Fresh tax year fresh diary ( i cant locate my other one) :D

EB69

I wish I could do that over budget under budget thing - I know i will always spend whatever spare cash is around though! I have managed to wean myself off cards, I'm not sure I will ever wean myself off cash!

jwil

That's great that you can get rid of a lot by 2013 Happy, that's not too far away after all, go for it!

Happytogetdebtfree

Feels far enough but I managed to find an old diary of mine and I've come along way financially so if anything il appreciate the ride :-). It's just the actual doing like eb69 says it's giving up the cash one I throw 600+ extra on a card it's gone but if I didn't I would only be delaying the journey of debt freedomness :-) x how are you doing jwill with debt busting?? X

jwil

I'm not doing too bad thanks Happy, just reorganising things at the moment. Here's to a big debtbusting 2011!

I'm looking forward to re-reading my diary when I'm debt free, and hopefully it will encourage me never to get like this again!

I've set myself a challenge for paying off £14,000 next year, and have started a new challenge if you want to join me (https://forums.moneysavingexpert.com/discussion/2923958)

Happytogetdebtfree

Evening, so i have worked myself into a frenzy and on pay day i will be clearing a credit card and shutting it downit may seem extreme but 750 will be cleared, we were aiming to overpay by 600 but i think i can squeeze that extra bit out and thats that then i can close it down... i think if we can pay off as much of our credit as possible and reduce our available credit we may stand a better chance of getting better credit cards with lower intrest rates if that makes sense... our highest intrest rate is 30% the 750 is on a 27% credit card its the lowest balance and it means we can shut one down :eek: roll on pay day and money juggling lol xx

Woowoo

Woo hoo that's great news Happy, another one bites the dust

When's payday?

EB69

Good plan, short term pain for long term gain x

Happytogetdebtfree

well why would anybody with an inactive account want to go from 15.9 to 24.9 its not like i can use the card even if i wanted to grrr im on hold trying to play sob story sorted it now !! how bloody rude of them eh.. pay day 22nd im scared to pay that much off but as oh says if we dont we only wittle it away so better to just bite the bullet and say tatty bye to a horrible credit card ! xx

Happytogetdebtfree

Afternoon, i have been out for a nice walk with the dog and my feet and hands are frozen my god... anyway off to bed for a pre shift nap hoping i can clear the head of all this money filled stress it does not do anyone any favours ..... i often wonder if i should remove the signiture altogether and not be reminded of my debts but just pay cash onto it, im having one of them lifes to short moments i need rid of the debt to get a foot up in life i need a miracle answer i need to have it all in one pot we all get that and its life i know just felt like ranting about it .... xx

jwil

Hope you feel better today Happy.

It will be great to see the back of one credit card, so go for that!

With your siggie, if it is depressing you, get rid of it! I have mine there because it motivates me (as well as depressing me). You could always focus on one debt and see that going down, or just have your challenge figures on there.

You are doing really well though, so keep at it!