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  • FIRST POST
    • Dreambig
    • By Dreambig 3rd Mar 19, 8:06 PM
    • 24Posts
    • 73Thanks
    Dreambig
    Doing it for myself....
    • #1
    • 3rd Mar 19, 8:06 PM
    Doing it for myself.... 3rd Mar 19 at 8:06 PM
    Hello,
    Total newbie here... well newbie to subscribe before I joined I had been reading everyones fantastic diaries and thought id do my own for a few reasons.
    Firstly I am in debt, been one of those people who liked to enjoy life by winging it sort off..... what I mean is being a minimum type of payment girl, not budgeting and by living over my means with no thought to the future.
    I have a number of silly small debts ... and stupidly get by paying minimums instalments....I could kick myself for not having my "lightbulb" moment sooner... I could have cleared these debts over by now... but just let them roll on as they didn't really impact my lift at the time.
    Now however is a different story.. Over the past 3 years my circumstances and life turned on its head leaving me stretched and all these smallish payments added up leaving me living paycheck to paycheck.
    I am up to date with my instalments not in arrears with any but paying 10 pound her and 20 there is getting so annoyed with myself up to my biggest which is 146 a month for a personal loan. I so admire you all for tackling debt head on I just wonder why I let it go on for me but hey ho whats done is done... I will get myself out of this and since January I have made some progress. Today I paid my last payment of 100 to a small £335 outstanding amount... go me...... This was a small triumph but I honestly felt fantastic. 1 less thing scored off the list.
    I have now made a budget... weekly as I get paid weekly at the moment and aim to keep to this, I want to build up and emergency budget so if the washing machine etc goes on the blink I wont need to take out finance as would normally have done. I have accounted now for every penny from my wages to cover and overpay to get rid of these one at a time to snowball these with smallest balance first.... I know I should tackle Apr first but going to stick to the balances for now to get rid of the fiddly ones. and take it from there.....I am started to be really motivated and going to list my debts below and heres hoping I'm projecting at the moment to be totally debt free within the next 3 years whoop whoop if not sooner so Id love you all to join in my journey to me say focused and movitated

    L/M.....£335........Cleared Today
    NPower - start £362 Jan.........today £68 will be clear on the 15th
    SAS- £360........20 p/m
    Vodafone - £265........33.14 p/m (DD phone broke still paying contract til Oct no insurance)
    Over Draft---£560 .......10 p/m
    Very........£1168........20p/m
    Next ----£2200..........120 p/m
    Hitachi---£8140........146 p/m
    Shawbrook --- £approx. 6000..... 119 p/m

    The NPower will be cleared on the 15th then my aim to pay £300 to Very at the beginning of April as my interest free period ends.
    So all going to plan 3 years or before they should all be wiped off
    January 19/ March 19
    Voda £265/197.86, Very - £1198/£878.98, Next - £2293/2123, Hitachi, £8635/8339.52 O/D - £560/540
    Shawbrook, £6464/6462 Savings30 Christmas:63 Christmas Sealed Pot -19.34
Page 2
    • Dreambig
    • By Dreambig 17th Mar 19, 2:48 PM
    • 24 Posts
    • 73 Thanks
    Dreambig
    Woke up determined. Sold a jacket on gumtree for £10 which I put towards the kids lunches for the week. Made 2.47 on qmee which I transferred over to Next and a sneeky wee transfer of £4.00 to very. I would have put the £10 to one of them but I struggle with the cash in hand to electronic transfer as I have no where of getting the cash to a bank and took out all my allowance out of the bank, will need to think of a way round this as I'm using the envelope system and ive got very min in the bank so any ideas welcome as I plan to sell a few things on gumtree/villiage /spock, Listed a few more things on ebay but I never have any luck, will wait and see.
