Too scared to work out what I owe

moozie_2

Hello guys :wave:

Thought I'd do a little update today. Been a while but all is ticking along quite nicely and I still come back to this thread when the going gets tough!

Quite a few things have happened recently. Some great and some blooming awful but I am still chipping away at the debt and feeling determined to clear it all. I am not as obsessive as I used to be about internet banking and spreadsheets as I became shortly after I started - my OH is pleased to have me back in the evenings - but I still look at my balances and willing them to go down :rolleyes:

When I first came here, not only I didn't have a clue what and to whom I owed but the APRs were all over the place and my repayments were on DD and therefore forgotten. Today I paid off one more debt :j so now I am down to 4 creditors from 7 and although my minimum monthly repayments total £620, I seem to have paid on average £906 per month :j My salary went down by £100 per month so that's clearly not the reason for the overpayments. Seeing the light with your help, better planning and hard work all played a part.

I was thinking about what the future holds and it's more of the same:
* Ebay
* Amazon selling
* Mystery shopping
* Spending diary and planning
* Bulk buying/cooking for those tired/after work nights
* More time with family and friends and not fretting over the £XX not in the budget

Some new stuff too like....planning a wedding! OH and I set the date for next August and have been like smitten kittens ever since We were going to wait until I was debt free (OH is pretty much there with only a couple of loan repayments left and no OD/CC) but we lost a loved one recently and we both feel we need to live more in the here and now. So, watch out for all the planning of an MSE wedding

I hope I come across as positive as I feel - clearly there is life not only after debt but while in debt too

Take care and thanks for all the messages, promise to respond soon.

Moozie x

Emmzi

Moozie,

many many congratulations! That's wonderful news!

(and the money stuff is good too!)

**purpleprincess**

Awww!! Was just wondering where you'd been!!! Congratulations hun!!! xx

Queen.Bess

Wonderful news Moozie! You're quite right - don't let the debt control your life! Can't wait for you to start the 'Wedding: MSE style' thread to come up and I will have loads of ideas to share, as I am sure others will too!

snoozer

Hi Moozie,

Like purpleprincess I was wondering where you were and if you were alright. I'm sorry about your bereavement but think you are right to take stock and realise that you can't put life on hold, congrats on the wedding.

I heard of a couple who hired a village hall and all their friends contrbuted food to the reception, sound good to me.

elantan

ehy moozie just catching onto your thread ..don't know why ive missed it ..congrats on the good news and fantastic news on the debt going down wish i had the get up and go like you and so many others on here ..i just seem to be getting deaper and deaper into it ..

wanna-be-mortgage-free_2

Hi Moozie :hello:

Have just come across your thread. I just wanted to say that you have given me renewed hope. I can't believe how much progress you have made in such a short space of time.

Thank you for sharing with us and many many congratulations on your wedding.

All the best

wbmf

Snaggles

Hi Moozie, just read your thread from start to finish (no, no, it's okay, I didn't really need to clean the bathroom today ), and I'm amazed at how far you have come in such a short time. I'm so pleased for you that you are now in a position to get on with the rest of your life, secure in the knowledge that your finances are under control. Can't wait to read about your wedding plans! Hope you will be extremely happy together and have a wonderful debt free life! All the very best, Snaggles xx

jonimitchell

Congratulations! I liked the idea of the 'Wedding: MSE style' so will look out for that too!

gallygirl

Wow, what a star!!!!

And congratulations!!!!! Maybe we could all chip in to help out with cost of wedding - here's my contribution.......



Am looking forward to hen party already....:rotfl: