Keeping afloat till I can get round to the debts!

jwil

Great news!

NeverendingDMP

So my last update was 30th - technically not a full month but I'm inpatient so here goes.
Totals were 12511 just me and 19591 joint debts at the end of last month.

Today's totals are 12199, some interest is going to be added to some of this this yet and 19279 joint total.

Some progress (not much) but it's a start.

My named debts are 160, 908, 1322, 1888, 1900, 2377 and 3634. Next target is the 160 debt. Need to take it at a reasonable pace and stick to budget. Maybe I'll aim for this to be clear by end sept. Sub 19k would be good by then too!

jwil

Well done, any progress is good progress!

NeverendingDMP

I'm in the zone again but all my accounts end in zero and had a no spend day so no Tilly tallies. Ah well plenty other days to make some!

NeverendingDMP

I'm focused again. Have my 150 food budget that I intend to monitor and keep to this week. Am investigating chase accounts as an idea to have it separate..mega busy day yesterday. Today needs to be cleaning, tidying and rest. Debts slightly less than last week, interest to be added when statement comes but still on track for sub 19k by end of sept. I need to be financially healthier by the time our fixed rate ends (12 months) 
No idea what the rate will actually change to by then but my current guesstimate is us paying 100-150 extra per month
Not as scary as some but enough to make me sulk/go oh c**p

NeverendingDMP

Applied for another job this week too. Not heard yet but indeed app tells me 89 other people have applied so we will see !

No news at work yet about if my job is staying so no big panic yet as such.  If they do stop my job they have to offer me something elsewhere- I just might not want it, but that's tough cookies

jwil

All looking good.  Good luck with the job!

slm6002

Have you looked at your credit report lately?  When I looked at mine it flagged some things up that I needed to deal with like old forgotten accounts or something on there in error.  Might not help with the mortgage rates but if it is looking as good as possible come sept it might help.  Use a free one though rather than one that costs

NeverendingDMP

My credit reports all say good to well done. I've not had any decent offers or even any offers really for balance transfers for well over six months. All coincides with interest rates increasing so I think companies are being more cautious. The 19+k are debts in both are names that are paid from the household budget. My name debts are just over 12k but I only earn 15k a year so I can understand lack of offers. I fail most things on affordability. I just need to knuckle down do some expert budgeting and meal planning and get the debts lower. 
On the plus side I have chopped.all the cards bar one. I know that needs chopping too but banks have off days so I like.to have a card in reserve for when the banks go down!

jwil

Well done on cutting up the cards!