Getting Started Seriously

climbgirl

I can only second southerscouser's words - nobody here has a clue who you are and we're not here to judge you, just help. And believe me, there are people on this board who will be able to save you money where you just didn't think it possible!

You've got nothing to lose and everything to gain by posting an SOA - be brave, we're just here to help! You'll feel so much better for having done it, trust me

bazzaang

Just found a catalogue bill in my laptop case ony had one payment left to pay. Have set the payment up to come out on wednesday, when it does that will be one debt down :j

bazzaang

Well here the majority of what i owe, my wife is paying £50 a month towards a loan she took out with her ex years ago not sure what left on that, think its around £2200 know hey will a much lowere settlement figure, but alas dont have enough to do that, anyway

Overdraft : 894.64
HSBC Mastercard : 160
Capital One Card : 8950.98
Egg Card : 1866.63
Personal Loan : 22571.86
Catalogue : 119.59

Total : 34563.70


Hmmmm Looks rather scary like that......... but better than i thought

Loan will be paid by nov 2010 hope to have the rest cleared by then as well

Doing a full scale budget in december listing all spends and non spends :-)
So we'll see how things go

climbgirl

Good for you It is really scary seeing it all in black and white in front of you, but it's a great feeling to have a sense of control over it and to know that you're taking steps to do something about it. For me, the feeling of being out of control is the worst part. Once you sit down and put things in order, it helps you feel so much better.

That's great news about being able to pay off the catalogue debt on Wednesday - see, you're already starting to knock them off :j

You sound so much more positive than you did in your original post, I hope that starting to sort things has helped. Post your SOA when you're ready and people will go over it for you, get you even further down the track. I'd suggest putting it in a new thread, get people's attention again!

Good luck, and keep posting. It's nice to hear how people are going!