Debt Free in 2009 support thread

Broken_hearted

stacyl1977 wrote: »

How long has it taken you to pay off £18,000 slig? Well done :T

About three years with a few times of falling off the wagon. Hardly get any post know as the majority of creditors are gone

jmf76

No. 46 calling in...

Haven't been on this thread for ages, so well done everyone who's been debt-busting and don't worry those who won't do it by the end of the year, every little helps!!!

My £5k debt is now £2k - have been working really hard to get rid of the debt this year, hence not been on here much! Still feels like it's not gone down fast enough though... just want to get rid of it!

I'm hoping to stay on track to pay off by the end of the year, I think I will be there or thereabouts (depending on Xmas)

Well done again everyone and keep up the good work. :T:T

The_Dragon

jmf76 wrote: »

No. 46 calling in...

Haven't been on this thread for ages, so well done everyone who's been debt-busting and don't worry those who won't do it by the end of the year, every little helps!!!

My £5k debt is now £2k - have been working really hard to get rid of the debt this year, hence not been on here much! Still feels like it's not gone down fast enough though... just want to get rid of it!

I'm hoping to stay on track to pay off by the end of the year, I think I will be there or thereabouts (depending on Xmas)

Well done again everyone and keep up the good work. :T:T

Well done on clearing £3k :beer:, as you say every little helps and that is the attitude that I am taking as well - everytime I pay more than the bare minimum (which I always try and do) then the capital is getting chipped away at and there will eventually be more money in my pocket and none in theirs!

jmf76

The_Dragon wrote: »

Well done on clearing £3k :beer:, as you say every little helps and that is the attitude that I am taking as well - everytime I pay more than the bare minimum (which I always try and do) then the capital is getting chipped away at and there will eventually be more money in my pocket and none in theirs!

Totally agree Dragon, I've managed to do it by having 'make a payment every day' weeks (even if it's just 50p!) and/or pay more than the monthly minimum and sometimes that's just been rounding up to the nearest pound. It's surprisingly how it all adds up.. and as you say the best bit will be when we're debt-free and have the extra pennies to use on ourselves!

stacy

Hello, have just come back from a 2 week holiday, thought my account would be in a bad way but turns out its looking damn healthy lol well whilst i have been away i have paid off £238.57 thats the car and £4.68 off of virgin dd :mad: £40 interest to them :mad: off to update.....good to hear people are nearly/ or are debt free, hope i will be joining asap even though my debt free date is a few years away. :rolleyes:

The_Dragon

stacy wrote: »

Hello, have just come back from a 2 week holiday, thought my account would be in a bad way but turns out its looking damn healthy lol well whilst i have been away i have paid off £238.57 thats the car and £4.68 off of virgin dd :mad: £40 interest to them :mad: off to update.....good to hear people are nearly/ or are debt free, hope i will be joining asap even though my debt free date is a few years away. :rolleyes:

I hope you had a great time away and keep nibbling away at Virgin and you will get rid of them!

stacy

Hey Dragon, thanks i had a very nice 2weeks away indeed wish i could stay there. Yeah will just have to keep chucking what i can at it. when i got back from hol virgin have reduced my limit by £500 which is good because then i cant re spend it its just getting lower and staying that way!

stacy

Have some good news, i shredded the evil virgin credit card yesterday so there will definately be no more spending on it, just paying it off! seems like a small step but seems big to me because i was keeping hold of it "just incase" lol because there was £500 sitting there but they took that away and id have to be desperate to use/withdraw cash on a card that is at 24%. So see ya virgin and good riddance! :j

The_Dragon

stacy wrote: »

Have some good news, i shredded the evil virgin credit card yesterday so there will definately be no more spending on it, just paying it off! seems like a small step but seems big to me because i was keeping hold of it "just incase" lol because there was £500 sitting there but they took that away and id have to be desperate to use/withdraw cash on a card that is at 24%. So see ya virgin and good riddance! :j

Ooh well done you! and hail and farewell Virgin by the sounds of it! How long before you are finally shot of them do you reckon?

stacy

I am not too sure to be honest because my snowball always says that my debt goes up and not down which is weird because it is going down. But anywho i have a few things that need paying off soon so virgin will just have to wait a while now whilst i concentrate on finding money for the other things. :rolleyes: one day debt freedom will be mine lol