Amy and Jon bite the bullet to get debt free.....

amyandjon

no a spirit reading shes a very very good told me id work in chest related medcine well before i even went to a respiratory ward told me loads of other stuff im hoping tonight she brings good news... ohs uncle died in new year very spiritual man hoping he will pay a visit... im nervous because last time she identified that me and jon were considering abreakup we werent but i kept throwing the ball in the court because i felt so angry for someone at 24 to have this debt which isnt his fault but i needed someone to be angry at now im fine we are so much better hehe... il let you know what she says maybe some lotto numbers hehe ..... xx

Bargainfinder_3

I haven't had the guts to look at the repayment terms on DH loan yet; when the cc are paid off I will face it then... just toooo tired of fighting at the moment. You're right amy, debt free journeys can be very boring at times!!

supersavershal

I have left our loan out of the equation for now too bargain, Im lucky that my mortgage is quite low so I just combine the two and think of it as equivalent to most peoples mortgage payment.
When we have paid off all the other debt and Oh is no longer paying csa in 2 yrs we can really look at it then and do something about it.
The debt free journey is boring, but coming on here helps, and in a funny way now the country is having a credit crunch it is becoming easier as everyone is watching the pennies, I used to feel embarassed that I wasnt spending like my colleagues but they are struggling now with high mortgages and interest rates so its easier to admit to being careful if that makes sense.

Bargainfinder_3

Makes total sense supershal (that's my abbreviation of your username sorreee!!:D) I feel the same way. No-one minds us pinching the pennies or opting for a free or cheaper night out, because we blame the credit crunch and prices going up etc. 100% with you on that one.

amyandjon

its all work work work work work to paythese damn debts hahaha...... if i didnt have a wedding to pay for id be quids in hahaha ....... sunny now i dont know if i should leave the washing out or bring it in im scared it may rain ??? grrrrrr im going out for a few hours thats all lol :P xxxx

Bargainfinder_3

oooh where I am I wouldnt risk it lol, but then I never hang washing outside, scared of bird poo from the blackbird that lives in our ivy, and the dog jumping up and pulling it down lol

amyandjon

well today i have done the ironing and put it all away yipeee.... how efficient i have got my books out to do my work for iv medications yipeee :P and oh sold a phone and got 450 for it woo hoo half a debt cleared with that :P now were talking hehe oooo and i got weighed this morning my work outs paying off 2 pounds down in 2 days :P now thats what im talking :P going to slimming world tomorrow i best get my award this week or il be pretty peeeeed :P hope eveyone else is well xx:o

amyandjon

hello, i thought id add to my diary hehe... so im feeling pretty fed up today of debt busting and not getting anywhere fast grrrr...i may feel better when my new account is up and running properly we get a 0% overdraft that matches the overdraft we have now so around 3000 that could balance transfer a credit card and we could close it ....... thats one thing to think about.... should get my payments from bank charges next week woo hoo..... that will be a nice little booster ......just need something to keep me going at times because well its gets so boring and easy to spend when we shouldnt.. oh made a good chunk on his phone so we will be paying a friend in full 170.... and putting the rest on a card... but one debt cleared..... part of me wants to takle the smaller numbers just so i can tick them off the oh wants to not pay as much intrest i dont know...... its all swishing round in my head lol !! ive got my snowballer all i want is a fast forward 6 months so i can see some progress hehe nevermind then :P tatty bye for now x

supersavershal

Just remember it took a long time to accumulate the debt so it takes time to pay it off.
Keep playing with the snowballer it inspires you, next week when you get your bank charges back your debt free date will be even closer and this will keep happening until your that close you trip over your debt free date.

amyandjon

well the bank charges wont help cos its straight into savings for the wedding but any intrest i make i will keep taking off and paying imn just fed up of late i wish i hadnt have had my lbm lol its too much diddling now in a year il be better lol :P once the wedding is here il be able to do some serious over paying part of me wishes i didnt have it to save for id rather be mor debt free but things happen for a reason dont they :P x