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Diary of a Poor Person aged 46 1/2

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  • GDB2222
    GDB2222 Posts: 26,265 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Forgive me if I ask the obvious, but is it possible to change some of the credit card debt to debt with a lower interest rate?

    How is the house sale going?
    No reliance should be placed on the above! Absolutely none, do you hear?
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    gb - house sale .... sloooooooowwwwwww :( but its the time of year... fingers crossed for january!

    cant move the credit.. we cant get credit.
    Highest Debt £581,000 Nov 08 and now owe nothing! yes really! I have learnt my lesson the hard way!
    :heart2:Ebay Challenge 2011 - Still supporting from afar!
    Long haulers supporters DFW #223
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    mrscmr wrote: »
    it went up 22k this year :( then down

    Why? You really need to look at this....
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    there was a real genuine reason... :) you have no idea how far we have come.
    Highest Debt £581,000 Nov 08 and now owe nothing! yes really! I have learnt my lesson the hard way!
    :heart2:Ebay Challenge 2011 - Still supporting from afar!
    Long haulers supporters DFW #223
  • too_much_debt
    too_much_debt Posts: 3,218 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    You have done brilliantly so far mrscmr, I'm sure the interest each month on the amount you owe is the killer in all this, I know it is for me, I haven't looked at the amount of interest I'm paying each month recently but on one card this month was £72 interest.

    I'm looking forward to the new Ebay Challenge starting as I'm definitely going to be listing loads.
    Sealed Pot Challenge #016
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    thanks TMD... have done 400 in the last week on ebay :)
    Highest Debt £581,000 Nov 08 and now owe nothing! yes really! I have learnt my lesson the hard way!
    :heart2:Ebay Challenge 2011 - Still supporting from afar!
    Long haulers supporters DFW #223
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    mrscmr wrote: »
    there was a real genuine reason... :) you have no idea how far we have come.

    I was just making the point - just to make you aware, that's all. Not to be mean...
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • too_much_debt
    too_much_debt Posts: 3,218 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    That is a good amount mrscmr, well done.

    I honestly can't wait for Xmas and New Year to be over so I can crack on, have some serious changes to think about and work out next year and want to be out of debt ASAP.
    Sealed Pot Challenge #016
  • mrscmr
    mrscmr Posts: 2,903 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    i know what you mean... hoping for big changes for us too and a better life for the family in 2011
    Highest Debt £581,000 Nov 08 and now owe nothing! yes really! I have learnt my lesson the hard way!
    :heart2:Ebay Challenge 2011 - Still supporting from afar!
    Long haulers supporters DFW #223
  • Happytogetdebtfree
    Happytogetdebtfree Posts: 6,798 Forumite
    well done mrs cmr i think we are all hoping for good things on 2011 so let the debt paying begin xxx
    I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.68
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