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  • FIRST POST
    • Shelbi
    • By Shelbi 13th Nov 16, 9:21 PM
    • 684Posts
    • 1,609Thanks
    Shelbi
    3rd Time Lucky?!- Attempting to clear £6645.93 of debt in 105days (3months+13days)!!
    • #1
    • 13th Nov 16, 9:21 PM
    3rd Time Lucky?!- Attempting to clear £6645.93 of debt in 105days (3months+13days)!! 13th Nov 16 at 9:21 PM
    Ok so have kinda messed up turns out Haliwax (cc2) have started charging interest 2 this month...seriously confused thought it had a much longer 0% interest term. So have stupidly opted for a 3 month 0% Interest balance when I should've got a longer term...only a £4 interest on a 3.5k balance but damn Im so annoyed with myself for this!! So basically both cards need to be paid off ASAP. so far daily payments made have been £2.11 pathetic I know but something at least. I think this shows me how much I need to sort this out. Im ready! So my plan is to pay 3 monthly instalments of £1048.64 to cc1 and 3 instalments of 59.01 to cc2 (£1107.65 total to be paid on the 1st each payday) I have to try to live on the rest £1237.39- maybe a little tricky but needs to be done. After the remaining balance of £3322.96 will be paid with February's pay (assuming I receive a bonus this year) New goal DFD 26 Feb 2016...105 days from now so google tells me (3months & 13days from today)...New Challenge..new diary...here goes!! *crosses fingers*....3rd Time lucky?!
    Debt at 5th attempt
    Step 1-1 debt vs 100days chpt27- £4603.46/£4603.46 (100%)- deadline 29.12.17- Done!!
    Step2- cc £5482.83/£5482.83 (100%) DFD-01.03.2018
    save for xmas-100/£600
    Emergency Fund- 1500/£5000
Page 8
    • enthusiasticsaver
    • By enthusiasticsaver 31st Jan 18, 11:50 PM
    • 6,256 Posts
    • 12,385 Thanks
    enthusiasticsaver
    Evening all...

    so I've had 3 NSD and had some great news I received my bonus letter from work, I've been awarded the full 15% £6430 so I'm really happy and extremely grateful!!

    I will get it in 80% in February's paycheck & 20% in March though ill be taxed 40% &11% NI on it as I've gone over the £40k earnings bracket... reducing my pension deductions earlier this year means I have no buffer from the 40% tax. Speaking with my other half he says that I should put it in my pension to save the tax building up my pension and continue with my current debt plan of paying £1300 in Feb and £1300 in March to clear it.

    My suggestion was to keep following Dave Ramsey's baby step plans and take it now even with the tax deducted to clear my debt asap. Then put the remaining 20% (March money) into my pension (tax saving) and boosting my pension contribution to 15% (as Dave suggests) as I'll be debt free then concentrating on my 6 month emergency fund (£5k) and house deposit. Id rather pay off the debt asap but I do understand where hes coming from...Any advice here would be greatly appreciated please guys as I'm torn.

    Another quiet weekend though welcomed this week as I'm shattered OH and pals are doing DIY all I can hear is @%$£! so all going well I guess worried to see what damaged they've caused. X
    Originally posted by Shelbi
    Your OH is right and the most tax efficient thing would be to put your bonus in your pension. It is a large amount though which could obviously clear the debt and go someway towards building your savings. 51% deductions is a lot so I would work it out as it depends on how close to the £40k you will be as to whether you pay HR tax on all of it or some of it.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • Magpie100
    • By Magpie100 1st Feb 18, 1:28 PM
    • 108 Posts
    • 244 Thanks
    Magpie100
    I absolutely think giving yourself £150 a month for socialising from March onwards is the right thing to do. You are doing brilliantly and have really changed your habits, but you won't want to stay in for ever! It's 'easy' (I mean it isn't, but it's easier!) to stay in in January when everyone else is also hermit-like and Dry January-ish - but once it gets to longer days and better weather you will want to go out and do things. And that's fine, as long as you budget for it!

