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    • affordmylife
    • By affordmylife 7th Apr 17, 3:34 PM
    • 1,192Posts
    • 3,521Thanks
    Once and for all
    • #1
    • 7th Apr 17, 3:34 PM
    Once and for all 7th Apr 17 at 3:34 PM
    Hi everyone

    I'm absolutely sick and tired of always being broke so I'm finally going to tackle my personal debt once and for all.

    I owe £4000 on a single credit card. At the beginning of the year it was £5,500 so I've made a good start. However I have had to recently drop my second job as I just couldn't cope so it will definitely be more diff to pay off so quickly now.

    I also pay £200 a month on a payment agreement for a kitchen we had fitted which started in January and runs for two years.

    My income is probably between £600 to £800 a month. I'm self employed so it's variable.

    Any tips or suggestions would be gratefully received. Many thanks xx
    £4,000 personal debt

    £500/£4,000 12.5% paid off. It's a start.
Page 2
    • Anoneemoose
    • By Anoneemoose 17th Apr 17, 2:58 PM
    • 1,873 Posts
    • 2,240 Thanks
    Just wondering - you say your husband pays for the renovations, but you are paying £200 a month (out of a small income) for a kitchen? That sort of contradicts itself.
    • affordmylife
    • By affordmylife 18th Apr 17, 4:11 PM
    • 1,192 Posts
    • 3,521 Thanks
    Yes good point. It's complicated.

    When I needed to change my car I couldn't get a loan as I'd only been in my current job a month. We were also in a rented house between house purchases. Husband used some of the renovations money for car I then pay the kitchen loan (which would have been my car loan). I hope that makes sense.
    £4,000 personal debt

    £500/£4,000 12.5% paid off. It's a start.
    • affordmylife
    • By affordmylife 19th Apr 17, 6:43 PM
    • 1,192 Posts
    • 3,521 Thanks
    Another good working day. No spends either. Tea for everyone out of the freezer.

    I have a premade moussaka out for tomorrow's tea after my sw weigh in.

    Looking forward to updating my figures at the end of the month x
    £4,000 personal debt

    £500/£4,000 12.5% paid off. It's a start.
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