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Gulp - Have taken the plunge!
Comments
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Hi just had a look at your SOA, the spending diary is a most and seeing as you have some surplus have a look at the snowball calc
good luckPROUD TO BE DEALING WITH MY DEBT NERD #869
DFD 5/1/16Numpty,Not sure why but I'm crying
. Of all the peeps on this board you're the kindest & most supportive of all & I'm :mad: & 
for you all at the same time . Wish I was there to give you a big :grouphug: & emergency hobnobs
xx0 -
Thanks Numpty Monkey - will definitelykeep track on what we spend so that we can see where it's all going! Have also bought pocket sized pad for OH so no excuses for him either! (evil laugh)I've started so I'll finish (hopefully one day!):o
Virgin CC - [strike]£2210.66 (27/08/08)[/strike] £2074.60 (28/08/08)
Lloyds Loan (£10k) - [strike]£4877.54 (27/08/08)[/strike] £4708.98 (28/08/08)0 -
Good luck with the spending diary I have started one this month too, started yesterday as it was payday.
On my SOA I look like I have spare cash but I'll be blowed if I know where it goes lol..................I'm thinking it might be chocolate
Proud to be dealing with my debts - DFW No: 712
03/09/09 - DEBT FREE AT LAST
Racing Hypno to Save - £10/£50000 -
On my SOA I look like I have spare cash but I'll be blowed if I know where it goes lol..................I'm thinking it might be chocolate
Mmmmmm....chocolate....think that might be my downfall too! Good luck with the spending diary too and let's hope (read pray!) that it gives us the answers we're looking for (whatever they may be!):rolleyes:I've started so I'll finish (hopefully one day!):o
Virgin CC - [strike]£2210.66 (27/08/08)[/strike] £2074.60 (28/08/08)
Lloyds Loan (£10k) - [strike]£4877.54 (27/08/08)[/strike] £4708.98 (28/08/08)0 -
I echo the good luck with the spending diary, mine confirmed that chocolate was a daily item and wine an almost daily item!!Total debt at October 2008: £67,213.30
Total debt today: £0 - debt and mortgage free 29th November 2013 :T
Sealed Pot Challenge member 14
Save £12K in 2014 - £6,521.90/£6K member 138
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Oh no....not looking forward to the outcome of mine then!!!!!I've started so I'll finish (hopefully one day!):o
Virgin CC - [strike]£2210.66 (27/08/08)[/strike] £2074.60 (28/08/08)
Lloyds Loan (£10k) - [strike]£4877.54 (27/08/08)[/strike] £4708.98 (28/08/08)0 -
Hi Purpleems - was just having a wee lurk at your new diary and noticed on your SOA that you say you spend £10 a month on clothes, £0 on hair cuts, £0 on presents etc....this might be where your surplus is going without you realising! My spending diary has thrown up all sorts of things I never would have thought to include or had conveniently forgotten about!
Good luck with it - it's strangely addictive after a while!0 -
Hi there,
Just wanted to say that you have described my OH, he was in debt, it rubbed off on me and now I'm trying to get us out of this rut!
This website is brilliant - if I hadnt come on here I wouldnt have known anything about 0% balance transfer card (which are brill btw!) and by using these OH has managed to pay £1k in 6 months and he has a debt free date of 1 year
I would recommend looking at 0% balance transfer cards to stop any interest being charged to your current debts and like the others said - keep a diary its a real eye opener!
xxxXx0
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