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  • FIRST POST
    • Dragonpie
    • By Dragonpie 19th Jun 18, 5:13 PM
    • 75Posts
    • 94Thanks
    Dragonpie
    So what's next?
    • #1
    • 19th Jun 18, 5:13 PM
    So what's next? 19th Jun 18 at 5:13 PM
    I have recently started to address my debt, it is definitely manageable at the minute but I have a lot of uncertainty regarding jobs at the minute and am due to be made redundant in September. I have figured out how I intend to proceed with repayments either way but feel like writing this diary will make me a bit better at sticking to my plan! Plus any advice that people can give will be appreciated
    Currently I have a loan with 38 payments left at 295.57, a Tesco CC which is rapidly nearing the end of my 0% offer with 2556.40 and 2 other CCs with BT offers ending in June 2019 with balances of 2356.69 and 3255.30. The plan is to pay off the Tesco CC, then attack the other 2 and finally overpay the loan when all CCs are done (then think about the mortgage!), this plan only works if I find a job however otherwise, I intend to still have paid off the Tesco card by September and then stretch my redundancy payment with minimum payments until I find work and can start repaying again.
    I have already started to address my overspending- food, particularly lunch at work, clothes and shoes seem to be my weaknesses so I am taking my lunch to work and have deleted my shopping apps from my phone.
Page 6
    • Dragonpie
    • By Dragonpie 10th Nov 18, 5:12 PM
    • 75 Posts
    • 94 Thanks
    Dragonpie
    Well, 1st night out was last night, budgeted 30 and spent 50! I'll have to make sure I spend a maximum of 25 on the upcoming nights out but considering how terrible I have felt today (I'm not supposed to drink as I have anxiety and drinking always makes it worse), I definitely won't be drinking as much on the other nights out!
    17/06/18 - loan 11527.23, CC1 3682.79, CC2 2356.69, CC3 2128.70 - total 19695.41
    18/11/18 - loan 10,049.38, CC1 6,884.49, new CC2 2,112.89 - total 19,046.76
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