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 …

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finance

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 …

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finance life

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 …

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finance

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 …

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finance life

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 …

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finance

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 …

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