    I'm not expert enough to advise on what to do with your bonus - if it were me I would split it between emergency fund, clearing a bit of debt and starting to save for a deposit. Just because I think putting it all in to your pension when it is so many years before you'll see it again is psychologically demoralising. HOWEVER, if you think you might be tempted to 'dip' in to your emergency fund/house deposit fund then perhaps locking it away would be the best thing. Your OH is no doubt right about being tax efficient, but you are a person, not a multimillion pound corporate entity. I just wonder if the feeling of having started to save for a deposit and emergency fund might be more fulfilling at this stage than locking it away in your pension.

    You've shown how determined and disciplined you can be, though! And dare I ask...are you still buying branded cleaning stuff?

    Keep going, you are doing so much better than a few months ago - think what you can achieve in six months' time!
    • enthusiasticsaver
    • By enthusiasticsaver 1st Feb 18, 1:48 PM
    • 6,256 Posts
    • 12,385 Thanks
    enthusiasticsaver
    If you salary sacrifice your bonus then the whole £6430 will be free of tax and NI I think although the pensions forum may be the place to post a question. That saves you 51% or £3279 and your pension will be boosted by this plus however many years until you draw it so assuming average return of 4.5% this will be worth £13300 in 20 years.

    If you take it now you just get £3151
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • Shelbi
    • By Shelbi 11th Feb 18, 9:13 PM
    • 684 Posts
    • 1,609 Thanks
    Shelbi
    Hi Magpie100 & Enthusiasticsaver,

    Thank you so much for your replies they were super helpful and gave me alot to think about. Im sorry for the delayed reply- part me thinking on what i was going to do and part me being out and about (dont worry still on the dfw wagon, just a couple of dinners, nights out to celebrate making it through a very dry January!!

    I wrote a mahoosive post but I guess I took to long and it got lost, so take 2 and will copy and paste just in case...I reworked my figures, found out that the 40% fresh hold is £45k not 40K which gave me some relief. In the end I decided that id take as much as I could before hitting the 40% tax marker which was £3k the rest I gave instruction to put in in pension- It'll be enough to clean up my debt and get my emergency fund started. My pension is also underfunded- Its only worth £37k...but that's something else to worry about in the future.

    I think clearing up the debt the most important part, but even with my newly found discipline I dont think ill be able to not spend the rest of it...and if im completely honest im enjoying the challenge, its helping me not fall into the same pattern ive been in for the last 35years I wasnt MSE ways engraved in me, I can still spend stupid amounts when Im out, as these couple of weeks showed me. Ive not gone into further debt and I have about £60 to live on until payday so Ive still got some money but its another shoe string month- 15 days of rice and beans.

    Magpie I had a look around and confess domestos, flash wipes have made it back into the flat- I can hand on heart say they didnt come from me, thats OH doing, we have a comfy blend of Aldi and basics and brands here- just depends who picks up the shopping..but its OH money for those, I laugh as whilst hes buying all these things as he likes brands he seems to have no clue or mention that I switched his regular coffee for a basic brand (the beauty of decanting good).

    This weekend was a spend free one, I cooked the turkey we got for Christmas and we had it today, will make soup with the left overs, if OH leaves left overs-perhaps tomorrow. hmm what else went out for dinner with OH and his family last night. which was lovely. Have Valentines day sorted, think i said that in my post before. Have done zero clothes shopping only real vices have been drinks after work and dinners...back to my hermit life for now I've had a good little cut loose session now back to cracking down.

    Gosh I cant wait till payday...Hope you have a wonderful weekend guys! sorry for the ramblings and the absence...right I best go catch up on some diaries...

    Shelbi x
    Debt at 5th attempt
    Step 1-1 debt vs 100days chpt27- £4603.46/£4603.46 (100%)- deadline 29.12.17- Done!!
    Step2- cc £5482.83/£5482.83 (100%) DFD-01.03.2018
    save for xmas-100/£600
    Emergency Fund- 1500/£5000
    • Shelbi
    • By Shelbi 27th Feb 18, 11:40 PM
    • 684 Posts
    • 1,609 Thanks
    Shelbi
    Evening Diaryland,

    Sorry its been a while since my last update, ive been semi battening down the hatches till payday, working and stepping out a bit...so yesterday was payday and for the first time in a very long time Im in the black, Ive paid off my Barclaycard and am now just waiting for my regular saver to mature so I can transfer this to my loan balance and clear that too- Matures in 2 days and I will pay it over.

