day in the job and all I have to do is have a quick goodbye meeting at 10am and then go and return all company property. I should be done and free by midday. I start the new job on Monday and I am really looking forward to it. Everyone seems really nice and it seems a lot more of a relaxed work environment than I'm used to.
We got a new car. We borrowed £5k for the deposit but as soon as my redundancy money comes through it will be paid straight back. Talking of cars, I must remember to let HMRC know that I no longer have a company car.

Today was the normal 1st of the month DD day so another small chunk gone from the debt. I am just £196 away from paying my ex employer back. I hope to have that knocked on the head in a couple of weeks time, then I can move onto the next which is the TV. Just about £600 left on that.
This weekend I need to go shopping for a couple of new tops and trousers for work. I hate spending money on work clothes but needs must.

Have you looked on Vinted for clothes? I’ve bought some great items on there

outoftheviciouscircle

MFWannabe said:

outoftheviciouscircle said:

I'm getting so rubbish at writing in this diary, maybe it's because theres a lot of change going on in life at the moment.

Tomorrow is my last day in the job and all I have to do is have a quick goodbye meeting at 10am and then go and return all company property. I should be done and free by midday. I start the new job on Monday and I am really looking forward to it. Everyone seems really nice and it seems a lot more of a relaxed work environment than I'm used to.
We got a new car. We borrowed £5k for the deposit but as soon as my redundancy money comes through it will be paid straight back. Talking of cars, I must remember to let HMRC know that I no longer have a company car.

Today was the normal 1st of the month DD day so another small chunk gone from the debt. I am just £196 away from paying my ex employer back. I hope to have that knocked on the head in a couple of weeks time, then I can move onto the next which is the TV. Just about £600 left on that.
This weekend I need to go shopping for a couple of new tops and trousers for work. I hate spending money on work clothes but needs must.

Have you looked on Vinted for clothes? I’ve bought some great items on there

I really should. Thats a great idea, I will take a look.

outoftheviciouscircle

It's finally here, my last day working at this company. I say working, I won't be doing a lot.

I've just logged into my HMRC account and informed them that after today I will no longer have a company car. I assumed I would just stop paying company car tax but after reading a few bits and pieces online, it seems it is not that straight forward. I'll keep an eye on that and not just assume I will automatically be £130 a month better off.

Today my second income and my expenses got paid into my account. There was an issue with my expenses last month and I made it through January without them so today there a good sum waiting there for me to assign. By the time payday comes next week, I should have around £600 left over. I am still using YNAB after a year. It has honestly been a game changer for me and the £12.99 a month it costs has saved me hundreds of pounds. 

I now need £95 to pay off my debt to my ex employer and I have about £20 waiting to be paid out in Prolific. I will probably cash that out at the end of the day as the weekends are always quiet on there. Fingers crossed, I may have this paid off before my end of February target.

Right, time to get up and ready, I have a teams call with my soon to be ex boss and then its time to get the cleaning done AGAIN!!

Have a great day everyone.