My DFW to DF Diary

_Dolly_Rocker_

I'm 40 now and honestly I'm so mad at myself for getting back into this position. 

It's time for me to get my act together. I don't want to be 50, 60, 70 and still be this stupid with money. 

I can and will be debt free. 

Is it going to be easy - no. 
Is it going to be worth it - YES!

I am recently single and live with my 2 dogs Bailey and Luna - love them dearly and sometimes feel I work just to fund their extravagant lifestyle!

I have 2 jobs. I work full time as an administrator. 2 days a week in the office and 3 at home. I'm also a dog walker and walk about 10 dogs per week. 

Really I should be in a good place financially but I was in quite a toxic relationship for nearly 3 years and was drained financially. I had to get the police involved to get him out of my house and then found out I had quite a large credit card debt over 4 cards to clear off. 

Not going to dwell on it all. 

I'm going to get everything written down and calculated so that I can get them paid off ASAP. They're all now on 0% finance so no interest being added now since I switched them all. 

Looking forward to moving on with my life and making it better for me and only me!

Lizzybop

HI _Dolly_Rocker_

You've got a plan, stick with it and you will get there.

You'll have plenty of supporters in this place.

One day at at time.
Good luck on your journey

You've got this
Liz x

Doris17

Good luck. 

OtterSaves

Good luck! What's the plan? 

FootyFanDan

Wishing you good luck. Do you have a plan to put in motion?

_Dolly_Rocker_

Thank you all!

Plans and goals incoming..........

_Dolly_Rocker_

Got a couple of balance transfers to 0% for 12 months pending. 

Gives me a bit more breathing space to get them cleared and not be paying a fortune on interest. 

Will get a proper payment plan sorted once the balances go through.

FootyFanDan

Well done on the balance transfers at least that gives you some space to sort out a plan and focussing on getting that plan moving forward. 

_Dolly_Rocker_

£9,268.41 - Debt Total
£1,111.99 - Very - £139.00 - October 2023 to May 2024
£2,929.50 - MBNA - £267.00 - November 2023 to September 2024
£3,324.33 - SBCC - £302.00 - November 2023 to September 2024
£1,902.59 - Tesco - £158.00 - October 2023 to September 2024

I'll be debt free by September 2024!

From October 2024 I'll switch to paying off my mortgage and saving an emergency fund. 

_Dolly_Rocker_

October 2023 Debt Payments
£139.00 - Very - 17th October 2023
£158.00 - Tesco - 19th October 2023

londoner2019

Good luck on your journey! Once you get rid of Very, you can add that 139 to the next balance on top of the monthly amount you're paying now. You'll be done in no time!