A Change is Gonna Come.................

[Deleted User]

Eurgh in the office today. 

Hate it! Wish I could just WFH forever and stay home with my dogs. 

Still not had the card through to sort the balance transfers but I'm just about to make a payment to Very so that I don't get charged a fortune on interest!

[Deleted User]

So payment of £324 made to Very and that avoids any interest on that order.

Got a balance of £765.10 which has to be paid between October and March 2025 so I'll sort that when I get all the balance transfers sorted. 

blubella

Well done on the payment, hope you mean 2025 with the Very balance ! x

Highlanddream

@BlueBella , that made me laugh, I did check the date the diary started when I saw that! . Brilliant news on the payment @[Deleted User] 

[Deleted User]

Haha time travelling DFW. 

Honestly didn't even notice that ;-)

[Deleted User]

[Deleted User] said:

2024/25 Goals

• Pay off all debt
• Make at least 2 mortgage overpayments
• Get to 10st
• Add savings to LISA
• Make my house a home
• Put myself first
• Focus on my happiness

Update
So today I've sorted out balance transfers, created a new spreadsheet with all bills updated for the rest of the tax year and worked out how much I need to pay off all CC's while they are on 0%. 

I would LOVE to be able to pay it all off by March 2025  but honestly I don't think it's going to be possible. 

Debt total is £11,095.36.

This doesn't include the money I owe to my Mum who bought my car for me but I'll pay her in dribs and drabs when I can.

Diet starts Monday so we'll get a start on the weight loss - 6st to lose in total. 

Lonelygambler

Just take it one day at a time. You can do it! 

[Deleted User]

One day at a time is exactly the way to approach it. 

Thanks

[Deleted User]

Checked the bank account this morning, only 3 more bills to come out. 

Today I also declined the renewal for Baileys insurance and renewed with the same company through a new policy for 1/2 the price. 

Bit cheeky because I have claimed twice on it with a claim pending at the moment but that should be all complete before this policy ends on the 19th July. 

So determined to do better for myself because I'm sick of feeling like I'm just treading water constantly just because I'm irresponsible with money and impulse buy stuff I really don't need. 

[Deleted User]

Minimum payments made to;

• Tesco
• Virgin

I'll top these up later on in the month. I've calculated all my monthly payment amounts so that I can get these cleared ASAP. If I can pay more I will but doubt it tbh.

Monthly Payments
£85.00 - Very
£397.00 - Tesco
£182.94 - Virgin (£246.00 from November 2024)
£260.00 - Lloyds
£924.94 - Total