I want to believe I can do this!

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  • pidge04
    pidge04 Posts: 792 Forumite
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    I have two parcels to post today with eBay sales. Not a lot of money but this gives me a feeling that I am going in the right direction.

    I hope that the Barclaycard debt will be cleared by September.

    This time next year I hope that things will be quite different.

    I have paid almost £3000 off my debt so far this year.

    When this is all done, I am going to save money with the same determination.
    Store card £140 £117 - Store card £150 - Overdraft £200 - PayPal £364 - Loan 1 £5052 - Loan 2 £1733 - Credit card £2890 - Car hire purchase £3200 - Savings £0.
  • Chrystal
    Chrystal Posts: 1,852 Forumite
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    Kudos to you... you're doing fantastically well with paying debt down. :j

    Debt free soon and then 'mental freedom' with lots of savings! :T :T
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
  • enthusiasticsaver
    enthusiasticsaver Posts: 15,594 Ambassador
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    Well done on paying £3k off the debt. After the credit cards I would tackle the overdrafts as they are probably costing you more than the loans.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
  • pidge04
    pidge04 Posts: 792 Forumite
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    Yes, the next thing will be the overdrafts.
    I am thinking of trying to leave my £82 child benefit out of my monthly budget and see whether I can use that to pay off my overdraft.
    Just had to buy 3 birthday presents so that was £15. Budgeted for though.
    Store card £140 £117 - Store card £150 - Overdraft £200 - PayPal £364 - Loan 1 £5052 - Loan 2 £1733 - Credit card £2890 - Car hire purchase £3200 - Savings £0.
  • pidge04
    pidge04 Posts: 792 Forumite
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    If I could keep my child benefit in tact and save it up until Christmas, I could pay off one overdraft.
    Store card £140 £117 - Store card £150 - Overdraft £200 - PayPal £364 - Loan 1 £5052 - Loan 2 £1733 - Credit card £2890 - Car hire purchase £3200 - Savings £0.
  • pidge04
    pidge04 Posts: 792 Forumite
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    I just remembered that when I bought the 2 sticker books for £10 in Waterstones, I got the final stamp on my loyalty card which means I can get something free worth £10. So I can get the next 2 presents from there for free!
    Store card £140 £117 - Store card £150 - Overdraft £200 - PayPal £364 - Loan 1 £5052 - Loan 2 £1733 - Credit card £2890 - Car hire purchase £3200 - Savings £0.
  • pidge04
    pidge04 Posts: 792 Forumite
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    Enjoying a lovely free afternoon at a nature reserve. No parking charge as the machines have been vandalised!
    Store card £140 £117 - Store card £150 - Overdraft £200 - PayPal £364 - Loan 1 £5052 - Loan 2 £1733 - Credit card £2890 - Car hire purchase £3200 - Savings £0.
  • pidge04
    pidge04 Posts: 792 Forumite
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    Oh, so happy!

    I listed some things to sell on Facebook marketplace this morning.

    Already sold some! £10!!

    I love it! Clearing the decks and making some money.
    Store card £140 £117 - Store card £150 - Overdraft £200 - PayPal £364 - Loan 1 £5052 - Loan 2 £1733 - Credit card £2890 - Car hire purchase £3200 - Savings £0.
  • enthusiasticsaver
    enthusiasticsaver Posts: 15,594 Ambassador
    First Anniversary First Post Name Dropper I've been Money Tipped!
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    Well done.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
  • pidge04
    pidge04 Posts: 792 Forumite
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    I have spent the day selling things and finding things to sell. It feels absolutely fantastic!
    I feel really good every time I drop the coins into my envelope. I found about 30p while I was cleaning up so that has gone into the envelope too. Doing a boot fair on Sunday with a friend to share the pitch fee, weather permitting. Menu planning is going well so far this week.
    Store card £140 £117 - Store card £150 - Overdraft £200 - PayPal £364 - Loan 1 £5052 - Loan 2 £1733 - Credit card £2890 - Car hire purchase £3200 - Savings £0.
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