My Debt Diary

James240

Many thanks D&DD :beer: i use a garage that is situated on Thornton Heath Pond, its just behind the Bus Garage. Used this garage now for nearly 10years (since i started driving :eek:) so i know them pretty well and they always give me a breakdown of all the work done on the car and costs.

Where abouts does ur friend take her car then?

D&DD

OOH so we're loocal then :rotfl:
I used to live in Norbury and know that garage well OH used it when we lived there,what a small world.
My mates one is on Stafford Road can't think of the name but she's a right tightwad so wouldn't pay over the odds :rotfl: Glad you're sorted cars are a pain when they start to play up.Can't do without ours cos of the boys so have to swallow the repair costs.We have a weird noise,neighbour thinks its a balljoint whatever the hell that is plus a leak and it needs a service (can you see me going pale..)Its been good though never had any work before in 10 years.

James240

D&DD wrote:

OOH so we're loocal then :rotfl:
I used to live in Norbury and know that garage well OH used it when we lived there,what a small world.
My mates one is on Stafford Road can't think of the name but she's a right tightwad so wouldn't pay over the odds :rotfl: Glad you're sorted cars are a pain when they start to play up.Can't do without ours cos of the boys so have to swallow the repair costs.We have a weird noise,neighbour thinks its a balljoint whatever the hell that is plus a leak and it needs a service (can you see me going pale..)Its been good though never had any work before in 10 years.

oooeerrrrr we are local arent we :rotfl: although i dont live in that area anymore though i travel down to to use that garage cos i know it wont rip me off, but know what u mean about the car ive had mine 7 years and apart from 2 blown gearboxes nothing else has actually gone wrong with it

djdymond

what a coincidence! i live in croydon myself and know exactly what you mean!

james, i started reading your posts YESTERDAY and have finally finished them all! youve done so well and come over some hard times so well done you!

all you gotta do is keep on going!!!

Helena
xxx

James240

many thanks djdymond hope u keep reading my diary cos ive got at least another 18 months to go clearing me debt unfortunatley :rolleyes: :rotfl:

Well after going round all day trying to get someone to MOT my car i couldnt find any one who would do it today :rolleyes:

Booked it in for tommorow now so ive had to take another days holiday :doh:

Plus im trying to get my head round this matched betting malarky as well and its making my head spin lol

Willsnarf1983

Doing well bud, long time since i read this, nice to see your nearly under that 5 figure number...keep it going!

Will

Verbatim

Evening james.

Glad to hear about your gambling winnings (I wouldn't dare!) and Quidco cash. Good idea to keep it in a savings account for car etc emergencies.

You're always so positive and energetic which is no doubt why you're doing so well paying off so much so quickly.:T

James240

Willsnarf :hello: hows it going mate long time no see :hello: hows ur debt going mate? and have u managed to get ur XBox 360 yet? Im trying to get under £10,000 by the end of this month :j

Hiya Verbatim :hello: must admit i try to feel upbeat and positive about how much ive payed off me debt but like everyone else i do get peed off and depressed over it though

If i didnt have this debt lingering round my neck i could be saving over £600 a month in a savings account :rolleyes: but ive spent the money so ive got to pay it back. But only got another 18 payments in total roughly to clear the debts but i would like to get it down quicker

Although had fantastic news today :j me car passed its MOT :j :j :j :j only needed some new wiper blades and a bulb that had blown while they were doing the test :rolleyes: so in total came to £62 :j :j :j :j

So when i get paid tommorow i can start making big overpayments on me loan again :j :j :beer:

PeachPickle

James240 wrote:

But only got another 18 payments in total roughly to clear the debts but i would like to get it down quicker

That's a really good way to look at it, seems really close

James240

PeachPickle wrote:

That's a really good way to look at it, seems really close

hiya PeachPickle :hello: thats the way im looking at it to keep me motivated still

Just adding up all the debt i had before i had my "proper" lightbulb moment in January of this year came to £15061.64 :eek:

By the end of this year im looking at having my debt just around the £8600 so i will have effectivly paid off nearly £6500 of my debt this year :j

If i had just trundled along at the pace i was, just paying normal monthly payments i would have only have paid off £2700 of my debt. :eek:

i really cant thank this site and its members enough for showing me the way to getting myself debt free :j :beer: