Venturing Out of the Vault (of Debt)

Hi all. After a suggestion to start a diary in my first thread here: https://forums.moneysavingexpert.com/showthread.php?t=5983080

I have decided to start a diary to both motivate myself and record achievements (and errors) in my journey to debt free-ness. First off, some may notice on the original thread that the debt figure has increased to what I originally posted. Hold off on the wagging fingers people, I haven't spent more on credit, I had simply put what was left to pay on my loan account and missed off adding in the other debts (it's been edited to reflect the true figure now). This hasn't changed my debt free target date (I simply read the wrong line of my spreadsheet) :rotfl:

Anyway, to the figures. Debts remaining as of 27/3/2019:
HSBC personal loan: £21,212.36p
Barclaycard: £3432.24p (currently on a 0% deal and aiming to clear before the end of this)
HSBC Advance Overdraft: £800
Total Debt Remaining: £25,444.60p

As I said in the original thread, this figure has come down from around £30,000 :eek: (I don't have exact figures because my new-found organisational prowess had not yet developed, not that it matters too much now).
Now the rambling. After the fantastic advice received from various posters (in particular Sanctioned Parts List, shout out :beer:) I have decided to curtail the emergency fund saving and use the money to pay down debts instead. The Barclay card has a £4000 limit so there is a buffer there in the event of an emergency. in the event of no emergency, the debt is paid quicker. MATHS!:T
This diary will be about facts, figures and general ramblings to keep myself motivated and on track. Comments are most welcome, and if anyone spots me being financially stupid or has suggestions to make this process better, please feel free to speak up and chastise/congratulate/educate.

Today: After a late rise after night shift, and several strong coffees, have sat down and worked through online banking and spreadsheets. The spreadsheets match the bank to within 2p WIN :j DW salary is paid tomorrow so have "tidied" what's left in the spends account and paid the princely sum of £11.66 towards the Barclaycard. Tomorrow will pay another £50 off the overdraft (they only let you reduce in a minimum of £50 increments :mad:). The budget is set for the next 2 weeks (until I get paid again) and all is looking positive. My payday is when most of the DFW action happens so tune in then for more edge of the seat, debt busting action!:rotfl:

Todays ramblings: Is it sad that I eagerly await wages? Not to spend, spend, spend anymore, but to pay another chunk of debt off and watch the spreadsheet figure tumble? It's become almost like a game now. Since the LBM I have a different view of life. I now see that having the latest of everything is actually pointless for the most part. For example, part of the long standing debt is an iPhone from years ago. I "had" to have it. The phone is long dead but the debt is still there, bundled amongst the other pounds borrowed for instant gratification. I spent last Saturday playing with the kids in the sunshine and had free cake (with vouchers) and made a homemade "takeaway" for tea. Total spend £0 (aside from the obvious shopping bill earlier in the month but let's not get picky ). We had a fantastic day and the memories and photographs from such a simple thing will last forever. Maybe our parents weren't old and boring, maybe, just maybe, they were right all along...……...