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  • rachmac3
    rachmac3 Posts: 304 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    I usually do my monthly update of my spreadsheet in the middle of the month but for some reason completely forgot. Just done it and it's not too bad considering. 
    I've paid the last £125 off the Tesco CC so I can close that as soon as it clears. I've had to do quite a bit of jiggling with the balance transfers and paying for two flights on my 1st Direct CC a few days apart. One flight is completely paid off already (friend transferred her money to me straight away) and I had just over 400 saved towards my flight so I can pay that off tomorrow. I will feel better once all the jiggling is done and I can be sure I've paid the right amount off the right cards. Two family members owe me money so I am hoping to pay the last bit of my flight off  if once I get that. 
    Now that balance transfer is done early I can see what I need to concentrate on for the next few months. I am glad I went for a card with no fee, even though it's only for 12months and will be the first of the three BT cards to run out. I feel like I have a goal for the end of the year (CC and loan debt under 30k) and then I have another goal for July next year to get my BT credit cards down to 2. 
    I am still really enjoying only having one job, although I know it can't last and I'll need to get a second job soon. I'm still hoping I can put that off til the end of the summer. I'm getting quite a bit done in the house in the meantime (quite a bit considering I am on my own and poor). 
    I was meant to be having a new roof on my shed at the end of the month, but the builder has messaged to say he has to cancel. I do feel sorry for him, but honestly I have such a nightmare getting any trades people to actually do anything in this house. I shouldn't have expected it to go smoothly. I'll try and find someone new tomorrow or over the weekend. 
    Work has been really busy and I have had to sleep for a few hours after work every day this week, so I really need to make sure I am resting this weekend. I'm house sitting the following weekend and whilst I do love it there (I consider it a mini holiday) it means driving back to my house twice a day to see to my own animals so will be tiring. 

    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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