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  • FIRST POST
    • 12 month challenge
    • By 12 month challenge 27th Aug 15, 10:17 AM
    • 2,283Posts
    • 4,840Thanks
    12 month challenge
    My so called friend MR DEBT only has 36 months left to live
    • #1
    • 27th Aug 15, 10:17 AM
    My so called friend MR DEBT only has 36 months left to live 27th Aug 15 at 10:17 AM
    Hi all
    I feel I need to keep a diary to keep me on track to my goal. A little background info: Married for many years,2 grown up children(still at home, they've had it too good here)
    Lots of debt and nothing to show for it

    Anyway now I look forward not back.

    I hope I will find it easier if I write a diary and keep track of everything we do with our money. (or someone else's money if my CCs are anything to go by)

    I have been here before and totally fell off the debt busting wagon. Enough is enough now.

    Good luck all and me
    LBM August 2015 Credit Cards = £33,195.55
    Last edited by 12 month challenge; 03-08-2016 at 10:41 AM.
    EF#154 = £1,000
    SP 9 # 531 = £620 SP 10 # 531 = ?
    PDBX #2 = £15,651.01/£12,000
    Barclaycard 1 paid Barclaycard 2 paid MBNA £14,000/£8,978.99
Page 35
    • Bobarella
    • By Bobarella 18th Oct 16, 10:45 PM
    • 7,995 Posts
    • 51,292 Thanks
    Bobarella
    How irritating. Glad you are choosing to laugh it off.
    £790 to pay =70% repaid
    RR 2016 #2 December £0.66 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,230.57 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • 12 month challenge
    • By 12 month challenge 26th Oct 16, 12:16 PM
    • 2,283 Posts
    • 4,840 Thanks
    12 month challenge
    Skulking back in again

    Hi all

    Have been AWOL (again)

    How come I struggle to find time to update regularly. Must take this more seriously.

    Anyway have done yet another snowball, adjusting payments etc. as my DD is moving out and therefore I will lose her housekeeping money. I will be gaining in theory though as the amount of washing she makes and the amount of hot water she uses is like

    I will give myself some credit though, after doing a financial review I was pleasantly surprised as since starting my diary I have paid off £15,212.36 from my CCs

    I started at £33,195.55, Now sitting at £17,983.19
    Still a huge amount but at least its coming down.

    Have been feeling a little overwhelmed by it all again recently. Just wishing it would all go away but will keep plodding. I will be doing another weekly budget today and will be opening my sealed pot in the next couple of days to see how much I have managed to squirrel away for I already have some presents bought and paid for out of my own pennies so a bonus there too. I will be buying a new £1 tin ASAP ready to start again. Just adding small bits and bobs soon builds up as my tin feels quite heavy now.

    Onwards and Upwards, ready to tackle another 12 month challenge

    x
    EF#154 = £1,000
    SP 9 # 531 = £620 SP 10 # 531 = ?
    PDBX #2 = £15,651.01/£12,000
    Barclaycard 1 paid Barclaycard 2 paid MBNA £14,000/£8,978.99
    • Bobarella
    • By Bobarella 26th Oct 16, 11:12 PM
    • 7,995 Posts
    • 51,292 Thanks
    Bobarella
    You have done so so well 12 month it is hard now because you are in the middle of the process and the middle is never exciting. You have left the initial excitement of dealing with your debt far away and the finishing line is not yet in sight. Every penny you pay off is a massive step towards a better future. You have got this!!
    £790 to pay =70% repaid
    RR 2016 #2 December £0.66 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,230.57 2015 £1027.20
    NST December
    PAYDBX #7 £1910.53/£2,700 (70%)
    • Purplemumof2
    • By Purplemumof2 27th Oct 16, 6:44 AM
    • 3,928 Posts
    • 11,538 Thanks
    Purplemumof2
    That's a fantastic amount to pay off in a year, you put me to shame

    The finish line is certainly in sight.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £8850.00 Overdraft: £2750.00

    15 NSD - 8/15, 10 LSD - 3/10, 15 AFD - 1/15, Lunches to work 9/20

    20p Savers 2016 £2 Savers 2016 50p Savers 2016 SPC 9 2016 #003
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