My snowball has been very slow in moving my debt balance and the big culprit is my Flexiloan account. Yes, I should have got rid of that along time ago but I hung onto it like a crutch and have paid the price for that. I helps me know how much I need in a fully funded Emergency Fund - at least £5k! And £6k ( my current Emergency Fund plus the additional £5k) would probably be idea for me.
My current debt balance is £6030.85, which means it is going to take me until at least March next year to clear my unsecured debt in full. And that is only if I am absolutely gazelle intense about paying it off. I am working on a zero balance budget - giving every penny a name and it is hard!
I have been listening to the Dave Ramsey Show on my laptop and I really do like his stance on Personal Finance. Listening to the show is good for me as it keeps all my goals to clear my debt in focus and is a great encouragement to continue with the slog.
Time to get gazelle intense about my finances again and be weird!