Attention newbies with debt! What is your 2006 New Year debt resolution?

[Deleted User]

I suspect there are a great many people who read this forum and who have debt problems but may feel unable to post a message here.

This thread is for YOU!

Everyone here either has a debt problem, has had a debt problem, works with debt problems - or like me - used to work with people with debt problems.

2006 is a new year and can be a new beginning for you in helping you resolve your debt problems.

Everyone here is friendly, sympathetic, empathetic and willing to help each other and YOU.

So come on. Don't be shy.

Make 2006 the start of turning your life around and banishing the demon of debt.

citygal

Great thread Deleted_User

....my New Year Debt resolution is to stick to a budget when I set myself one! I always say, ok this month I will spend such an amount and then I overspend! I also need to stop fantasizing that I will win a large amount of money that will clear all my debts :rolleyes: 2005 was a wake up call when I had a hard look at my finances , 2006 will be a year to remember when I see my debt decrease;)

selena_2

I have made it my new year's resolution to clear all of my debt.
I have been in debt ever since leaving university and a series of difficult circumstances and badly paid jobs thereafter made the situation worse.
I made it my new years resolution to clear all my remaining debts last year but (mainly because of a move) my debts were reduced but not cleared.
Hopefully this year I will say goodbye to the debt I have had all my adult life so far.

smokey112

We declared ourselves bankrupt last year as things where just getting on top of us and we where going nowhere fast. As last year fell away and the New year arrived we made the following resolutions

- stick to monthly food/petrol budget (with great ideas on OS board)
- cut back on alcohol and takeaways (we had been using alcohol as a crutch)
- try to save at least £150 per month as we have no savings whatsoever
- lose weight through proper eating and exercise

Bankruptcy was not the easy option but at the end of the day was the right way for us........the relief at midnight that 2005 had gone was immense

Ang
x

frosty

we are in alot of debt,so I have followed everyones advice and moved things around,reduced my shopping bill a lot and I am determined I will be debt free this year.

smartcat04

This year I hope to clear more of my debts. They are nearly all now on 0% cards. I'm also going to try and build some savings as well. Also going to stop buying things from ebay that I never use and stop using the excuse that I deserve a treat!

Judith

Lydia.42

Happy New Year everyone.....

About 2-3 weeks ago, my other half and i pulled our heads from the sand, to see a large debt mountain, that had not gone away :eek:

So this year we have resolved to do a budget, stick with it, and stop hiding from things.

At the moment, i am waiting for my contract mobile phone to be transferred to pay as you go (my contract runs out 17th Jan 2006 :j )

We are also waiting for some shuffled funds to clear on a credit card, so that we can shuffle the next chunk to a lower rate.

We hope to post our budget soon to get all you lovely people to spot where we can cut back further, but would like to have shuffled a few cards first to make it a bit easier.

Good luck everyone...... :grouphug:

Gonna_Do_It

Carry on working on clearing debts. Want to give up alcohol cos I hate wasting money on it and it makes me feel rubbish and want to stop spending money on stupid magazines that I am addicted to all just for the latest celebrity gossip, sill hey!

Gonna be a good one : )

madmalteaser

Finally facing up to the huge debt I've got myself in. So now it's time to start clearing it. As an aside, am trying to stop smoking in order to save myself a bit more cash... It's been 1 day so far though, so I won't get too excited yet.

[Deleted User]

You will all find lots of support here. There are no magic solutions - but a problem shared, especially here - is a problem more than halved. No question is too daft.

The only thing daft is not facing up to things.


Good luck for 2006.

Glittermonkey

I think 2006 will be a good year for me.

Im returning to work full time so hopefully will have some extra cash to throw at my credit cards.

I've already started changing things which is saving me money, still a few more things to organise so once i have i should have at least an extra £100 per month from these ( cancelling direct debits for things i dont need or use!)

Reduce my shopping bill and actually thinking about what im buying rather than throwing what i like into the trolley, paying for it all my credit card and then throwing half the stuff away because i dont eat it and it's gone out of date.

My first goal is to get my debt under 20K.

Good luck everyone,

GM X