    Im part excited and the other part sick at having to spend so much money on this debt but hey ho ive learned my lesson I think.

    Had a great murphy moment on Friday when I broke my beloved phone, 2 days before payday...now Im not so die hard to say that didnt replace it, thats unthinkable for me but what i did do is opt for the cheapest android I could get my hands on £50 (i saved my self anywhertre between £200-£600 here forgoing a new s4msung).. I can honestly say it does most of the things I need, and for now itll do! Also was cashflowed so no credit card used...£50 well spent i think...looks similar too.

    literally had the annual waterbill, Quarterly electric and gas bill fly through the door on payday(a small fortune)...you thing utilities do this on purpose? ths was paid too -oh gave me his part towards it.

    Hmm whatelse- I've been out quite a bit this month, i think in the nights in sent me stir crazy, all cheapy nights but fun...haven't got any more planned this month only birthdays &mothers day to come, topped up £50 on amazon and got a free £5 also brought a gift voucher and received £6 reward. so will use these to get the 4 presents needed.

    Other than this my plan is too have at least 25 nsd in March (need to keep costs down till next payday) have allocated £100 food fund, and £100 fun money (just in case) anything extra i recieve,earn or dont spend will go towards my emergency fund...cant believe ive finally made it...roll on Thursday!!

    Shelbi x
    Debt at 5th attempt
    Step 1-1 debt vs 100days chpt27- £4603.46/£4603.46 (100%)- deadline 29.12.17- Done!!
    Step2- cc £5482.83/£5482.83 (100%) DFD-01.03.2018
    save for xmas-100/£600
    Emergency Fund- 1500/£5000
    • ladymay
    • By ladymay 28th Feb 18, 1:10 PM
    • 900 Posts
    • 3,807 Thanks
    ladymay
    Huge congratulations Shelbi!!!
    Moved back to the UK 05/01/18
    New Job and New Business
    2018 Aim - Save £10k
    • Shelbi
    • By Shelbi 28th Feb 18, 10:23 PM
    • 684 Posts
    • 1,609 Thanks
    Shelbi
    Hi LadyMay,

    Thank you hun, really excited for tomorrow, also a little sad to be paying over more money but it'll be worth it! Thank you!!

    So Today I made it into work, was a nice trek at least the snow was pretty, I had £240 to pay into the bank (OH bill contribution) got there only to be told they wont be opening until 10 due to the weather, needless to say I didnt fancy waiting an hour or being late for work, will try my luck tomorrow... today was a good day all in all. Managed to bring in lunch, the only spending I did was mothers day gifts which I used the ama50n top up so I'm not counting this, got mother dearest a cd and some perfume...bonus was I got a free download of the cd so It was a gift to me too #winning

    Work went by pretty quickly today, lunch time I updated my YNAB for all the things that flew out other than that it was spent working, in meetings and wondering how hard the snow has to hit before we can be sent home...turns out we need North pole conditions so will be back in tomorrow with a smile (wishing I had become a teacher at this moment as the schools are shut) I'm kidding...should be another fine day. *fingers crossed*

    Have £19 odd in amazon wallet and £16 in wowcha wallet, will be using these for next birthday/celebration purchases, I don't think I have any more until April. Haven't made any headway on either emergency fund target £5k or xmas savings, which will be my next task. right I'm off to have a read some diaries, much more interesting (&get some good tips)

    night guys hope youre all warm &toasty x
    Debt at 5th attempt
    Step 1-1 debt vs 100days chpt27- £4603.46/£4603.46 (100%)- deadline 29.12.17- Done!!
    Step2- cc £5482.83/£5482.83 (100%) DFD-01.03.2018
    save for xmas-100/£600
    Emergency Fund- 1500/£5000
    • Shelbi
    • By Shelbi 1st Mar 18, 3:49 PM
    • 684 Posts
    • 1,609 Thanks
    Shelbi
    I'm Debt Free!!
    Good Afternoon MSE Land,


