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  • FIRST POST
    • Makeachange
    • By Makeachange 8th Aug 17, 4:54 PM
    • 943Posts
    • 1,294Thanks
    Makeachange
    I feel the change, now make the change
    • #1
    • 8th Aug 17, 4:54 PM
    I feel the change, now make the change 8th Aug 17 at 4:54 PM
    My debt journey has been up and down....mainly up... (as in i make alot of debt!!!!) I am in my 20's and I am a recovering gambling addict! I decided that I wasn't going to focus on tackling my debts until the idea of "oh one more bet could win me money and change my life" was out of my head.

    Right now I am 9 months clean and I feel like when it comes to money my whole mindset is changing. I am glad that I have waited until now to focus on clearing debt because I think I could have fallen back into the gambling whole otherwise.

    Over the course of the last 9 months I have paid my minimum payments but not really looked at what it will take to clear the debt. I am a long time lurker of this forum and I am going to document my journey!

    I work part time whilst I study so i am always looking for extra ways to make money from my laptop! (Thats not gambling!!!) Ebay, surveys, etc etc!. I probably bring in my part time income again each month from online ventures My goal is to get debt free by the end of 2018

    I will come back with totals. I know that I have managed to pay off around £2k in the last 9 months with little effort so imagine what i could do if i put my mind to it

    MAC. x
    I WILL GET THERE.
Page 3
    • Makeachange
    • By Makeachange 3rd Sep 17, 8:54 AM
    • 943 Posts
    • 1,294 Thanks
    Makeachange
    I'm now 10 months and 2 days gamble free.... that lovely 1 year is close
    Got work today, doing some overtime to extend my shift but just thinking of those extra pennies come next payday that i can take off the debt!

    Got a good nights sleep last night for first time in ages so i feel like im coming out of my down patch, tho i have a doctors appointment anyway as i want to discuss my anxiety meds!
    I WILL GET THERE.
    • Makeachange
    • By Makeachange 7th Sep 17, 9:54 AM
    • 943 Posts
    • 1,294 Thanks
    Makeachange
    My total is going down again
    £8845.05

    I have reduced my overdraft by £50 this month, which has made me very proud!
    I WILL GET THERE.
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 7th Sep 17, 12:59 PM
    • 566 Posts
    • 2,191 Thanks
    wishingthemortgaheaway
    Great news. Keep going.
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • Makeachange
    • By Makeachange 17th Sep 17, 9:02 AM
    • 943 Posts
    • 1,294 Thanks
    Makeachange
    I've been a bit quiet as ive been down and had lots of family stuff going on. but my new total is £8743.46 and its payday next friday so ill be able to make some more dents.

    Im giving myself today and tomorrow to mope about a bit and get over my sulk then get back on track!
    I WILL GET THERE.
    • Makeachange
    • By Makeachange 12th Oct 17, 9:27 AM
    • 943 Posts
    • 1,294 Thanks
    Makeachange
    Ive been quiet as I have gone back to uni but still going hard with cracking the debts
    I WILL GET THERE.
    • Makeachange
    • By Makeachange 13th Oct 17, 11:52 AM
    • 943 Posts
    • 1,294 Thanks
    Makeachange
    Todays total is £8553.17. Id like to get it under £8k by xmas. I have alot of uni work and not much time to earn extra but will do my best
    I WILL GET THERE.
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 13th Oct 17, 12:37 PM
    • 566 Posts
    • 2,191 Thanks
    wishingthemortgaheaway
    Butnthat also means not. Ugh time to spend either. Good luck. Maybe work out a weekly amount, that may make it seem more manageable.
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • Makeachange
    • By Makeachange 31st Oct 17, 11:04 AM
    • 943 Posts
    • 1,294 Thanks
    Makeachange
    New amount is £8466.45, ive nearly paid off a £1k
    My mental health has been a bit low.
    Uni is going well tho
    I WILL GET THERE.
    • Makeachange
    • By Makeachange 10th Nov 17, 11:31 AM
    • 943 Posts
    • 1,294 Thanks
    Makeachange
    £8,330.26 is todays total.
    I keep cracking away at it, I know that every penny will help me in the long run.
    I have lots of uni coursework, but on the plus side im barely spending money so that helps.
    Looking forward to getting my lectures finished for the semester so i have more time to put effort into this
    Hope you are all well!
    I WILL GET THERE.
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