The Three C's - Coffee, Clothes & Credit Cards

Sarahwithlove

mark55man said:

Well done.  I think that's a great decision.  Always easier to budget with things set to zero and not have to balance it all out.  Simplification is something I have been working at for ages (but it is hard to achieve)

Thanks it definitely feels like a weight has been lifted and I'm already trying to think of things I can sell and ways to make money for the emergency fund. 

Sarahwithlove

Wow its been a while. Still on track with my budget, had to tweak it a bit as everything seems to cost more these days. Or you get less for your money. 

I've managed to get my phone bill down, cancelled the gym as haven't been using it, and reduced my takeaways.

Onto better news, I have a new job, I start on Monday. Yesterday was my last day in my current job. Was a bit sad but mostly felt relief. Its a side step but more chance to progress and less office time so that will help. 

Savings are up to £2k now. Have a bit of a buffer in my spends account and bills account. Just going to keep plodding along and slowly get there. All about balance. 

mark55man

That's a great update.  And you've nearly done it - in fact if you net off savings/sinking fund  against debt - you're in the clear - fabulous

well done on the new job - just getting out is sometimes reward enough however tinged with sadness

Sarahwithlove

mark55man said:

That's a great update.  And you've nearly done it - in fact if you net off savings/sinking fund  against debt - you're in the clear - fabulous

well done on the new job - just getting out is sometimes reward enough however tinged with sadness

Thanks! I've slightly increased the payments to my dad so last payment will be April 2025. Feels good knowing the end is in sight. 

Yes after 10 years and a lot of changes, it was time. When you wake up in morning dreading work you know you need to get out. 

Hope you are keeping well 

CreditCardJunkie

Congrats on the new job and the debt busting Sarah!