Massive debts

gargrave50

saltnvinegar wrote: »

Gar I beg to differ that it is something to be proud about!!!

You have reduced your debt mountain by 20% already! Heres to the next 20%!

SNV

Well that IS another way to look at it. There will be major celebrations when I reach the next 20%:j:j:j.

I might make that next 20% up with lots of little goals in between

bluebag

gargrave50 wrote: »

Almost at the less than £20k mark - check out my signature!

And whilst the responsible person inside me realises this is still nothing to boast about, I am still a little bit happy

Whay Hay! Amazing! Keep going!:T

regards bb

Verbatim

All going well gargrave. Well done on keeping up the energy levels!

gargrave50

Thanks all!

Waiting patiently for the postman...............

maidofrohan

Well done!! That's brilliant!

gargrave50

Just junk mail today (and yes in a way that makes me sad:rotfl::rotfl::rotfl::rotfl:). What a turnaround from when I would hide behind the couch dreading the footsteps of the postman:o

gargrave50

Nothing to report today except a pair of very sore feet after a busy day on labour ward

gargrave50

Ditto yesterday but with sorer feet! No hounding letters or phone calls to my knowledge

nat21luv

ive just ben reading alllll the posts and i have to say....well done!! im personally not in any debt (i dont have a high credit score because i HAVENT got credit) but my partner has 32k, not including his flat we rent out. because we're a family it's bringing us down and it's very hard to get out of. we worked out it would take roughly 10 years to get rid of it carrying on as we are now but hopefully when the housing market picks up we'll sell his flat and possibly break even(he remortgaged and added 20k on to his mortgage) but in the mean time we're paying for it. ive been unhappy for a few months now, i HATE debt with a passion so being with someone with debt and bad spending habits is quite hard. ive worked really hard all my life to get where i am and being with my partner feels like im taking a step back....but after reading your posts you've made me realise that it can be done and we can be debt free so thank you very much! i hope you persist to pay off the rest, the feeling on being debt free is amazing!

nat xx

gargrave50

nat21luv wrote: »

ive just ben reading alllll the posts and i have to say....well done!! im personally not in any debt (i dont have a high credit score because i HAVENT got credit) but my partner has 32k, not including his flat we rent out. because we're a family it's bringing us down and it's very hard to get out of. we worked out it would take roughly 10 years to get rid of it carrying on as we are now but hopefully when the housing market picks up we'll sell his flat and possibly break even(he remortgaged and added 20k on to his mortgage) but in the mean time we're paying for it. ive been unhappy for a few months now, i HATE debt with a passion so being with someone with debt and bad spending habits is quite hard. ive worked really hard all my life to get where i am and being with my partner feels like im taking a step back....but after reading your posts you've made me realise that it can be done and we can be debt free so thank you very much! i hope you persist to pay off the rest, the feeling on being debt free is amazing!

nat xx

Thanks Nat,

Really appreciate your encouragement! Our debt was a result of joint overspending and generally living outwith our means. A pattern we will not be repeating when we eventually become debt free.:cool:

Keep your chin up and remember why you are a family. Debt will go, and it is a struggle (but character building I keep telling myself!:rotfl::rotfl::rotfl::rotfl:)