Time to banish the debt.

flamingo22

Scott_Weiland79 said:

Try re surveys 

curious cat its an app

the surveys are 3-100 plus points, 100 points and you can drop cash into paypal. Any survey you get booted from you at least get 2 points

Qmee app

is another good one

A good slightly slower one is 

Opinium research-surveys come via email and are normally 25p to 75p. You have to build up 25quid before you can drop money.

prime opinions and crowdology i wouldnt waste my time with. I used to have the nick name survey guru, the sites you mentioned are not the best 

Thank you for that, I'll have a look. If you've got anymore tips, please send them my way 🙃

Scott_Weiland79

chase bank account for cashback

atom bank for building an emergency fund they have a savings that 3.9 percent

hmmmmmm 

vinted 
ebay
we buy books for decluttering

and thing you buy online top cashback

Do you drive? 

Optimising reward cards

clubcards and rewards cards.like nectar/advantage cards/superdrug cards.

Naomim

What an achievement on the debt reduction 👏 Absolutely brilliant. 

Please post on the Tilly Tidy thread at the end of the month. 😀

flamingo22

Scott_Weiland79 said:

chase bank account for cashback

atom bank for building an emergency fund they have a savings that 3.9 percent

hmmmmmm 

vinted 
ebay
we buy books for decluttering

and thing you buy online top cashback

Do you drive? 

Optimising reward cards

clubcards and rewards cards.like nectar/advantage cards/superdrug cards.

Thank you 🙃

flamingo22

Naomim said:

What an achievement on the debt reduction 👏 Absolutely brilliant. 

Please post on the Tilly Tidy thread at the end of the month. 😀

I will, I'll try and find the thread 😊

Naomim

@flamingo22 it's in the debt free challenges and ever so slightly unloved. 

I think it's a lovely and pain free challenge. 

flamingo22

Not much to update on the debt front, still plodding, all debts paid this month and I've just realised I'm paying nearly £650 a month in interest 🤮 trying not to let it get me down but it's depressing.
Anyway cashed out £15 from the surveys in the last week, made £2.80 on Vinted whoo hoo, just need to post the two items, tbh though I'm struggling with the motivation to get to the lockers for £2.80 🤣🤣 
Little one had his christening and birthday, he was ill for both and so miserable 😢 on his third lot of antibiotics in 4 weeks 🙄 work busy as anything but it's keeping me active and my mind away from the debt, which is good. 

I'm looking forward to January then I can hopefully say that 'I'll be debt free next year' can't come soon enough. 

LzzyIsGod

The plodding months are tough and not very exciting but you're being consistent and going in the right direction so don't lose heart. When you get to the end (and I really believe you will) the plodding months will be all worth it as they all add up.

Hope you had a nice time at the christening and birthday celebrations despite the illness and LO perks up soon. 

Naomim

Are you overpaying any of the debts?

When I started our debt journey, we were paying interest on all of the debt and were in persistent debt. I started overpaying just by a couple of ££'s. Eventually we started being offered balance transfers. They weren't great as the transfer fees were usually about 5% and the term was short, about a year but they started to make the difference as I was actually paying off the debt and not interest. 

Keep going. You'll be debt free before you know it. 

BrimfulofSascha

Hi Flamingo,

Just whizzed through your diary. I too have a DD just gone into year 11, also struggling with maths, and also promised her a fancy trip when she finished standard education this year. I also started here with a similar amount of debt (c.£48k) and a hopeful DFD of 2027.

You are doing so well. It's such a good thing to be using this as a therapy diary as you are, getting the thoughts out helps with the guilt and stops you catastrophising.

We will get there

L&L
Sascha