    Its official paid off my loan this morning, its at nil balance...for the first time in years *IM DEBT FREE!!!!!!* (Sorry, Its My version of the Dave Ramsey scream)


    I'm happy as a clam!! Finally did it! xX


    Now onto Baby Step 2 to build an emergency fund...£5000... coming up




    Love Shelbi x
    Debt at 5th attempt
    Step 1-1 debt vs 100days chpt27- £4603.46/£4603.46 (100%)- deadline 29.12.17- Done!!
    Step2- cc £5482.83/£5482.83 (100%) DFD-01.03.2018
    save for xmas-100/£600
    Emergency Fund- 1500/£5000
    • Magpie100
    • By Magpie100 2nd Mar 18, 5:18 PM
    • 108 Posts
    • 244 Thanks
    Magpie100
    CONGRATULATIONS! You deserve it - you've done so well! Well done, Shelbi! So pleased you already have the EF as your next target, too. Think of how much you can save with your new MSE head screwed on!
    • Shelbi
    • By Shelbi 3rd Mar 18, 5:39 PM
    • 684 Posts
    • 1,609 Thanks
    Shelbi
    Hi Magpie100

    I hope you're well? ...Thank you, couldn't have done it without you're help and guidance...I'm really grateful!!
    Yes my EF is definitely my next target...Trying to use all the cheats and tips everyone has shared throughout my journey...received my ecoegg today, its taking its first trial run...It says it will save me buying washing powder for a year will see how it goes...funny the little things that bring me joy!!

    Today I managed to take a walk around primrose hill park with OH, grab a cheeky mulled wine& Pint in a cute pub and then some supplies for the weekend, now back home to keep the rest of the weekend a spend free one.

    currently curled up on the sofa with a duvet, waiting for the washing...absolutely love the weekend! the snows melting away but I think a night in is still justified

    X
    Debt at 5th attempt
    Step 1-1 debt vs 100days chpt27- £4603.46/£4603.46 (100%)- deadline 29.12.17- Done!!
    Step2- cc £5482.83/£5482.83 (100%) DFD-01.03.2018
    save for xmas-100/£600
    Emergency Fund- 1500/£5000
    • Shelbi
    • By Shelbi 5th Mar 18, 1:35 PM
    • 684 Posts
    • 1,609 Thanks
    Shelbi
    Good Afternoon Diaryland,


    So yesterday I managed a SFD by staying in doors watching movies, OH ventured out to the gym and for food, bless him.
    Today have spent £5 on 5 microwave meals for lunch, not great but still better than a £3 meal deal. A small splurge...Next week I'm committed to do better and bring in Lunch for the rest of the month...


    Have ordered a bullet journal today, using my vouchers- after reading foxgloves diary I was inspired to give it a go... excited.


    Tonight I'm off to my mums I'm pretty sure I had a slow cooker hidden in the cupboard from many moons ago- hoping she hasn't given it away...Hoping to get that and make some use of it. I'm 100% sure I have a sewing machine there that's never seen daylight, thinking of selling that- hopefully it has all the bits.


    Also decided to send off my old broken phone, the site says I'll get £25 for the faulty phone. Who knows if it'll work but its just laying in my drawer gathering dust so Ill give it a go.


