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    • Determined diva
    • By Determined diva 2nd Nov 12, 6:22 PM
    • 611Posts
    • 2,785Thanks
    Determined diva
    Determined diva's get outta debt diary!
    • #1
    • 2nd Nov 12, 6:22 PM
    Determined diva's get outta debt diary! 2nd Nov 12 at 6:22 PM
    Hi all

    So I thought I would start a diary since I have just joined this site to keep me on track and get rid of this debt once and for all!

    So here goes......

    Facts about me:

    . I have been in debt for 14 years ( up,down,up,down)
    . I recently got back into debt to help a family member who was about to get re possessed due to their irrational spendings over the years. ( they lost job so couldn't pay the debts back)
    . In 2012 I realised that although I love my family, I really needed to learn to put my foot down as my increasing debt was due to paying towards their mortgage And then having to borrow from short term pay day loans to be able to get by ( honestly I dont know what I was doing either!!)
    . I have a 2nd job to increase my income which I started in Jan 2012
    . I am absolutely determined to pay my debt off by dec 2013 and keep it that way - it is my pledge to all my DFW family!
    . My biggest challenge this year is realising I cannot go out as often or keep shopping using my bar work money ask need to pay my debt
    . I pledge to keep coming on here so I can keep focused and motivated!
    . My current debts total £10.9k
    . I earn +£30k
    . I have set myself up on some challenges to reach my dec 13 goal and also to remind myself of my determination
    . I am single - do not want my past to affect my future though!

    My dreams of what debt free lifestyle could look like:
    . Able to pop out for dinner with friends if I wish to
    . No sleepless nights
    . No dread on pay day on how much I am left with
    . No fear of the postman!
    . Savings!!
    . No panic of only having £3 in account but possible debts coming out
    . No worry of how I am going to pay for things if something breaks
    . Ability to treat myself to something I like once in a while
    . Affording that cocktail on the beach without worry of bills back home

    I hope you join me on my journey, I'm really excited to tackle this mountain of debt once and for all!

    Here I come debt free lifestyle!

    End oct 2012 debt - £11,586.61
    End nov 2012 debt - £10,116.97
    End dec 2012 debt - £9,672.97
    End jan 2013 debt - £9,342.97
    End feb 2013 debt: £9,292.97
    End mar 2013 debt: £9,242.97
    End apr 2013 debt: £9,192.97
    End may 2013 debt £9,586.97
    End June 2013 debt: £9,339.97
    End July 2013 debt: £9,092.97
    End August 2013 debt: £15,363.30

    End February 2014: £9,101.27
    End March 2014: £9,739 (£900 dental bill came out this month, most had to go on CC)

    End March 2017 - £15,668 (**roughly! Need to do a proper count up)

    Last edited by Determined diva; 02-04-2017 at 9:59 PM. Reason: Spelling mistakes and update of monthly tally
    Started again 25th December 2017
    Current tracking - £915.92/ £18,282.25 to pay off.
Page 11
    • Determined diva
    • By Determined diva 10th Mar 18, 2:02 PM
    • 611 Posts
    • 2,785 Thanks
    Determined diva
    This week has been super tough!!!

    I ran over a pot hole which caused my tyre to go, which meant I couldnt get to the hall to teach so lost around £50-£60 in earnings and then had to wait 3 hours for AA to come and pick me up. I had to have a long hard cry in the cold car whilst waiting for them. I cried because I hate being in this position of being broke and not being able to afford things. Constantly worried that I wont have enough money to pay my bills. Working so hard all month to basically pay the banks so much interest.

    I have got better at taking food into work and not buying alcohol in the week though. This week I spent £1.80 on a mini bottle when I got home after my car breaking down. I had a pre arranged night planned on Friday so that was £30 I had budgeted for.

    Will keep pushing to pay this debt off once and for all
    Started again 25th December 2017
    Current tracking - £915.92/ £18,282.25 to pay off.
    • Determined diva
    • By Determined diva 11th Mar 18, 5:41 PM
    • 611 Posts
    • 2,785 Thanks
    Determined diva
    Feeling super positive about the week ahead.

    I have written everything out and set my intention for the week out.
    My goals for next week are:
    1. Study
    2. Tube to zone 2 as much as possible
    3. Find £50 to pay off of my debt
    4.Not engaging with the w@nker at work. Keep my head down and just keep doing my thing
    5. All meals are cooked
    6. No alcohol Monday-Thursday
    7.Weight training and Boxing 4x during the week
    8. Daily meditation
    9. Record all of my calorie intake/burned - I have a 11lb's to lose!!!
    10. Stay positive

    Started again 25th December 2017
    Current tracking - £915.92/ £18,282.25 to pay off.
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