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    • Desperate to be debt free
    • By Desperate to be debt free 6th Jan 19, 7:51 PM
    • 738Posts
    • 1,071Thanks
    Desperate to be debt free
    New Year - New Me
    • #1
    • 6th Jan 19, 7:51 PM
    New Year - New Me 6th Jan 19 at 7:51 PM
    I expect everyone is thinking the same - New Year - New Me but this year I have to get my act together. Have managed to get my debts under some sort of control with all creditors accepting reduced payments. Repayment of this is currently ticking over nicely. The aim for 2019 is therefore to build up some savings.

    I currently feel vulnerable as I have no money behind me. Should a household appliance break down I couldn't afford to get it fixed never mind replaced. Have therefore decided that as my debt is ticking along nicely with regards to repayments, this year I WILL save. Have signed up to the Play Pennies which means I save each day (1p on 01/01/19, 2p on 02/01/19, 3p on 31/01/19 etc). Have also saved 70 of my Christmas money.

    Have recently been promoted to a management position in work and am in a position whereby I can now boost my income by signing onto the NHS Staff Bank so am able to pick up some extra shifts. Am hoping to get training this coming week and to sign up for an additional 6-8 hours work each week. The hourly pay on the Staff Bank is very much less than my substantive hourly rate but - needs must!

    Another area I want to concentrate on this year is my credit score which is awful. Am going to ensure my signature focuses on these two areas so that I can track my progress.

    So here goes - New Year - New Me!
    06/01/2019
    Savings 70.21
    Debt down 23 from last month
    Credit Score 134/700
Page 1
    • jwil
    • By jwil 7th Jan 19, 1:57 PM
    • 9,632 Posts
    • 32,052 Thanks
    jwil
    • #2
    • 7th Jan 19, 1:57 PM
    • #2
    • 7th Jan 19, 1:57 PM
    Congratulations on the promotion and good luck with the savings
    "If you can dream it, you can do it". Walt Disney
    • Purplemumof2
    • By Purplemumof2 7th Jan 19, 3:00 PM
    • 6,656 Posts
    • 25,212 Thanks
    Purplemumof2
    • #3
    • 7th Jan 19, 3:00 PM
    • #3
    • 7th Jan 19, 3:00 PM
    Happy new year, Happy shiny new diary and good luck with the savings x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 5400.00 Lloyds: 9670.00 BC: GONE Cap One: 444.25
    Jan LTW 10/22
    PAYDBX 2019 #041 PD 325.70/5604.30
    Savings for Christmas 50.16/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • Desperate to be debt free
    • By Desperate to be debt free 12th Jan 19, 6:22 PM
    • 738 Posts
    • 1,071 Thanks
    Desperate to be debt free
    • #4
    • 12th Jan 19, 6:22 PM
    • #4
    • 12th Jan 19, 6:22 PM
    So today I have counted up all the debts I've repaid in the last 24 months and it comes to a staggering 10,160.41. Still got a long way to go but at least I'm heading in the right direction. The ones left to pay now are all large amounts but small steps I keep telling myself!

    Savings are up to 101.56 so am heading in the right direction there.
    Done as planned last week and got myself registered to undertake some additional shifts at work, just need the necessary training and I'll be ready to go. Hopefully start doing a few hours as soon as possible.

    9 days til payday
    06/01/2019
    Savings 70.21
    Debt down 23 from last month
    Credit Score 134/700
    • beanielou
    • By beanielou 12th Jan 19, 10:02 PM
    • 59,915 Posts
    • 251,246 Thanks
    beanielou
    • #5
    • 12th Jan 19, 10:02 PM
    • #5
    • 12th Jan 19, 10:02 PM
    Baby steps
    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.***
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