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A fresh start
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1st of August and my debt today is £11,517.62.
That's an amazing £1,968.43 reduction from last month - mostly down to having paid of my Santander overdraft, thanks in part to a gift from my sister.
The big reductions will stop for a while now as I'm going to just pay my minimum payments while using any spare money to build up some credit in my current accounts for tax and other expenses.
It's not certain there will be any spare money anyway, as my salary is so tiny compared with my outgoings.
I'm getting lots of offers of freelance work, which is reassuring but all adding to my stress at the moment as I deal with tying up my mum's affairs, looking after my dad's, council business, and also negotiating possible separation from my partner. I'm not going to write more about that here as he does not like it aired in public (and reads this diary - Mr O'Aitch who has posted a couple of times is him). But anyway, it is all very stressful indeed.
But despite the difficult times, I am really happy about how my debt has been reducing this year. And it's August and I'm determined to have some kind of holiday with at least my two youngest children.Total debt: 1 January 2007 £[strike]49,387.79[/strike] 1 January 2012 £[STRIKE]19,312.85[/STRIKE] 1 August 2012 £11,517.620 -
As always, you know where I am xSuccessful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0
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You take care Sea. Lots to deal with xx5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
Currently CC £23,674.36 /£14,895.41/£14315.42
Mortgage £28,214.65/ £26,254.71/ £25,746.43
By end 2020 I want CC at £ 19,000.00.
By end 2021 I want CC at £10,000.000 -
Try to take care of you in the midst of everything else.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Good luck Sea, yours was one o fthe first diaries I ventured a look at.
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1240 -
Hi Seax
You know you have my support for whatever you need to do.
I just hope you also have some real support for you at this time, in your real life too.
Hugs mate. Sometimes everything comes to a head at once and you just have to work your way through to the peaceful place on the other side.
Good luck
chevI want a job that is less than an hour driving away from my house! Are you listening universe?
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good luck whatever you decide to do x0
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Just sending you my hugs too )))(((
DTxx0 -
thinking of you mate. Good luck with working through it all
chevI want a job that is less than an hour driving away from my house! Are you listening universe?
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Just wondering how you're doing? Hope everything is ok xx5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
Currently CC £23,674.36 /£14,895.41/£14315.42
Mortgage £28,214.65/ £26,254.71/ £25,746.43
By end 2020 I want CC at £ 19,000.00.
By end 2021 I want CC at £10,000.000
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