Breaking through the debt and life challenges

rumpetroll

Had a really good week last week, booked the time off work with no particular plans, the kids were on school holidays so we had some nice days out, a day at Chessington and time for some gaming with the kids. We were a bit disappointed at the ride height restrictions at Chessington, our youngest couldn't go on any of the big rides aside from Vampire and after Disney last year where she could go on what I would say are bigger rides than most of the ones at Chessington. But we still had a good day and the bigger 3 got to go off on their own in the afternoon to do the bigger rides by themselves.

I also went out on my mountain bike, just me and the dogs, I used to do a lot of mountain biking but haven't really done much for the past couple of years so plan to get back doing it more often.

Had the results back from the lump the vet removed from the dog, it was cancer but they're confident they got it all out so we've been told to just keep an eye on the area. But she's back to her usual self now, the wound has healed well and she's not having to walk around with the cone of shame on her head.

rumpetroll

Back for the usual monthly roundup and it's been quite a good one, I got a nice little bonus paid this month so have used that to top up the savings accounts.

I also got a preapproved 0% BT CC, I know in the last roundup I had planned to clear CC4 from my savings accounts but given that my various savings pots are all at a mimimum of 5% and I would have had to BT CC6 in a few months anyway I decided to take on the new CC to replace CC4 plus I did a BT to my monthly spending card rather than paying it off this month, this means that I can now clear CC6 when the 0% expires and will have also made some £'s from the "stoozed" money.

Given the above I spent some time working out a full month by month repayment plan which will see me completely clear everything in 2 years and this is it now, no more balance transfers needed and all cards can be paid off within the 0% period, I have also managed to budget in £400/month to split between my ISA and SIPP. I'm feeling much more positive about the new plan as I don't feel like I'm having to put everything on hold to pay it off.

- April 2024 -

Debt

CC1:    £1775 / £2463 (28%)     [10/24]
CC2.1: £1706 / £3104 (45%)     [11/24]

CC2.2: £3915 / £3915 (0%)       [3/26]

CC3:    £9638 / £7676 (-25%)    [7/25]
CC4:    £10612 / £12239 (13%) [5/26]
CC6:    £8624 / £9500 (9%)       [12/24]
Finance - £722 / £2405 (70%)   [11/24]

Total Debt - £36,992 / £33,642 (-10%)

Savings ("Stoozed"): £13,106 (+£7051)

Overall Position:  -£23,886

Wedding

It's starting to get close now and that means balances are becoming due with about £1900 going out in April.

Total Budget: £22,000 (100% funded in savings account)
Already Spent: £9784