Damsel in Debt Take 2

bekah89

Morning all happy Saturday! 

I’ve paid 3 minimum payments this morning totalling £150.14 bringing me under the 10,500 mark. 

I’m sending back a parcel today for a refund of 214… I was a bit naughty and ordered some clothes 🙈 one of the reasons I got into this debt, when I added the amount onto my debt calculator seeing my debt free date shoot up made me feel sick so I’m sending it all back bar one dress! Which I’m paying for out of Christmas money. So that will knock me down to 10,200 meaning next month I’ll be under 10k! I’ve been sitting in the 10k bracket for months because I kept adding to it but finally being below will be amazing and is motivating me! 

Have a lovely weekend all! 

savingholmes

Well done for sending most of the clothes back.

bekah89

Thanks saving holmes! 

The refund was processed today so I should get the refund by Monday and that’ll come off my Barclays balance.
low spend this week all NSD’s bar one day. Not paid any extra off any debts this week but spare money is looking good so far so should be able to pay a chunk extra off end of the month!
food budget I’ve spent 80 so far this month I don’t understand how it’s that much because I’ve bought relatively cheap meals and no alcohol 😆 but atleast I’m looking within budget for the rest of the month. 
some good news re money, my boss told me there’s a couple of managerial jobs coming out soon at work and I should go for it! So I will! It will be a pay rise so that will be amazing… if I get it 🤞

bekah89

Refund of 212.96 received and paid off barclaycard balance it’s knocked 2 months off my debt free debt!  

LookingForPeace

Wahooooooooooo!!!! How amazing is that!! 🥳 

bekah89

Happy Monday! 

Quietish weekend but spent small amounts both days. NSD today and should be the rest of the weekdays this week.
im awaiting £6.50 from vinted haha I’ll pay off Halifax when it comes through. 

I’ve got a new balance transfer card which I’m going to transfer the rest of Halifax as part ends at 0% in Feb. The APR is about the same but I’ll be able to pay off the balance before the 0% ends on the new card so worth it! 

Have a good week all! 

savingholmes

Great card shuffling and great to have knocked 2 months off your DFD

Good luck with the job application

bekah89

Thank you saving holmes! 

Sarahwithlove

Well done on sending the clothes back and getting another step closer to being debt free. 

Good luck with the job, a good sign if your manager is telling you to go for it. 

bekah89

Thank you Sarah! The job hasn’t been advertised yet so still waiting on that. 

Not much to report, I was away at the weekend with family but managed to not spend much. I’m sure this is the longest month ever to exist! But should have a little bit left over from my budget that I’ll pay off my credit cards. 

Not a NSD today, had to get a taxi (I hate spending money on taxis so much 😆) trouble with very unreliable buses. 

I still need to transfer Halifax onto my new card for the 0% offer before it starts charging me interest start of feb. Will do that this weekend at the latest. 

I’m going to join the gym tomorrow or Saturday! It will be an added monthly expense but it’s only £29.99 per month and £1 joining fee and I need to get back to the gym, I need to lose a bit of weight and it makes me feel so much better mentally! Plus I can’t bring myself to go running in this cold weather! I can afford it in my budget so I’m happy to spend the money.

hope everyone’s having a good week! Can’t wait for it to start warming up 🥶