UNDER 3K ALERT UNDER 3K ALERT UNDER 3K ALERT
Yes I am under 3k and also down to one credit card, so until it is cleared everything is going onto my final card. It is really amazing that after two long years I am down to only one debt account. Once that 3k is gone all my debt will be new - it's not stuff I have been carry around for years and paying lots of interest on, my only interest now is to keep out of debt.
However if I don't sound too enthusiast about all of this, it's because I know that at the end of July I have a large tax bill due. According to my calculations, I should have to pay £1,927.24 to Her Majesties Revenue and Customs - I don't think I am incorrect in my figures. So in August I will have to add this to my debt total. But as I have already said this will be new debt not old, so I shouldn't feel so bad I guess.
I have revamped my budget again to include my tax payments, something I had been doing last year before I went on holiday but then stopped and used the monies to pay off my debt. Compared to most people my budget is tiny (really, really tiny) i.e. I don't have a car or a mortgage nor do I pay rent and I don't have to worry about food or any household bills (power, gas, etc.). Once I have cleared my last years tax bill and am all up to date on my current tax bills I will have to take another look at my budget and make some major decisions on what I want to do next with my life.
Also I am hoping to receive a cheque on Friday from the insurance company relating to my holiday in Turkey last month. So it will be great to clear that off my credit account.
I hope I never have to deal with long term debt again.