Debt used to feel like background noise in my life—always there, quietly stressful, and impossible to ignore. At my peak, I was juggling 15 different credit accounts with a total of £15,486 owed. Credit cards, store cards, buy-now-pay-later, overdrafts—you name it, I probably had it. For a long time, I didn’t really have a plan….
Category: finance
Debt pay off – 2 year plan!
I have started to trial undebt.it . It can sync to YNAB, though I don’t think all the features on undebt was this way (balances change but due date is still out standing etc). The above it all my debt except 3. I am going down the UE route on these. JD Williams for £1740…
The struggle goes on
It would appear that I don’t have enough money to cover all bills for January!!! Between now & 1st Janaury I have the following things going on: Xmas drinks Boxing day drinks OH’s birthday New Years event I have £60 in the bank and £38 in Paypal. I think I still need a little food…
Struggling
So I had a meltdown as at Christmas event on Sunday. I don’t know what really went on I don’t remember much of it. One min I’m having a great time the next I’m in tears and feeling all alone. I can’t face seeing the people I was with that day (other than OH) or…
My finances laid bare
What can I say about my finances, other than they can only improve from this point forward. I have a few different strategies for certain debts: statute-barred; repayment; DMP. I used to be in a Debt Management Plan and I even had a DRO at one point but I never learned my lesson so it…
When a bank job isn’t a bank job
Yesterday I had an interview for the local eye centre. I’m not looking for a new part-time job and don’t really need a 2nd job right now (other than increased debt payments) but I wanted a bank position where I could work as and when I liked and was local. I applied for the job…
Finances: Tools to help me budget + pay off debt…
YNAB YNAB is a budgeting app/software where you budget to zero each month, ‘every dollar has a job’. There are 4 basic rules that you should follow: Rule 1: Give Every Dollar A Job Rule 2: Embrace Your True Expenses Rule 3: Roll With The Punches Rule 4: Age Your Money For a fully detailed explaination check out YNAB…
September 2017 – Monthly Income Report
Income £101.56 – Expenses £33.48 = Profit £60.48 Adsense I have just started to place adsense ads onto this site and will be doing so soon on other sites. So far I have received no income from this. Still not getting traffic to my sites Affiliates I have yet to started working on my affliate…
Finance | Building a strategy to pay down debt
Create a Budget The first strategy to pay off debt fast is to create a budget. A budget tells you where your money NEEDS to go, you need to list all your income & outgoings for the month and make it balance. Your budget should take into account the following information: Your income Fixed Expenses…
How to pick the right gym
Have you ever joined a gym only to go a few times. Have you ever joined without really checking the gym out. If so you are not alone, many people including myself have done the same. Below are tips to check out before you join another gym Location When are you likely to workout? If…
