12th October 2019

These posts were originally posted on the MoneySavingForums (a UK money management site), I am moving my journals across to WordPress to have them in chronological order. I’m not sure how much of other people’s words I’m allowed to copy across from one site to another, so in some sections I may summarise conversations.

In response to a suggestion using old receipts to guesstimate average shops/spends

I dont keep old receipts, but I reckon I can ballpark it and go from there

In response to a series of questions on several topics

I’ve answered some of these in previous posts, but I’ll go through this one thing at a time.

I repaid off my overdraft a few months ago – in August. I’ve locked it behind me for the time being but I reckon I could get it back if I needed to; I just didn’t want the temptation.

My Argos card 0% period ends next February but there’s less than £15 on that so that goes next month.

My red Santander card 0% periods ends in… March, I think? But I am on track to pay if off by New Year.

My black Santander card 0% period ends in 2021, and I hope to get it paid off by then, even with the laptop, but I’ll deal with the specifics of that in the New Year. I haven’t got a written plan for the black card yet. Once I’ve paid off the Argos card and red card it’ll free up the money, snowball style, and I can tackle the black card then. You’re right that I can reasonably expect to be accepted for a balance transfer card in 2021 though.

One thing I haven’t mentioned on this thread is that my income is 18k. That’s a relatively new figure, I got promoted in the last couple of months, before that I was earning 16k-ish, maybe 17k just about. A few months ago I was stressing about how low that is/was, but it’s the weirdest thing – as I get my spending habits under control, that figure gets more and more liveable. Who’d have thought?

Nonetheless, long term I do hope to increase my salary – but seeing as I was promoted literally two months ago it’s a bit cheeky to go for it again just yet. I know what I want to do within my organisation but there’s already people in those roles so there’s no room just yet. I’ve only applied to one job recently – that one I mentioned on 4th October my brother pointed out to me? The Civil Service FastStreams thing. I have applied but it looks pretty competitive.

I think you’re right when you say my debt isn’t that high, and my savings are starting to outpace my debt. One of the best things I’ve been getting from my personal journey is the gift of perspective. A year ago it all felt insurmountable. Six months ago it felt like it would take forever to clear up. Now I think I can it to a manageable place by the New Year, fate willing. My only remaining quibble is how to wriggle that new laptop into there.

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