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The 6 year plan!

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  • Evenstar20
    Evenstar20 Posts: 58 Forumite
    Part of the Furniture 10 Posts Name Dropper Photogenic
    Good morning of surveys today earnt my target £5 for the day but will keep doing more when I get chance. I feel fully back into routine now, chores are generally all in order, I have time to get back into my fitness programmes, not done a post Christmas weigh in yet, I don't think it will be too bad but I'm going to do my first one at the end of the month in any way. 

    Credit Cards - £31050 - £23143

    Loans -  £38938

    Retail - £3752   - £2574

    Family - £6280

  • Evenstar20
    Evenstar20 Posts: 58 Forumite
    Part of the Furniture 10 Posts Name Dropper Photogenic
    Reached my £5 survey target and sold an item on Facebook Market Place for £20. Will be doing the weekly shop later, have been coming under budget on this so hopefully will keep that up. Started to look at new jobs, I'm starting to get more contacts through consultancy work but progression options at work seem to be getting clicky, which is a shame but there are getting to be too many options elsewhere to stay loyal anymore.

    Credit Cards - £31050 - £23143

    Loans -  £38938

    Retail - £3752   - £2574

    Family - £6280

  • Evenstar20
    Evenstar20 Posts: 58 Forumite
    Part of the Furniture 10 Posts Name Dropper Photogenic
    Got my car back finally good news is the repair cost a lot less than quoted. Was originally going to be about £600, but in the end was just over £300! When I get home tonight I'm going to get my surveys done to maintain my £5 minimum daily streak.

    Credit Cards - £31050 - £23143

    Loans -  £38938

    Retail - £3752   - £2574

    Family - £6280

  • Sarahwithlove
    Sarahwithlove Posts: 3,318 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Good news about the car
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Evenstar20
    Evenstar20 Posts: 58 Forumite
    Part of the Furniture 10 Posts Name Dropper Photogenic
    Mixed few days, saw it was Blue Monday but was actually a good day for me moneywise, can start to see progress! Another problem with my car though, suspect it's linked in with the last issue but frustrating and potential more expense. Had a bit of overtime this week which should bring about £200 in at the end of the month, opportunities for that again all the way up to April too which would be useful. Need to do a finance update but may not get chance to crunch the numbers until Monday.

    Credit Cards - £31050 - £23143

    Loans -  £38938

    Retail - £3752   - £2574

    Family - £6280

  • Evenstar20
    Evenstar20 Posts: 58 Forumite
    Part of the Furniture 10 Posts Name Dropper Photogenic
    Pay Day! I also had a £40 e-Bay sale!

    I have a few accounts that are about to go below certain targets this week, Next will be under £1000, Student Loan will be under £2000 and Argos will be under £700!

    Car has been fixed, was linked to the previous issue and because of that no cost! With my overtime payment and my lower loan amount I have managed to pay off my Vanquis Credit Card! I'm hoping that they offer a 0% Balance transfer that I can then use to snowball my debts and clear everything off quicker.

    Currently 5 months a head of schedule! I feel like everything is back on track post Christmas, I've lost 3lbs in weight over January too!! 

    Really happy today, motivated to keep progressing, next account on my hit list is Fluid. Set to clear it by October but hopefully balance transfer makes that quicker. It's got a high interest rate but is likely to open up another balance transfer on 0% when cleared too!

    Credit Cards - £31050 - £23143

    Loans -  £38938

    Retail - £3752   - £2574

    Family - £6280

  • Evenstar20
    Evenstar20 Posts: 58 Forumite
    Part of the Furniture 10 Posts Name Dropper Photogenic
    £15 made on surveys this morning - one was the national buying survey, supposed to take about 90 mins took closer to 3 hours. It feels wrong when the survey sites do this.

    I'm targeting listing 10 Items tomorrow whether this be on Vinted or e-Bay and where appropriate both! Need to really progress with this both financially and the feel good factor of clearing out our storage boxes!

    Credit Cards - £31050 - £23143

    Loans -  £38938

    Retail - £3752   - £2574

    Family - £6280

  • Evenstar20
    Evenstar20 Posts: 58 Forumite
    Part of the Furniture 10 Posts Name Dropper Photogenic
    So pay day came and a few targets hit! Next now under £1000, Student Loan now under £2000, Argos under £700. Fluid is now the lowest it's been and hopefully have £400 overtime to come next month, just waiting on confirmation. If this comes through I'll put half towards Fluid and the other half towards our family holiday. I know not everyone agrees with that whilst clearing debt but as a family we are on track to clear £15000 this year so having a holiday fits in with our goals. The more we can get from Overtime and Surveys/Selling will also help us to clear even more.

    Credit Cards - £31050 - £23143

    Loans -  £38938

    Retail - £3752   - £2574

    Family - £6280

  • Evenstar20
    Evenstar20 Posts: 58 Forumite
    Part of the Furniture 10 Posts Name Dropper Photogenic
    Made my £5 on surveys today, just a a slow routine day built around work. Noticed we have been using a lot of energy recently but the weather has been pretty poor for a few months! Ready for it to start to improve, it's just grey and uninspiring at the moment!

    Credit Cards - £31050 - £23143

    Loans -  £38938

    Retail - £3752   - £2574

    Family - £6280

  • rachmac3
    rachmac3 Posts: 308 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    Well done with the surveys, you seem to get quite a bit from them and regularly. I couldn't get them working well for me. 
    We seem to have similar amounts of debt to clear and a similar timeframe. I'm ignoring my student loan for now though as it's going up (interest) instead of down and it was making me feel overwhelmed. 
    I definitely think you deserve a holiday!

    Debts                 04/01/25        01/07/25   

    Tesco CC          £6,509.97       £5,945.00 
    NatWest CC      £7,612.74      £7,155.00
    Lloyds CC          £6,112.60      £5,215.00
    1st Direct CC     £176.03         £4.50
    CC total             £20,411.34   £18,319.50
    TSB OD             £500             £0
    1st Direct OD     £600             £250 (0%)
    Car loan             £4,000          £4,000
    1st Direct Loan  £10,684.44   £9,451.62
    Total                  £36,195.78   £32,021.12
    EF £300.00
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