Debt Free but the journey continues

A question about : Debt Free but the journey continues

Hi All,

I have been feeling a bit lost since I paid off my debt in Autumn last year. I still have some debts as follows:

Student Loan Ј4260 (This comes directly out of my salary Ј134 per month)
Tesco CC Ј2400 (0% until Apr 2016)
MSC Fees Ј178 per month (until May 2015)
Next Ј154
Very Ј50 (0%)
Tax credit Overpayment Ј22 (until Sept 2015)

I have around Ј27,000 in my savings, I am not clearing these debts with my savings as most of them are 0%

I am trying to save monthly and I am keeping a budget but I don't seem to be saving or its miniscule like last month Ј4

I am still Ebaying as much as I can and when I can I work full-time, I have 3 children, my husband can't work due to illness and isn't entitled to benefits as its mean tested, we also don't get tax or child tax credits anymore.

I am fully responsible for our budget which is stressful. I don't feel like I belong on the savings board as they are all experts, I don't feel like I fit anywhere so I am making a home for my self here for now and I hope you don't mind.

I am saving to buy a property abroad - my dream is to buy a house we can let in France - having sold my home last year - we rent now and its great. I need to live frugally to enable this dream to happen and I have learned a lot from here including wombling which has earned me a great deal of Tesco Fuelsave points

I will be updating my diary when I can.

Nat

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