The 6 year plan!

Evenstar20

I've done really well with surveys etc... over the last few weeks hitting my £5 a day minimum target. I'm trying to get more organised with Vinted as we have so much to list, it's one of the best things for us, we get money, clear space and feel like making progress. Well last night I listed 5 new items, all 5 have sold this morning! have to go to 3 different shops to post mind! Nice £20 made and a great start to the day!

Rhyddid2026

Amazing news! Well done!

Evenstar20

Pay Day tomorrow! Ended this cycle with £60 left so will be putting this on to my Jaja Card, that will leave me with £200 left to pay on that. Initial budget should have me paying back £1500 next month across all debts. Obviously the more surveys and sales I can get the more likely I am to be able to increase that.

Scott_Weiland79

ace re the surveys and Vinted sales

Try one called curiouscat 

just search it in the app store/googleplay

I love it when i have a week when i get two-three bits of cashback in/two three drops from curiouscat or qmee and a couple of bits of cash in from vinted.

Evenstar20

Scott_Weiland79 said:

ace re the surveys and Vinted sales

Try one called curiouscat 

just search it in the app store/googleplay

I love it when i have a week when i get two-three bits of cashback in/two three drops from curiouscat or qmee and a couple of bits of cash in from vinted.

I'll have a look at that, I've not heard of it before.

Evenstar20

9 Payments left on student loan. 18 years it will have taken to clear, one of the few things I disagree with Mr Lewis on, this is a debt that can hold you back!

Currently on 19 Seperate debts. 2 will have gone by end of January, 5 altogether by June

The rest of the plan will then be re-active to balance transfers etc... but even without pay rises, balance transfers  etc... the debt will be down £20000 by the end of next year!

Sarahwithlove

Well done on the debt busting sounds like its going well. I cant remember if you said if you pay your student loan by direct debit or from wages. If from wages I'd suggest moving to direct debit to prevent any overpayment. 

I think student loan depends on how good a job you get as I am unlikely to ever fully pay mine off. 

Evenstar20

So I was paying though salary but this month I switched to DD, Although it looks like it's left a gap as none was taken from salary and the DD hasn't come out yet either. I did request 1st of the month so could be it starts in Feb. It should take the same amount of time to pay although the DD payments are less. When it get's to about £300 left I will pay that as a final payment.

I'm now down to 17 debts, The next to clear currently has £900 left on it. We get paid before Christmas so this is  a really long month, I've also had to buy a new key for my car and two new parts too, not ideal!

I'm applying for a promotion at work which would be due to start end of March, they pay increase would be really helpful in getting the snowball going. I got a high chance of eligibility for a consolidation loan and a balance transfer but neither where actually successful which is disappointing. The Loan would have really helped as It would have saved a lot on interest on the debts it would have covered, It would have also freed up about £500 on minimum payments that would have then gone on other debts.

Big 6 months ahead, lots of progress to be made!

Evenstar20

Since the new year I have been a lot more deliberate in noticing NSD. With the exception of Bills and Contracts today was my 10th out of the first 15 days of the year. Never done it before but I'm going to aim for 100 for the year, I've done better than that so far but it's going to be a lot harder in school holidays.

Evenstar20

First balance transfer of the year! Only £500 but it's for 9 months which is enough to pay off half of my most expensive APR debt. Will save me about £250 in interest but also increase the how quick others are paid off too so will have a great snowballing impact on our debts.