Daisy's Debt Free Diary [30F/Autistic]

daintydaisy

Hi all, hope you’re doing well. Payday has been and gone and it’s a 5 week wait until next payday !! 

Been making slow but steady progress. 

CC1: 186 
CC2: 466
CC3: 2613
total= 3365

My DD’s are still due to come out for the CC’s so those numbers will be lower by the end of July. Cc1 will also be totally paid off before August which I’m really happy about! It means I have an extra 120 a month to put towards other debts. 

Current savings:

Christmas: 150
Annual payments: 0 (had to take money out for my dentist appt which I had planned to do anyway)
Holiday: 405 (goal met!) 
pc parts: 4
emergency buffer: 6 (at the minute I am just using a ‘save the change’ option which is why this number is low)


slowly chipping away at debts and adding to savings. I am a little worried about the 5 week month as it means more expense but I think I have planned for each cost so fingers crossed I won’t be overdrawn. If I am then I can dip into pots as I met my holiday goal early - don’t actually need it until August! 

in_need_of_direction

Slow and steady wins the race. Stick with it, you’re doing great 

daintydaisy

Just a quick late night update to say that CC1 is paid off and has been closed! One step closer to financial freedom 🥳 

Middle_Aged_Guy

I have just read through your diary and i think you are doing fab! 

Amazing work paying off CC1 , Great achievement.

1stTimer

Congrats on paying off CC1 🥳🥳

daintydaisy

Bit of a late update (with 3 weeks to go until August's payday) but better late than never!

I have managed to sell a lot of my Pokemon cards which has enabled me to pay off more of my credit cards. As it stands, my current debt sits at:

CC1: Paid off!

CC2: £599 (0% ends Jan 2026)

CC3: £2481

Total = £3,080

Almost under the 3k threshold. 

With CC1 paid off I will have more money to put towards CC2, so will be making a separate pot for overpayments. To pay CC2 off by December I will need to pay £120 per month which is exactly the payment I was making towards CC1. Hoping to actually get this paid off sooner with the overpayments, and then I can solely focus on CC3.