It’s been a long month for me. I’ve had some ups and downs with job applications (mainly downs) but have enjoyed going to various sporting events such as England v Scotland at Twickenham.

The best thing about the rugby game was it didn’t cost me a penny as my company paid. I can’t think of a better way to save money and have fun!

Debt

The end of the month is approaching and I’m actually looking forward to getting my paycheck and paying off more of my debt. I should be able to pay £2000 this month which will bring my credit card debt down to £2800. It is becoming addictive and is very satisfying. I’m taking control of my life away from the banks.

That figure of £2800, in my head, is monumental. It seems insignificant, almost like the end is in sight. I’ve been focused for the past two months where I have cut my spending and controlled my behaviour. It feels good. I’m wondering why I didn’t do it sooner.

I should remind you that I put all that debt onto my credit card onto a 0% interest offer. Previously this was on a loan at 7%.

Car

The feeling of taking control has led me to seriously consider selling my car. As it would remove the outstanding debt and give me more control of my outgoings I want to get rid of it. The feeling of taking control is overwhelmingly good. I would then only have the £5700 to pay to my landlord. That total is disputed and I am withholding it while there is a court case to decide if the costs are reasonably incurred.

Drawbacks

This month I really wanted to go skiing. However, I’ve spent a number of weekends at home playing PS4 and not moving a lot. It’s a sacrifice I’ve made for the cause of financial independence. I keep thinking, next year I’ll go and it will be using the money I will have saved and not a credit card. I will deserve to go on the trip and that is something I can look forward to.