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  • FIRST POST
    • scottishbrummy
    • By scottishbrummy 3rd Oct 17, 11:42 AM
    • 42Posts
    • 99Thanks
    scottishbrummy
    Need to get a grip!
    • #1
    • 3rd Oct 17, 11:42 AM
    Need to get a grip! 3rd Oct 17 at 11:42 AM
    So, been on this site for a while now, but mostly lurked.
    I currently owe £5340ish through a mixture of overdraft, credit card and loan. It has come down in the last year and a half from £7750, but this has been mostly through loan repayments. I earn 23k a year so think I can chip away pretty steadily and am going to use this diary as a way to keep me on track 🤞
    LBM - 30/3/16 - Someone save me from myself!!
    Overdraft: 1800/1800 - Credit card: 1434/1450 - Loan: 2088/4500
    Grand Total: 5322/7750
Page 1
    • DebtFreeDuo
    • By DebtFreeDuo 3rd Oct 17, 1:46 PM
    • 219 Posts
    • 1,008 Thanks
    DebtFreeDuo
    • #2
    • 3rd Oct 17, 1:46 PM
    • #2
    • 3rd Oct 17, 1:46 PM
    Good luck with your debt free journey, I find checking in regularly helps to keep me focused. As I'm sure you have seen people are really helpful around here and will give you advice in any area you might want it.
    Debt 14/10/17/20/9/17 5395.16/5690.50 = Loan: 2065.32/2207.38 Car Loan: 2292.94/2419.64 0% CC: 1036.90/1063.48 DFD April 19 (Target Dec 18).
    Make up to £10 a day challenge: £110.51/£150..NSD October 12/15
    • Tea&Kittens
    • By Tea&Kittens 3rd Oct 17, 2:32 PM
    • 138 Posts
    • 488 Thanks
    Tea&Kittens
    • #3
    • 3rd Oct 17, 2:32 PM
    • #3
    • 3rd Oct 17, 2:32 PM
    Good luck on your journey Scottish! I've found people on here really helpful! I hope you do too!
    October: NSDs 6 / 17 NSDs in a row: 1 / 5
    I started my debtfree journey on 07 September 2017: Total: £20,521 £19847
    Barclaycard: £14659 £14435 Oct 2017 HSBC Credit Card : £3112 £3012 Oct 2017
    Overdraft: 350 £0 Oct2017 MBNA : 2400
    A journey of a thousand miles starts with a single step. I'm on my way!
    • NelliePie
    • By NelliePie 3rd Oct 17, 4:17 PM
    • 89 Posts
    • 295 Thanks
    NelliePie
    • #4
    • 3rd Oct 17, 4:17 PM
    • #4
    • 3rd Oct 17, 4:17 PM
    As I'm sure you'll have seen many people suggest previously, I'm going to suggest posting an SOA so the helpful members on here can maybe hint at where you could save more money etc. Is it possible to transfer the balances to a 0% card or similar? I'm sure there'll be someone more knowledgeable than myself along shortly but an SOA would help.

    Good luck on your journey
    When life gives you lemons, find the tequila!
    MFW: FTB June 2017 £144k. Target 128k June 2019
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