My Debt Diary

James240

kipper wrote:

how many times :rolleyes:


its a little k :rotfl: :rotfl:

whatever

Annie_Fanny

How much debt did you start out with James240 - what was your highest debt peak so to speak!

Well done on the £900 payments **gosh**. I think everyone is a bit poorly at the mo - me included with a nasty cold and I can relate to overspending on cold remedies and stuff, i.e. ice lollies!!

You can do it James!

James240

Annie_Fanny wrote:

How much debt did you start out with James240 - what was your highest debt peak so to speak!

Well done on the £900 payments **gosh**. I think everyone is a bit poorly at the mo - me included with a nasty cold and I can relate to overspending on cold remedies and stuff, i.e. ice lollies!!

You can do it James!

Well in all honesty my debt has always been around £13-14,000 for the last 6 and a half years.

It first started with me buying a new car at £12,000 the loan repayments were around £300 a month for 3 years and then i had a balloon payment of £3000 to pay at the end. Well the inevitable happened in that i could afford the payments but hardly had any money to go out with so i was using my credit cards.

Then at the end of the 3 years i put the ballon payment on my credit card with all the money i owed which was around £13,000 in total so i get another loan out to cover this amount, and i then stupidly started spending on my credit cards again hence the situation im in now

So im basically trying to dig myself out of the hole that i have got myself in

im trying my best and paying my dues, ive learnt my lesson the hard way and im going to get myself out of this mess

In_Search_Of_Me

Well done James! A real inspiration for those of us starting out so thank you and DO look after yourself...if you're ill you dont get t do any overtime so in the long run by manicly working you're doing yourself out of money IYKWIM? Better to pace yourself...echinacia is good if your immune system needs a boost!

savvy

Hey James you should get your mates to come to you!;)

Hope the cold has died down a bit, I've had one for the last 2 weeks and it wasn't nice at all!!!

James240

fishface-69 wrote:

Well done James! A real inspiration for those of us starting out so thank you and DO look after yourself...if you're ill you dont get t do any overtime so in the long run by manicly working you're doing yourself out of money IYKWIM? Better to pace yourself...echinacia is good if your immune system needs a boost!

Many thanks Fishface-69 will be on the look out for that in Boots tommorow cos my immune system could probably do with a boost after the flu/cold i had :beer:

Hiya Savvy :hello: Hope ur ok now hun and over your cold cos the one i had was absolutly horrible so know how u feel :kisses3:

James240

Verbatim wrote:

Has your mum moved? And did you take the pics of the house first?

/quote]


No shes not moved yet looks like it will be the last week of this month or the first week of June, will be taking the pics very shortly cos theres not much time left in all honesty which is a shame cos its the house i grew up in

James240

wooooooooooohhhhhhhooooooooooo!!!!

just checked my EGG Loan and my £900 over payment has come off :j i now only owe £7539.80 on my loan :j

savvy

James240 wrote:

Hiya Savvy :hello: Hope ur ok now hun and over your cold cos the one i had was absolutly horrible so know how u feel :kisses3:

...........

dottyanne

Hiya James

Read through your thread a little - congrats on the £900 overpayment - well done you :beer:

Also a comment on a little exert from one of your posts that read :-

im trying my best and paying my dues, ive learnt my lesson the hard way and im going to get myself out of this mess

I feel exactly the same way!! :T Although it has taken me a while to figure it out !!

Keep going the way you are and you'll be debt free in no time - well done mate!!

dottyanne xx