Damsel in Debt Take 2

bekah89

Balance transfers have gone through and already paid £124 off the new card. I’d just noticed my water bill hadn’t come out this month and checked and no payment due til April now! So that plus the £67 electric reduction plus some vinted/Depop sales have come off the new card 🙂

Spendy day today just had my haircut £54 😬 but I only get it cut about every 3 months! Though she spends more time actually washing and blow drying than cutting the hair 😆

bekah89

And I’m under 10k!! 🥳

£97.63 paid to Lloyds and £25 paid to Virgin minimum payments brings me down to £9,914! Feels good seeing it in 4 figures finally, I’d been sitting in the 10k bracket for so long! 

I’ve strangely also received a random £24 into my bank account only reference is Bfa Acc Switch Glo, I switched to first direct from Barclays last summer for the switch bonus so might be to do with that, who knows but I’ll take it! It’s going into my holiday fund spending money for my holiday in May 🏝️

bekah89

£25 minimum payment to Tesco this morning 

bekah89

8 days since I’ve posted oops!

I found out what the random £24 was, it was from Barclays repaying me fees from when I’ve been in my overdraft and they’ve not notified me so that was a bonus! 

I’ve done some shuffling around my cards as I was offered 0% balance transfers on a couple of cards so I’ve managed to move all of Barclays to 0% deals and it’s now cleared my barclaycard completely! 🥳 it’s added £45 in fees to my debt but has cut down on the interest and amount of cards I have. I’m for now only paying interest on part of MBNA of 4.9% so pretty much all of my repayments will be going on bringing the debt down for now! Yay! 

Also virgin only has £50 left on it so that will be paid off by May. And the £60 I used to pay to barclaycard every month will now be moved to paying Vanquis so that will clear the balance before the 0% ends in 10 months. All looking good! 

bekah89

£64.58 paid off MBNA today 

bekah89

Hi all! While since I updated 

Just paying minimum payments on everything bar paying £60 a month on Vanquis so it’s cleared by the time the 0% ends. Now I’ve got rid of the barclaycard balance I was paying interest on I feel like my debt is going down quicker! Plus now it’s under 10k it psychologically feels better somehow. On 9,623 now, once MBNA payment comes out next week will be down to 9559! 
virgin balance will be gone next month too so will be one less card.