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  • FIRST POST
    • Eleven_Eleven
    • By Eleven_Eleven 28th Oct 16, 11:10 PM
    • 7Posts
    • 37Thanks
    Eleven_Eleven
    Not so wishy thinking...
    • #1
    • 28th Oct 16, 11:10 PM
    Not so wishy thinking... 28th Oct 16 at 11:10 PM
    Hi all

    Long time lurker here facing up to my debts. I am 23 years old and managed to come out of uni fairly unscathed by debt then moved in with a partner and basically had to take out a loan and use credit cards and (fee free) overdraft just to survive as his income decreased to practically nothing. Not much support in the way of us getting out the hole and I was sinking further and further into the debt spiral. This summer, for a variety of reasons, I left and have been slowly getting myself back on my feet and making small dents here and there. Feeling ready now to tackle this full on and hopefully get all £11,868.65 of debt paid off by December 2017! Setting myself a lofty goal in order to stretch myself but think I can manage it. I have stripped my outgoings down to a bare minimum and will be able to overpay an extra £300-£400 per month on top of the payments I make already. As my sig shows I have made a small further dent since my LBM at the start of October. Looking to use this diary for support and loving looking through the forum and seeing loads of people who have managed to pay off thousands in debt Also looking to lose a few (weighty) pounds so will be using this diary to track weight loss too.

    Paying off £11k+ debt and losing 28lbs, hopefully not so wishy thinking!
    Last edited by Eleven_Eleven; 28-10-2016 at 11:14 PM.
    CC and Loan Debts: £11,674 £11,537 £10,358.74 £0

    Debt Free Date: 15/09/2017
Page 1
    • OrangeFairy
    • By OrangeFairy 29th Oct 16, 12:12 AM
    • 2,598 Posts
    • 8,973 Thanks
    OrangeFairy
    • #2
    • 29th Oct 16, 12:12 AM
    • #2
    • 29th Oct 16, 12:12 AM
    Hi Eleven,

    Happy new diary! I am sorry that circumstances has led you to this situation but I am sure you can overcome it.

    Will be following to cheer you on. I want to lose at least 28lbs too!

    OF x
    Orange Fairy
    House Deposit target = £25000 Saved = £12500
    Sales towards new tent = £80


    • Eleven_Eleven
    • By Eleven_Eleven 29th Oct 16, 12:15 AM
    • 7 Posts
    • 37 Thanks
    Eleven_Eleven
    • #3
    • 29th Oct 16, 12:15 AM
    • #3
    • 29th Oct 16, 12:15 AM
    Thank you so much Orange Fairy good luck with your weight loss x
    CC and Loan Debts: £11,674 £11,537 £10,358.74 £0

    Debt Free Date: 15/09/2017
    • Eleven_Eleven
    • By Eleven_Eleven 29th Oct 16, 10:32 AM
    • 7 Posts
    • 37 Thanks
    Eleven_Eleven
    • #4
    • 29th Oct 16, 10:32 AM
    • #4
    • 29th Oct 16, 10:32 AM
    Managed to pay another £137 off my loan so updated sig this morning Feeling so positive about getting all this cleared. Going to put some more things on 3bay today to hopefully get a cash boost.
    CC and Loan Debts: £11,674 £11,537 £10,358.74 £0

    Debt Free Date: 15/09/2017
    • Eleven_Eleven
    • By Eleven_Eleven 12th Dec 16, 11:36 AM
    • 7 Posts
    • 37 Thanks
    Eleven_Eleven
    • #5
    • 12th Dec 16, 11:36 AM
    • #5
    • 12th Dec 16, 11:36 AM
    Been a while since my last update! Have been really busy with work and moving and my uni course. Amazingly manifested a nearly £1000 windfall from HMRC so have managed to pay off my credit card and MacBook whilst also chipping away at my loan So close to my debt bein under £10k! Haven't lost any weight but eff it, it's Christmas...


    Updated sig to come!
    CC and Loan Debts: £11,674 £11,537 £10,358.74 £0

    Debt Free Date: 15/09/2017
    • beanielou
    • By beanielou 12th Dec 16, 7:56 PM
    • 48,560 Posts
    • 178,861 Thanks
    beanielou
    • #6
    • 12th Dec 16, 7:56 PM
    • #6
    • 12th Dec 16, 7:56 PM
    You are doing well
    Keep going
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Bobarella
    • By Bobarella 12th Dec 16, 10:08 PM
    • 10,454 Posts
    • 69,668 Thanks
    Bobarella
    • #7
    • 12th Dec 16, 10:08 PM
    • #7
    • 12th Dec 16, 10:08 PM
    Wow to the rebate! Nice work!
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • Eleven_Eleven
    • By Eleven_Eleven 13th Dec 16, 10:16 AM
    • 7 Posts
    • 37 Thanks
    Eleven_Eleven
    • #8
    • 13th Dec 16, 10:16 AM
    • #8
    • 13th Dec 16, 10:16 AM
    Thanks everyone
    CC and Loan Debts: £11,674 £11,537 £10,358.74 £0

    Debt Free Date: 15/09/2017
    • Eleven_Eleven
    • By Eleven_Eleven 15th Sep 17, 4:58 PM
    • 7 Posts
    • 37 Thanks
    Eleven_Eleven
    • #9
    • 15th Sep 17, 4:58 PM
    • #9
    • 15th Sep 17, 4:58 PM
    So the weight loss hasn't gone very well (I've gained a 1lb) but I'm so excited that having been paid today I am officially debt free! I can't believe I've managed to do this less than a year after my first post. Such great inspiration on here, next stop savings
    CC and Loan Debts: £11,674 £11,537 £10,358.74 £0

    Debt Free Date: 15/09/2017
    • bloomfield89
    • By bloomfield89 16th Sep 17, 7:58 AM
    • 14 Posts
    • 29 Thanks
    bloomfield89
    Congratulations!!
    Debt Free Wannabe from Sept 17! Starting balance £10787.91
    Debt paid off £448.25
    Balance now £10339.66
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