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  • FIRST POST
    • Emmel
    • By Emmel 5th Aug 18, 6:24 PM
    • 29Posts
    • 67Thanks
    Emmel
    My Journey
    • #1
    • 5th Aug 18, 6:24 PM
    My Journey 5th Aug 18 at 6:24 PM
    Keeping this little diary to help keep me on track! Im tackling my debts one at a time, with the highest apr first!

    My aim is to clear 484 from the 1st credit card. I have managed to pay 760 to it over the last few days. 500 was from moving part of the balance to a lower interest card. Also have a pending 200 0% BT pending, so when that goes through will bring the balance down to 284, have some extra money coming in within the next 2 weeks, about 100 so will pay that off
Page 1
    • beanielou
    • By beanielou 5th Aug 18, 10:30 PM
    • 58,734 Posts
    • 243,497 Thanks
    beanielou
    • #2
    • 5th Aug 18, 10:30 PM
    • #2
    • 5th Aug 18, 10:30 PM
    Happy shiny new diary
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • Emmel
    • By Emmel 7th Aug 18, 2:28 PM
    • 29 Posts
    • 67 Thanks
    Emmel
    • #3
    • 7th Aug 18, 2:28 PM
    • #3
    • 7th Aug 18, 2:28 PM
    thank you!
    • Emmel
    • By Emmel 7th Aug 18, 2:30 PM
    • 29 Posts
    • 67 Thanks
    Emmel
    • #4
    • 7th Aug 18, 2:30 PM
    • #4
    • 7th Aug 18, 2:30 PM
    Have Managed to get the balance on said card to 200! won't manage much more though this month, have quite a lot on, however i will try my best. Feeling rather motivated that I have an end date in sight, soa and snowball calculator helped with this.
    • Emmel
    • By Emmel 9th Aug 18, 12:37 AM
    • 29 Posts
    • 67 Thanks
    Emmel
    • #5
    • 9th Aug 18, 12:37 AM
    • #5
    • 9th Aug 18, 12:37 AM
    spent 36 on a day out with children today, not too bad i guess, we all had a good day so money well spent. I am trying to spend as little as i can get away with. cooked a chicken tonight so thinking of making a chicken pie tomorrow, or a chicken dinner. will see how it plans out. Cupboards are needing stocked. Defrosted the freezer and stocked it with butcher meat a few days ago so there is plenty meat. I am off tomorrow then back at work for 6 days so i plan to spend very little. I have transfered our shopping money into the shopping account too. there is still 18 left from last week as i used our main account for the butchers. 200 to pay from credit card, then i have decided i need to tackle the 2k over draft next. Small steps
    • Emmel
    • By Emmel 10th Aug 18, 1:01 AM
    • 29 Posts
    • 67 Thanks
    Emmel
    • #6
    • 10th Aug 18, 1:01 AM
    • #6
    • 10th Aug 18, 1:01 AM
    yesterday I spent just under 30 on some shopping, freezer is full, possibly need some fresh goods. Have popped grocery money into a separate account so know what is getting spent. Not managed to make anymore payments, however hopeful that I can pop 10-20 across this weekend
    • Emmel
    • By Emmel 10th Aug 18, 1:41 AM
    • 29 Posts
    • 67 Thanks
    Emmel
    • #7
    • 10th Aug 18, 1:41 AM
    • #7
    • 10th Aug 18, 1:41 AM
    have managed to pay 15, brings the card balance to 185. feels good to be under 200. Hopeful I can get it to 150 in the next week.
    • Emmel
    • By Emmel 10th Aug 18, 1:37 PM
    • 29 Posts
    • 67 Thanks
    Emmel
    • #8
    • 10th Aug 18, 1:37 PM
    • #8
    • 10th Aug 18, 1:37 PM
    well i managed to pay another 40 today, balance now stands at 145, will try and pay 45 over the next week and be left with 100
    • Emmel
    • By Emmel 10th Aug 18, 2:43 PM
    • 29 Posts
    • 67 Thanks
    Emmel
    • #9
    • 10th Aug 18, 2:43 PM
    • #9
    • 10th Aug 18, 2:43 PM
    paid another small 5 payment. 140 balance now.

    these little posts are really helping me stay focused and on track. I have also popped 72.50 this week into my various little savings pots. Feeling positive
    • Emmel
    • By Emmel 13th Aug 18, 1:06 AM
    • 29 Posts
    • 67 Thanks
    Emmel
    I will be able to pay 110 tomorrow, then the final 30 on Thursday! Then its onto the overdraft!
    • beanielou
    • By beanielou 13th Aug 18, 5:58 PM
    • 58,734 Posts
    • 243,497 Thanks
    beanielou
    Sounding good
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • Emmel
    • By Emmel 14th Aug 18, 8:49 PM
    • 29 Posts
    • 67 Thanks
    Emmel
    Its gone !!!55357;!!!56842; now at 0 balance! Onto over draft next. Its 180
    • beanielou
    • By beanielou 14th Aug 18, 9:24 PM
    • 58,734 Posts
    • 243,497 Thanks
    beanielou
    Well done.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • Emmel
    • By Emmel 16th Aug 18, 12:47 AM
    • 29 Posts
    • 67 Thanks
    Emmel
    Over draft gone! I had started little !!!8216;pots!!!8217; last week, for holidays etc but i feel better mentally if i put this money towards reducing debts and dealing with other things as they arise. I know its probably not the recommended way but I feel like it woll work for me better. Until I get debt to a lower level anyway.

    Next up is overdraft #2. Its 2000. Will take longer to clear than previous 2 but in this for long haul. I will take the money i need for thjs week out and then let remaining funds built up slowly to clear it
    • beanielou
    • By beanielou 16th Aug 18, 10:05 AM
    • 58,734 Posts
    • 243,497 Thanks
    beanielou
    Another one gone
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • redofromstart
    • By redofromstart 16th Aug 18, 8:32 PM
    • 2,056 Posts
    • 12,763 Thanks
    redofromstart
    I dropped in to say Happy New Diary, really impressed with your progress
    • ftbwannabe
    • By ftbwannabe 16th Aug 18, 8:51 PM
    • 209 Posts
    • 702 Thanks
    ftbwannabe
    Wow, well done, you've done loads! Great to read your updates.
    saving for house-buying costs 1902
    emergency fund 250//1330
    debts 1295/17,484 |
    • Emmel
    • By Emmel 17th Aug 18, 9:40 AM
    • 29 Posts
    • 67 Thanks
    Emmel
    Thank you both. I feel better now the smaller over draft and the high apr card are gone. The larger over draft will take some time to clear, but its the one I need to do next. I feel by doing so I think know they money is the bank is mine. Hoping to have it cleared by the end of the year.
    • Emmel
    • By Emmel 17th Aug 18, 9:48 AM
    • 29 Posts
    • 67 Thanks
    Emmel
    Have taken all this weeks money out, and there is circa 350 in the account. I hope to not touch this and leave it to be the start of the repayment. I am paid weekly so the plan is to add to it each week
    • redofromstart
    • By redofromstart 17th Aug 18, 10:40 AM
    • 2,056 Posts
    • 12,763 Thanks
    redofromstart
    You just have to keep chipping away at it, but that would be a nice lump off if you can.
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