Hi everyone!
Just been reading some diaries on here and thought I need to add my own. Hopefully I will get some encouragement or just stop myself going insane
A bit about me; I'm 34 and live in Berkshire with my partner and our 3 year old son.
We are getting married next year so am saving towards that, plus we have a lease car that goes back in April so need to get another car. So am saving for that.
Oh and we are going on holiday next December to Australia so need to save for that too!
2018 is looking to be expensive
Onto the reason I'm here: DEBT
We owe the following:
Lloyds credit card: £3,219
Sainsbury's credit card £1,392
Oh and a mortgage of £221,000 (!)
The credit cards are 0% until 2020 so everything I send to those comes off the total.
Currently the DD to Sainsbury's is £40, which will clear it by 2020 so I just leave that for now.
The DD to Lloyds is also £40 so I need to concentrate my efforts here otherwise the balance will still be about £2,000 when the 0% ends.
Determined not to have to transfer it on to another 0% deal!
We earn £63,000 between us so am sure we can do it.
Hopefully I've just paid the last £850 a month childcare invoice as our son is 3 now so is eligible for the Government funded hours from September.
Will post our SOA shortly
If you've read this far well done and thank you!!