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Keeping afloat till I can get round to the debts!
Comments
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I can't believe it's Monday again.Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 May 25- just under 65k
June 25 Debts in my name only £5170. DH can't keep track...1 -
AgreedNeverendingDMP said:I can't believe it's Monday again.
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0 -
I know feels difficult at the moment but it is worth it if it means you aren't getting into more debt. So any progress is good progress. I hope the joint account situation works out for you.*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
Hope so. The hope is it feels like the responsibility less all on me.Sarahwithlove said:I know feels difficult at the moment but it is worth it if it means you aren't getting into more debt. So any progress is good progress. I hope the joint account situation works out for you.Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 May 25- just under 65k
June 25 Debts in my name only £5170. DH can't keep track...1 -
So not posted for a while as I feel like I'm making no progress but the e fund has 560 in so actually it's going okay.
Snowball plan is as follows.4315675613501441176622902657264835284388Some are debts, some are money commited to school trips, planned events etc, even though these not due straight away it's kind of a debt as it's gonna have to be paid and it helps to have the small stuff on to motivate doesn't it 😂. Should I continue to try for the elusive 1000 e fund or stop at 750 to do some debt busting so I feel like I've achieved something. I've got my grid prepared for the 156 one. Each square is a pound.
Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 May 25- just under 65k
June 25 Debts in my name only £5170. DH can't keep track...1 -
Why not get to £750 and then split any funds 50:50 between debt and continue growing the EF?"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0
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Think I might, feels more achievable. E fund is at 560 so far. Once I hit 750 I'll just put a fiver a week in it or something to keep it growing
Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 May 25- just under 65k
June 25 Debts in my name only £5170. DH can't keep track...1 -
I think it's nice to see it keep growing, whilst also tackling the debts.NeverendingDMP said:Think I might, feels more achievable. E fund is at 560 so far. Once I hit 750 I'll just put a fiver a week in it or something to keep it growing"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0 -
Weekly budget reset day and 6 days till payday.minor payments.to debts, e fund still the same. Just limping along now till payday. McDonald's due for excellent parents evening and probably some bits of spends for half term but that's hopefully it.Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 May 25- just under 65k
June 25 Debts in my name only £5170. DH can't keep track...2 -
7501350144122852657270734904388New snowball amounts, 8 things owed down from 11.Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 May 25- just under 65k
June 25 Debts in my name only £5170. DH can't keep track...2
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