    Only other MSE Move I've done today is catch up on some diaries and check the Freepostcode lotto (no wins so far but I live in hope).. OK I best get back to work.. Happy Monday everyone- Hope you have a good one x
    Debt at 5th attempt
    Step 1-1 debt vs 100days chpt27- £4603.46/£4603.46 (100%)- deadline 29.12.17- Done!!
    Step2- cc £5482.83/£5482.83 (100%) DFD-01.03.2018
    save for xmas-100/£600
    Emergency Fund- 1500/£5000
    • DrSpendLittle
    • By DrSpendLittle 5th Mar 18, 3:46 PM
    • 293 Posts
    • 997 Thanks
    DrSpendLittle
    OMG, Shelbi, I go away for a couple of months and come back to find you DEBT FREE!!! That is awesome! Massive congratulations! 3rd time lucky, indeed!!!!!
    Since 1st September 2017
    CC1: £paid off/£1,253.73 | CC2: £2,529.99/£9,124.15 | CC3: £paid off/£312.34 | Car Finance: £1,263.28/£1,894.92
    Emergency Fund: £329.81/£500 (65.96%) | Total Debt Repayments: £5,359.34/£12,585.14 (42.58%) | LBM Debt Exposure: £13,915.17 | Average Monthly Repayment: £836.17 | Outstanding Debt: £7,225.80 | DFD: 30/09/18
    • Poppy1984
    • By Poppy1984 5th Mar 18, 5:04 PM
    • 176 Posts
    • 330 Thanks
    Poppy1984
    Wow! Congratulations on becoming debt free! That must feel amazing!!!!
    19-02-18 Total Debt £3,800 Next £815 Very £1600 Tesco Credit Card £1600
    PAID Next £815/£815 now closed Very £370/ 1600 Tesco £160/ £1600
    April - May Grocery Budget £40/£200 EF fund £200/£300
    • ladymay
    • By ladymay 6th Mar 18, 2:26 PM
    • 900 Posts
    • 3,807 Thanks
    ladymay
    Great to see you so positive! Keep the diary going, I'm sure people would love to know how you're getting on with the saving!
    Moved back to the UK 05/01/18
    New Job and New Business
    2018 Aim - Save £10k
    • Shelbi
    • By Shelbi 10th Mar 18, 6:55 PM
    • 684 Posts
    • 1,609 Thanks
    Shelbi
    Hi DSL, LadyMay & Poppy1984

    Hope you're all enjoying your weekend, DSL & Poppy1984 Thank you so much!! It really does does feel amazing... think it will sink in more when I get paid next month and my monies actually my own

    LadyMay Thank you hun, I'm definitely going to continue my diary, suspect its the only way I will keep in the black and get my emergency fund sorted...

    Right now I'm trying to keep off the spending until payday and live on what I have, oped to stay home today save some pennies- one sped was a movie on prime to watch tonight £5...days been spent on chores- washing, more cleaning.

    OH went and got some food in though it wont last the week...have done a quick kitchen audit and we will need some more bits to make it through the month...have a joint of meat and some seafood in the freezer so a Sunday roast and fish pie will be on the menu...just have to come up with another 14 meals. Will be meal planning tonight.. I also need to do my Ynab budget update and budget for March-April.

    Tomorrow ill be heading over to my parents to celebrate mothers day, presents brought but I also need to get some cards though. Think ill pick up a few extra as they are cheap at the factory of cards and my reserve stash is running low. I absolutely cry at getting caught short and paying more for cards than 80p

    I really do need to start visiting friends more at the weekends and arranging things I'm getting very slack...I'm more of a busy week day person and have lazy weekends...I wonder if its my new MSE ways or i'm just getting older ...

    Hope everyone has a fab weekend...

    Shelbi x
    Debt at 5th attempt
    Step 1-1 debt vs 100days chpt27- £4603.46/£4603.46 (100%)- deadline 29.12.17- Done!!
    Step2- cc £5482.83/£5482.83 (100%) DFD-01.03.2018
    save for xmas-100/£600
    Emergency Fund- 1500/£5000
    • Shelbi
    • By Shelbi 14th Mar 18, 7:56 PM
    • 684 Posts
    • 1,609 Thanks
    Shelbi
    Evening All...

    So far so good this week, I've spent very little money but in turn I haven't saved any either. MSE things achieved - decreased our sky package and made use of my brothers Netflix, coupled with my amazon prime I think we have enough to watch. Free postcode lotto played but nothing won yet. We invested in a water filter jug, our water in this side of london is rank, we were continuously buying bottles. It was £29 so should have really paid for itself by the time then fortnights out if anything well save the enviroment...going to up my swag bucks surveys if i earn enough that will cover the cost of the replacement filters.

    My £25 ma5uma m0bile money dropped into my account for my phone - happy days!! will be used for a weekly shop-still haven't done any food shopping, surprisingly we haven't starved but made use of whats there, I do need to go though I can see a few bits and tumbleweed....

