Single and in debt.

dalleDF

I am also single and in debt. I ran up something like £10k supporting myself (and being careless with money along the way) over the course of 3 years of university in central London. I am now 24 and down to £7.5k and I feel like the end is in sight, which is a wonderful feeling after being so depressed and wondering how I could ever get myself out of this hole.
I have been lurking on MSE for a while and after taking on board lots of sensible advice I was able to build my credit rating back up slowly, enough to get approved for 2 new credit cards with 0% balance transfer deals so now all my credit card debt is interest free, and I am really starting to see it shrink as all my spare cash goes towards paying it down. Psychologically this has given me a real boost, and yes, even a sense of hope that I can get through this!
Meanwhile I am trying to save money and earn more, taking all the freelance work I can and managed to negotiate a pay rise (thankfully before the credit crunch really took hold). Unfortunately now redundancy is looming but I am trying to stay focused with the job search and hope to find something better paid so I can get rid of the rest of this debt as fast as possible. At the moment it is eating up over a third of my pay packet. My aim is to be debt free in 12 months - I will be a rich woman!
Anyway, I just want to say thanks to everyone on here for giving me hope when I've been feeling alone and miserable because of this burden, thanks to Martin, and to all the others struggling with debt - it is possible to get out of it. Slow and steady wins the race! I think the key thing is really taking back control. If you know you are taking action, however small, to reduce your debt and improve your situation, that is empowering. Good luck to everyone!

Ossireo

SBC you need to give me quoting lessons :A and I think out of anyone its you monkeyintrouble that is being a bit aggressive and argumentative, SBC is actually being very rational and thoughtful in his posts. I've always seen Sarahs thread for chatting amongst like minded people and sharing our journey whether it be love, money or anything else that springs to mind (and on occasions soapboxes are allowed) I am sorry monkeyintrouble if your misreading of my post upset you as I have mentioned before it was not intended that way, and I was hurt by your bite at me following your misunderstanding.

Yargo I have seen that program once or twice, I cant imagine having cameras in my house 24/7 :eek: I hope you enjoyed the KFC, I use to indulge back in the working days but it got a little less appealing after my trip to US a good few years ago .. over there it is just so much nicer, crisper, less greasy ... mmmm :drool: certainly makes it easier to abstain

How did the weigh ins go this week? 1/2lb here, need to take a leaf out of Yargos book. Walking to town tomorrow and probably back again so that's a start on the exercise

Anyway big apology for hogging the thread for a bit and peace to all

Ossireo

Welcome Hannah :hello:

runmichellerun

hannah2010 wrote: »

I am also single and in debt. I ran up something like £10k supporting myself (and being careless with money along the way) over the course of 3 years of university in central London. I am now 24 and down to £7.5k and I feel like the end is in sight, which is a wonderful feeling after being so depressed and wondering how I could ever get myself out of this hole.
I have been lurking on MSE for a while and after taking on board lots of sensible advice I was able to build my credit rating back up slowly, enough to get approved for 2 new credit cards with 0% balance transfer deals so now all my credit card debt is interest free, and I am really starting to see it shrink as all my spare cash goes towards paying it down. Psychologically this has given me a real boost, and yes, even a sense of hope that I can get through this!
Meanwhile I am trying to save money and earn more, taking all the freelance work I can and managed to negotiate a pay rise (thankfully before the credit crunch really took hold). Unfortunately now redundancy is looming but I am trying to stay focused with the job search and hope to find something better paid so I can get rid of the rest of this debt as fast as possible. At the moment it is eating up over a third of my pay packet. My aim is to be debt free in 12 months - I will be a rich woman!
Anyway, I just want to say thanks to everyone on here for giving me hope when I've been feeling alone and miserable because of this burden, thanks to Martin, and to all the others struggling with debt - it is possible to get out of it. Slow and steady wins the race! I think the key thing is really taking back control. If you know you are taking action, however small, to reduce your debt and improve your situation, that is empowering. Good luck to everyone!

Well you certainly seem on the path to debt-freedom (is that a word?) I would be incredibly rich if I had no debt at all too. Only another £6 million to go (or so it seems) :rolleyes:

SunderlandBlackCat

monkeyintrouble wrote: »

Quote; I applaud you for wanting to defend your ex from an insult but there was no insult to her & you overreacted & thats why you should apologise.

If you cant see my point after what I said then I suggest you just keep out of it altogether. I said I dont want to argue. I've made my point and as you seem so keen on repeating yourself, here's my little go....I dont owe anybody an apology! Why dont you go and find a forum on busybodies.com or something similar. This site is for people who are in financial trouble and not a soap box in the park.I've explained my point of view, wished the OP well and requested we act like adults and not argue. YOU are just fuelling the fire.

END OF!!!!!!

You asked me a direct question, when people do that I generally respond. I responded to your question calmly & logically.

I apologise if I misunderstood & you didn't want me to respond.

I've been posting on this site for quite a while now, am fully aware of what it's here for & won't be going away any time soon. I don't expect you to go away either.

If you don't want to view my posts there's an option in the bottom left corner of your User Profile called Buddy / Ignore Lists . Adding my name to that list will block all of my posts from your view. There is a small flaw in that if someone quotes me you will still see those but nothing is perfect.

Best of luck on your DebtFree journey.

I won't be responding to you again.

SunderlandBlackCat

Welcome Hannah :hello:

SunderlandBlackCat

Ossireo wrote: »

SBC you need to give me quoting lessons

Sent you a pm. Trying to explain it on the main board resulted in actual quotes but it seemed to work better on a pm.

Let me know if makes any sense

beanielou

SBC~If I clear my PM's can you send me the quoting info as well?Ta,
Welcome hannah.

sarahb123_3

Lula-Hula wrote: »

Sarahb - 5 mins walk away :eek: you naughty girl That's how far away my local one is & although it's not huge there's always loads going on there & they will also order any books in that you want to read but they dont have. Also , once you've joined you can use your card to get books from any library in the county - 6 books at a time I believe & for up to 6 weeks at a time.

Also ... I always think that if there is a man out there for me then the chances are he will be an avid reader so he may well be waiting for me at the library Our local one also doubles up as a community resource centre so there are loads of other classes going on like yoga, language stuff, arts & craft & I'm sure I've seen a poster about a book club & ramblers association in there too :rolleyes: .

Dont forget - money saved on books is money available for bags / boots/ shoes/ etc :heartpuls :heartpuls :heartpuls .


Lula x

Ooh, never thought about meeting a man there.:D I will join, it's very lazy of me not too, I can see it from my window! Would be brilliant if they did Spanish or Italian classes there as well:D

And the money saved will go to a good home- the shoe shop. I have decided that needs must, I need to get a couple of lovely pairs of shoes for work, I always go for comfort as I am on my feet a lot, but I could meet someone at work and immediately put him off with my current lovely shoe boots:o So I have decided to go for painful but pretty. I think my current single status can be blamed firmly on sensible footwear. So really they will be an investment.;)

SunderlandBlackCat

beanielou wrote: »

SBC~If I clear my PM's can you send me the quoting info as well?Ta,

Bah, just went to forward it to you & it looks like it dropped into the same half quotes I was getting when I tried to explain it on the main site.

I need to think of another way of trying to explain it.