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  • FIRST POST
    • moomin82
    • By moomin82 14th Oct 16, 11:15 AM
    • 165Posts
    • 117Thanks
    moomin82
    Nearly debt free!
    • #1
    • 14th Oct 16, 11:15 AM
    Nearly debt free! 14th Oct 16 at 11:15 AM
    I've worked hard to pay off my credit card debts over the last few years. At the highest it was £12K. I now have just over £300 left to pay off on my last credit card and to clear my overdraft.
    There is light at the end of the tunnel, stick with it and use all the help you can here.
    I am slowly learning to avoid unhealthy spending patterns, especially when I am feeling down (I have suffered depression and anxiety), and focus on my long term goals.
    Feeling hopeful!
    Card 2: £763.77 £304.00. 2016 Mission 1: Clear credit card debt by Christmas 2016.
    Mission 2: Enrol on Yoga Teacher Training
    15/04/16 Card 1 Balance: £5,499 Paid off.
    Total Debt: £6840. Paid off one of my credit cards today - £687.01. 01.01.15: Total Debt: £10,199.34. 29.12.13: Total Debt: £12K
Page 1
    • sourcrates
    • By sourcrates 14th Oct 16, 11:21 AM
    • 9,873 Posts
    • 9,651 Thanks
    sourcrates
    • #2
    • 14th Oct 16, 11:21 AM
    • #2
    • 14th Oct 16, 11:21 AM
    Well done you !!!
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    • EssexHebridean
    • By EssexHebridean 14th Oct 16, 12:19 PM
    • 7,030 Posts
    • 37,587 Thanks
    EssexHebridean
    • #3
    • 14th Oct 16, 12:19 PM
    • #3
    • 14th Oct 16, 12:19 PM
    Good work! What a lovely post too!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£232.22
    • Keedie
    • By Keedie 14th Oct 16, 12:19 PM
    • 230 Posts
    • 992 Thanks
    Keedie
    • #4
    • 14th Oct 16, 12:19 PM
    • #4
    • 14th Oct 16, 12:19 PM
    Keep up the fight moomin82!

    I also suffer from depression and anxiety and know that this can cripple or undo debt free efforts . So to be at the very last hurdle it must be a big boost . Just take each day as it comes and you won't slip back.

    Don't forget to post on the Debt Free Roll of Honour when you pass the finish line...

    xx
    LBM 27/06/16 = £24,140.60 (7 creditors) BUT on 28/03/2017 = £13,726.41/£24,140.60 (5 creditors) = 56.86% repaid
    Aiming to be Debt Free = 31/12/2020
    • MrsSave
    • By MrsSave 14th Oct 16, 12:32 PM
    • 1,040 Posts
    • 3,206 Thanks
    MrsSave
    • #5
    • 14th Oct 16, 12:32 PM
    • #5
    • 14th Oct 16, 12:32 PM
    Well done!
    Emergency fund #16 £370/£1000 Other Savings £198
    Loan repayments: 16/60 Overpayment total: £25
    Check out my debt free diary 'A Pound Stretching Maternity' below:
    • Westie983
    • By Westie983 14th Oct 16, 1:36 PM
    • 3,513 Posts
    • 13,359 Thanks
    Westie983
    • #6
    • 14th Oct 16, 1:36 PM
    • #6
    • 14th Oct 16, 1:36 PM
    I've worked hard to pay off my credit card debts over the last few years. At the highest it was £12K. I now have just over £300 left to pay off on my last credit card and to clear my overdraft.
    There is light at the end of the tunnel, stick with it and use all the help you can here.
    I am slowly learning to avoid unhealthy spending patterns, especially when I am feeling down (I have suffered depression and anxiety), and focus on my long term goals.
    Feeling hopeful!
    Originally posted by moomin82
    The finishing line is in sight, well done you,

    Just a little bit further, you can do it

    Westie983
    Save 12k in 2017 #16 Total £7725/£12000 64.37%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£148/£500 = 80.00% ( x 10)
    Xmas 2017 £1 a Day #6 Total £100.00/£365 = 27.39%
    Virtual Sealed Pot #1 Total £450/£1000 = 45.00%
    £2 Savers Club 2017 #3 Total (£1450)+£50/£2000 = 75.00%
    Total £10175.00/£15865 = 64.13%


    I'm a Board Guide on Budgeting & Bank Accounts, Debt-Free Wannabe, Disability Money Matters, and Savings & Investments. I'm a volunteer helping the boards run smoothly, but I'm not a moderator, and do not read all posts. If you see an inappropriate/illegal post then email forumteam@moneysavingexpert.com
    • moomin82
    • By moomin82 15th Oct 16, 8:55 PM
    • 165 Posts
    • 117 Thanks
    moomin82
    • #7
    • 15th Oct 16, 8:55 PM
    Feeling sensible
    • #7
    • 15th Oct 16, 8:55 PM
    Thank you all.

    I have had friends, family and a boyfriend give up on supporting me through my worries. I do not give up on myself. I am pretty sure I can do this by Christmas. Hooray!
    Card 2: £763.77 £304.00. 2016 Mission 1: Clear credit card debt by Christmas 2016.
    Mission 2: Enrol on Yoga Teacher Training
    15/04/16 Card 1 Balance: £5,499 Paid off.
    Total Debt: £6840. Paid off one of my credit cards today - £687.01. 01.01.15: Total Debt: £10,199.34. 29.12.13: Total Debt: £12K
    • moomin82
    • By moomin82 15th Oct 16, 8:59 PM
    • 165 Posts
    • 117 Thanks
    moomin82
    • #8
    • 15th Oct 16, 8:59 PM
    • #8
    • 15th Oct 16, 8:59 PM
    Hi Keedie

    Thank you for your honest post. Depression and debt seem to go hand in hand, anxiety, and the rest of it. Mindless spending only helped me in the short term, I still fight my shopaholic tendencies. Hope you are well and keep going Yes, taking each day as it comes is a good way to think.
    Keep up the fight moomin82!

    I also suffer from depression and anxiety and know that this can cripple or undo debt free efforts . So to be at the very last hurdle it must be a big boost . Just take each day as it comes and you won't slip back.

    Don't forget to post on the Debt Free Roll of Honour when you pass the finish line...

    xx
    Originally posted by Keedie
    Card 2: £763.77 £304.00. 2016 Mission 1: Clear credit card debt by Christmas 2016.
    Mission 2: Enrol on Yoga Teacher Training
    15/04/16 Card 1 Balance: £5,499 Paid off.
    Total Debt: £6840. Paid off one of my credit cards today - £687.01. 01.01.15: Total Debt: £10,199.34. 29.12.13: Total Debt: £12K
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