    Sx
    Debt at 5th attempt
    Step 1-1 debt vs 100days chpt27- £4603.46/£4603.46 (100%)- deadline 29.12.17- Done!!
    Step2- cc £5482.83/£5482.83 (100%) DFD-01.03.2018
    save for xmas-100/£600
    Emergency Fund- 1500/£5000
    • Shelbi
    • By Shelbi 20th Mar 18, 9:38 PM
    • 684 Posts
    • 1,609 Thanks
    Shelbi
    Evening All,

    So it's been a great week, I've been trying to stay the on the MSE wagon... My balance is still in the black (just about) and there's only 6days till pay day.

    This week Ive been trying to figure out ways I can save money if possible-I manged to get an eye test with £15off and the balance was refunded by work (bless em)...I then took advantage of the MSE offer to get 2 pairs of specs for £22.95 Which was ace! Currently I spend about £60 for 3months of contact lenses, I figure if I can wear my glasses more often itll cut the cost.

    I also plan to pay my amazon and car tax in full this month, rather than in installments, this will give me another saving over the year- £16 on amazon, im not sure on the car tax as i need to check it, but there may be something, the same will be done with my insurance once its due. it'
    ll cost more this month but will save money throughout the year.

    This month I'm hoping to put at least £1500 into my emergency fund and £150 into the Christmas savings pot! I'll then aim to put away £50 per month/:money.

    I've no real plans for this week, so its just a case of gaining as many nsd's as I possibly can...Ill try and post my budget for the month once its done...

    nothing much to add...my lifes very un-rock and roll these days!
    Debt at 5th attempt
    Step 1-1 debt vs 100days chpt27- £4603.46/£4603.46 (100%)- deadline 29.12.17- Done!!
    Step2- cc £5482.83/£5482.83 (100%) DFD-01.03.2018
    save for xmas-100/£600
    Emergency Fund- 1500/£5000
    • Shelbi
    • By Shelbi 21st Mar 18, 10:53 PM
    • 684 Posts
    • 1,609 Thanks
    Shelbi
    Evening All,

    How gorgeous was it today, not sure what it is about the sunshine but it always makes me feel happier, churpier and generally hyper...think I may have drove my colleagues mad with my incessant talking Think perhaps i'm solar powered. Will make an effort to keep schtum tomorrow, head down, work hat on.

    I didnt manage a nsd today, grabbed a salmon salad on route into work..(was delicious) have some left over for tomorrow which is nice. Tired to Keep snacking to a minimum. other wins was to book in my car for mot week after next and my long awaited celebrational spa day.. I also made a mental note of all the occasions I have coming up this month..and tried to fit them into my budget. one spa day, one work night out, one lunch with friends I haven't seen in an age, one catch up with my besties (home visit- so just some treats for the kids on that one) and another dinner for another friends birthday. I've gone from having nothing planned to quite a bit when. I actually thought about it. Ive been MIA for so many outings that I almost feel obliged to say yes to them all- am not going to crash and tumble back into debt though, i've sorted a budget and will stick to it.

    will post it tomorrow as im burnt out...hope you all had a good day...night diaryland x
    Debt at 5th attempt
    Step 1-1 debt vs 100days chpt27- £4603.46/£4603.46 (100%)- deadline 29.12.17- Done!!
    Step2- cc £5482.83/£5482.83 (100%) DFD-01.03.2018
    save for xmas-100/£600
    Emergency Fund- 1500/£5000
    • enthusiasticsaver
    • By enthusiasticsaver 21st Mar 18, 11:00 PM
    • 6,256 Posts
    • 12,385 Thanks
    enthusiasticsaver
    Congratulations on being debt free and good luck with your next challenge of £5000 in emergency fund. Keep to those MSE ways with the odd treat thrown in and you will be fine. Good luck on your next stage of the journey to build up assets and live within budget.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • Shelbi
    • By Shelbi 22nd Mar 18, 3:34 PM
    • 684 Posts
    • 1,609 Thanks
    Shelbi
    Thank you enthusiastic Saver I will do my best
    Debt at 5th attempt
    Step 1-1 debt vs 100days chpt27- £4603.46/£4603.46 (100%)- deadline 29.12.17- Done!!
    Step2- cc £5482.83/£5482.83 (100%) DFD-01.03.2018
    save for xmas-100/£600
    Emergency Fund- 1500/£5000
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