    January 19/ March 19
    Voda £265/197.86, Very - £1198/£878.98, Next - £2293/2123, Hitachi, £8635/8339.52 O/D - £560/540
    Shawbrook, £6464/6462 Savings30 Christmas:63 Christmas Sealed Pot -19.34
    • Dreambig
    • By Dreambig 19th Mar 19, 7:31 PM
    • 24 Posts
    • 73 Thanks
    Dreambig
    So transferred another 2.00 to next from qmee and 5.00 to very been quite lucky on qmee so far done a few 51p surveys boring as hell but made 2.00 in the last two days. Waiting on 2.50 still from checkout smart transferring to paypal as soon as that does it goes straight to next. although these are small payments if I can keep at it I will hopefully see its all worthwhile. So I opened a Monzo last night waiting on my card will see if this works out better rather than the envelope system. I'm going to transfer my budget from my current account on payday cause it will allow me to pay pump for petrol and heard good reviews about it so will trial it for a couple of weeks and see how I get on.
    January 19/ March 19
    Voda £265/197.86, Very - £1198/£878.98, Next - £2293/2123, Hitachi, £8635/8339.52 O/D - £560/540
    Shawbrook, £6464/6462 Savings30 Christmas:63 Christmas Sealed Pot -19.34
    • Choccygirl123
    • By Choccygirl123 19th Mar 19, 9:40 PM
    • 567 Posts
    • 1,719 Thanks
    Choccygirl123
    You've made a great start dreambug and you've all got rid of a couple. Some people can pay 2k off a month, but just remember we all have the sane destination. Some journeys just take a bit longer, I know mine certainly is at the minute.
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    SPC 090 - £69.45 / £500
    • Dreambig
    • By Dreambig 20th Mar 19, 8:04 PM
    • 24 Posts
    • 73 Thanks
    Dreambig
    Thank you so much Choccygirl123, I find myself wishing the week away til every Friday so I can pay sometime of my wage. These small ones are added bonuses Ive never accounted for just over the last month or two I cant believe its taken me so long to get my act together.. keep checking my balances daily don't really no why I'm checking so much maybe hoping the debt fairy has cleared my balances.... no such luck yet I'm afraid x
    January 19/ March 19
    Voda £265/197.86, Very - £1198/£878.98, Next - £2293/2123, Hitachi, £8635/8339.52 O/D - £560/540
    Shawbrook, £6464/6462 Savings30 Christmas:63 Christmas Sealed Pot -19.34
    • Dreambig
    • By Dreambig 22nd Mar 19, 7:40 PM
    • 24 Posts
    • 73 Thanks
    Dreambig
    1st of 4 hurdles
    [QUOTE=Dreambig;75589602]Aims for the next few weeks if all goes to plan:
    1) 22nd March - 20 very ----Paid £36.55
    2) 5th April - 250 Very
    3) 12th April - 100 Very
    4) 19th April - 250 Very
    January 19/ March 19
    Voda £265/197.86, Very - £1198/£878.98, Next - £2293/2123, Hitachi, £8635/8339.52 O/D - £560/540
    Shawbrook, £6464/6462 Savings30 Christmas:63 Christmas Sealed Pot -19.34
    • Dreambig
    • By Dreambig 12th Apr 19, 7:18 PM
    • 24 Posts
    • 73 Thanks
    Dreambig
    So Ive fell short already on my target, but decided to rethink my strategy, My very balance has came down over £300, and managed to avoid the £65 in interest from BNPL, need to pay £100 before 25 May to avoid another which is fab, there will be more paid in small segments, I decided to start my xmas fund and a savings. This is where I go in debt every year so if I have approx 400 saved up all year That's basically it paid for without it hindering my debt paying. Ive being doing the round up pot with Monzo and ive accumulated £16.56 without even noticing so I'm all these little pennies definitely add up, Havent changed any other totals yet as DDs don't come off til the 20th. Hoping another 100 from very before the end of the month and another 20 to savings. In June will look to clearing the OD as that's money wasted very month.
    January 19/ March 19
    Voda £265/197.86, Very - £1198/£878.98, Next - £2293/2123, Hitachi, £8635/8339.52 O/D - £560/540
    Shawbrook, £6464/6462 Savings30 Christmas:63 Christmas Sealed Pot -19.34
    • Lil Suga
    • By Lil Suga 15th Apr 19, 9:01 PM
    • 10 Posts
    • 26 Thanks
    Lil Suga
    Subscribed!!
    Thankyou for leaving me a message. Looking forward to see how u do xx
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