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Teetering on the brink

1…105106107108110

Comments

  • ellenvan
    ellenvan Posts: 253 Forumite
    Third Anniversary 100 Posts Photogenic
    edited 2 October at 4:42PM
    Well done. You can do it.
    I think you will easily meet your target for the month.
    Stick to the targets, budget ( and of course Olio) and eventually you will get there.
    Getting ahead on the listing is a very good idea.
  • EatingBeans
    EatingBeans Posts: 520 Forumite
    500 Posts Photogenic Name Dropper
    Woke up this morning to two new ebay sales (£7.40 and £2.41)🎉, but I can see the rest of the day is going to be a big challenge as I also woke up with a banging headache. Plus it’s raining, so the walk to the Post Office is not going to be fun. 😞

    I think it is time for coffee, painkillers and a cuddle with the puppies. I might even watch another episode of The Hack - a series based on the phone hacking scandal that I have just discovered on ITVX. I very rarely watch anything on TV anymore unless dd2 wants to watch something together, but I saw it when I logged on to watch Martin’s show and I thought it looked interesting. It has not disappointed so far. 

    Hope you all have a lovely day. 🙂
                           End of
         Dec-24
         Aug-25
    Brother 5,400.00 7,950.00
    Overdraft owed 1,349.90 0.00
    MBNA CC 10,534.20 11,531.06
    Barclaycard CC 9,667.21 9,771.80
    Fluid CC 0.00 809.75
    NatWest CC 12,018.14 11,814.72
    Aqua 0.00 1,147.94

    Total debt
    38,969.45
    43,025.27
    Paid off in the month 99.87
     
     
  • EatingBeans
    EatingBeans Posts: 520 Forumite
    500 Posts Photogenic Name Dropper
    Oh, and I should also celebrate my weigh-in this morning. 202.0lbs today, down from 202.6lbs yesterday and last week’s average was 203.9lbs! A little way to go until I tot up the final average for this week (on Sunday), but looking pretty good so far!
                           End of
         Dec-24
         Aug-25
    Brother 5,400.00 7,950.00
    Overdraft owed 1,349.90 0.00
    MBNA CC 10,534.20 11,531.06
    Barclaycard CC 9,667.21 9,771.80
    Fluid CC 0.00 809.75
    NatWest CC 12,018.14 11,814.72
    Aqua 0.00 1,147.94

    Total debt
    38,969.45
    43,025.27
    Paid off in the month 99.87
     
     
  • ellenvan
    ellenvan Posts: 253 Forumite
    Third Anniversary 100 Posts Photogenic
    Congrats on the 2 sales plus the weight loss.
    The sales will encourage you to list some more items. Although small that's very near to 2 x £5.
  • Makingabobor2
    Makingabobor2 Posts: 4,300 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Just discovered your diary, via a comment you left on someone else's diary that I follow.  I have subscribed, catching up with your story so far and wish you luck on your debt free journey
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,304....its going down

     Mortgage Free December 9th 2024!      18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £650/£3000
    .

    Studies/surveys  October £13.32

    Decluttering items 1201/    2025
    Books read    18
    Jigsaws done  11

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • EatingBeans
    EatingBeans Posts: 520 Forumite
    500 Posts Photogenic Name Dropper
    Thanks @Makingabobor2 and welcome to my diary. 😁 I am not quite as successful as you at clearing the debt (yet), but I am trying! 
                           End of
         Dec-24
         Aug-25
    Brother 5,400.00 7,950.00
    Overdraft owed 1,349.90 0.00
    MBNA CC 10,534.20 11,531.06
    Barclaycard CC 9,667.21 9,771.80
    Fluid CC 0.00 809.75
    NatWest CC 12,018.14 11,814.72
    Aqua 0.00 1,147.94

    Total debt
    38,969.45
    43,025.27
    Paid off in the month 99.87
     
     
  • Makingabobor2
    Makingabobor2 Posts: 4,300 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    EatingBeans said:
    Thanks @Makingabobor2 and welcome to my diary. 😁 I am not quite as successful as you at clearing the debt (yet), but I am trying! 
    Don't know that I am that successful. Yes, we managed to clear the mortgage early, but the idea of clearing the remaining debt quickly has taken a bit of a battering.  We are plodding on and doing the best we can. I do feel though, that I need to get back into it a bit more seriously.  
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,304....its going down

     Mortgage Free December 9th 2024!      18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £650/£3000
    .

    Studies/surveys  October £13.32

    Decluttering items 1201/    2025
    Books read    18
    Jigsaws done  11

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • Makingabobor2
    Makingabobor2 Posts: 4,300 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Not read all the way through yet, but just a bit confused.  Are you still paying interest on your debts?  Have you not started a DMP and contacted the creditors to get the interest stopped?  If we hadn't done that, there is no way we would have managed at all. Sorry if you have stated there is a reason you don't want to do that, that I haven't read yet. 
    Well done on the weight loss as well. x
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,304....its going down

     Mortgage Free December 9th 2024!      18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £650/£3000
    .

    Studies/surveys  October £13.32

    Decluttering items 1201/    2025
    Books read    18
    Jigsaws done  11

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • EatingBeans
    EatingBeans Posts: 520 Forumite
    500 Posts Photogenic Name Dropper
    No, no DMP for me as I need to be able to move house soon (details buried somewhere in my diary). Sadly £457.15 paid in interest in October. 😞 My absolute priority is to shuffle as much as I can back to 0% as soon as possible because less interest means more reducing of debt. The biggest issue is not having a lot of space on the cards to do much shuffling. It’s painful but I am still here chipping away - I honestly thought I would have caved very quickly once most was on standard rate, but no. 
                           End of
         Dec-24
         Aug-25
    Brother 5,400.00 7,950.00
    Overdraft owed 1,349.90 0.00
    MBNA CC 10,534.20 11,531.06
    Barclaycard CC 9,667.21 9,771.80
    Fluid CC 0.00 809.75
    NatWest CC 12,018.14 11,814.72
    Aqua 0.00 1,147.94

    Total debt
    38,969.45
    43,025.27
    Paid off in the month 99.87
     
     
  • Makingabobor2
    Makingabobor2 Posts: 4,300 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    EatingBeans said:
    No, no DMP for me as I need to be able to move house soon (details buried somewhere in my diary). Sadly £457.15 paid in interest in October. 😞 My absolute priority is to shuffle as much as I can back to 0% as soon as possible because less interest means more reducing of debt. The biggest issue is not having a lot of space on the cards to do much shuffling. It’s painful but I am still here chipping away - I honestly thought I would have caved very quickly once most was on standard rate, but no. 
    Aah, ok, I see. Not sure if I'd read that. Wishing you lots of luck with it. I notice you say you signed up for P/fc. I found that a God send. Made quite a bit with the studies.  Other good ones are One Poll, Opinium, and Ylive. 
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,304....its going down

     Mortgage Free December 9th 2024!      18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £650/£3000
    .

    Studies/surveys  October £13.32

    Decluttering items 1201/    2025
    Books read    18
    Jigsaws done  11

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


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