My Debt Diary

southernscouser

James240 wrote:

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

Well why don't you try by sending us each £100?

James240

southernscouser wrote:

Well why don't you try by sending us each £100?

trust you :rolleyes: :rotfl:

D&DD

Hi James thats great news about the car Ours was £163 :eek: but better than a new gearbox which we were thinking at first!! I am going to copy your idea I think and make myself (yet another ) chart with the number of payments left as it sounds soooooo much better :rotfl: Great idea! You are doing so well just keep it up or we'll all be hounding you

loubie_lou

Hi James

Nice to see you back after your hols! How was it? I'm still stuck around the £13k mark but it just seems to be getting bigger!! Oh well, glad to see its going well for you! £6500 thats a great achievement this year! Well done!

I have a job interview next week. Hopefully that'll go in my favour for once!! :mad:

James240

loubie_lou wrote:

Hi James

Nice to see you back after your hols! How was it? I'm still stuck around the £13k mark but it just seems to be getting bigger!! Oh well, glad to see its going well for you! £6500 thats a great achievement this year! Well done!

I have a job interview next week. Hopefully that'll go in my favour for once!! :mad:

awwww dont worry loubie u will be fine and u will be great in your job interview and get the job promise :grouphug: have u been overpaying on ur debt at all hun?

James240

D&DD wrote:

Hi James thats great news about the car Ours was £163 :eek: but better than a new gearbox which we were thinking at first!! I am going to copy your idea I think and make myself (yet another ) chart with the number of payments left as it sounds soooooo much better :rotfl: Great idea! You are doing so well just keep it up or we'll all be hounding you

hehe dont worry im the same got about 5 different excel spreadsheets dealing with with my debt and different calculations :rotfl:

and thats fantastic news about ur car as well cos gearboxes are vrey expensive and i should know cos ive blown 2 of them on my car :rolleyes:

as with the debt if u look at it in how many payments u have left it just doesnt seem that bad definitely made me feel better about it today

loubie_lou

I've been paying my payments on my loans but I have an overdraft and because I don't earn half as much to cover all my bills. I've been dipping into the overdraft to survive the past couple of months, so just going round in circles now really! Doh.................!

But if I get this job next week. I won't have to dip into it and I can start over paying on stuff! It'll be an xtra £60 quid a week!!!

James240

loubie_lou wrote:

I've been paying my payments on my loans but I have an overdraft and because I don't earn half as much to cover all my bills. I've been dipping into the overdraft to survive the past couple of months, so just going round in circles now really! Doh.................!

But if I get this job next week. I won't have to dip into it and I can start over paying on stuff! It'll be an xtra £60 quid a week!!!

thats fantastic news hun my fingers are crossed for u x especially if it means another £60 a week for u :beer:

James240

Got paid on friday :j so below is my list of incomings and out goings......

Paid £1125.37


Outgoings:

Rent: £0

Broadband: £0

Phone: £70 (estimate as ive not recieved bill through yet)

Travelcard: £30.80

Savings: £10

Credit Card: £106.40

Loan: £303.71

Overdraft £8.37

This leaves me £596.09 left for the rest of the month.

So far ive spent £5 on petrol, £10 on Mcdonalds, £20 going out on Friday night with workmates, and spent £37 today on grocery shopping.

So after all that lot is deducted i will have £524.09. Im going to leave myself £124 for the rest of the month and then overpay my loan with the £400 thats left :j

On the 15th of this month (cross fingers) i will be down to under £10,000 :j

Plus i have money coming from quidco and my winnings from playing blackjack which comes to £135 :j although im seriously thinking of putting this money into my savings account, although if i do, will feel a bit guilty as im not paying off my debt with it.........

Apart from that its business as usual, have a good sunday peeps :wave:

CAFCGirl

Hi James,

Havent posted to you before (I dont think :S) but just wanted to say congratulations on every achievement so far.

I personally think your will power and determination are outstanding and you deserve to be DF sooner rather than later.
Keep up all the good work, and well done on the amazing overpayment to your loan for the month. I wish I could manage that!

Good Luck and Best Wishes