MFW to MF Future Me.............

IndiJonesi

I've subscribed Dolly and will be journeying with you...looking forward to reading about all your plans and goals...well done you on tackling everything.  Indi x

_Dolly_Rocker_

New spreadsheet sorted and the debt total is £12,248 - I am honestly disgusted that it's got to this level and feel like I've got absolutely nothing to show for it. 

I am not doing this again, this is the last time I will get myself into any debt. 

I could be so further forward with overpaying my mortgage if I didn't have this debt. 

Gonna be mad at myself for a few minutes then get over it - time to start making positive changes now that will set me up for a much better future. 

I wanted to be debt free by the end of 2023 but looking like it's gonna be June 2024 now. Even then it will be a complete slog to get it all paid but I love a challenge so here we go!

_Dolly_Rocker_

August 2023 - Debt Repayments - £1,376.83
£117.00 - Very
£255.00 - MBNA
£100.00 - Tesco CC
£410 - Virgin CC
£354.29 - Sainsburys CC
£140.54 - Lendable

_Dolly_Rocker_

_Dolly_Rocker_ said:

August 2023 - Debt Repayments - £1,376.83
£117.00 - Very
£255.00 - MBNA
£100.00 - Tesco CC
£410 - Virgin CC
£354.29 - Sainsburys CC
£140.54 - Lendable

I'm gonna be paying most of these off in dribs and drabs throughout the month but as long as I hit these totals I don't care how I do it. 

I've cancelled my Moneybox LISA payment of £100 a month right now so that I can pay these off. Once I'm debt free I'll make the payments I've missed back to this cos this is my OAP pot.

_Dolly_Rocker_

IndiJonesi said:

I've subscribed Dolly and will be journeying with you...looking forward to reading about all your plans and goals...well done you on tackling everything.  Indi x

Thank you! Think half the battle is admitting to yourself how bad it's got, drawing a line and then starting to tackle it.

All done now so time to get it paid off then I can tackle the mortgage OPs. 

_Dolly_Rocker_

Just cleared out an old bag and found £11.00 - not much I know but will pay that into the bank and add that towards one of the debts!

_Dolly_Rocker_

Had a rummage in the cupboards and I've got enough in there to do me a good few meals. 

I've got a £10 Asda voucher that I'll use to get in anything else I need. 

_Dolly_Rocker_

Got time off my FT job today but still have 4 dog walks to do so at least that is money coming in!

Started up my own dog walking business to get a bit of extra income, all insured and registered with HMRC but every extra bit is gonna help!

My own 2 dogs are still going out with their dog walker today so I'm gonna tackle the housework when I get back in then chill for a bit.

Planning a NSD today and just can't wait for my wage to hit the bank on Monday so I can start the payments on all this debt!

Is it sad I'm excited about it?

_Dolly_Rocker_

Payday tomorrow!!

_Dolly_Rocker_

 August 2023

Debt Total	Minimum Payment	Payment Due	Payment Made	Remaining Debt
Very	£0.00	£TBC	£TBC	£TBC
MBNA CC	£64.51	£TBC	£TBC	£TBC
Tesco CC	£25.00	£TBC	£TBC	£TBC
Virgin CC	£25.00	£TBC	£TBC	£TBC
Sainsburys CC	£55.80	£TBC	£TBC	£TBC
Lendable Loan	£140.54	£TBC	£TBC	£TBC