Another Debt Bites the Dust

Well, I am pleased to say that the frugality continues this week. Not only have I not spent anything, I have even chipped away at some of the debt.

 

I recently dabbled with the Cambridge Diet. When I came off it, I still had a week’s worth of food replacement sachets left. I can’t see myself clambering back on the wagon any time soon, so I put these on ebay.

 

 

 

Lo and behold, within two hours, someone had bought them at £35! I am so pleased with this, as they would only be going out of date in the cupboard otherwise and I probably would have thrown them away. Gotta love ebay!

So, I have paid off the outstanding balance on my La Redoute home shopping account, and it stands at £0.  I do love LaRedoute for their unusual styles, but it is ‘fast fashion’ and unfortunately the quality is lacking. While I am focussing on frugality I will be buying my clothes from charity shops or buying quality pieces much less often.

 

It is just too tempting to have access to buy-now-pay-later credit like this, so I wrote to La Redoute and asked them to close my account for good, while the willpower lasted.

Also, as I logged on (forgetting my password, as you do) and going through the rigmarole of resetting it, it occurred to me that I don’t need this extra hassle – it is a pain in the arse to have multiple cards/loans/debts hanging around – I have at least five such arrangements at the moment. One little missed payment and you risk incurring expensive charges.  I am not very organised at the best of times. Why add a personal admin burden to an already busy life?

So part of the plan is to simplify things back to how they used to be, simple and not stressful  – a bank account, and one credit card with a zero balance for emergencies.