Get out of debt in 18months....

PARIS_5000

Why do you owe vodafone 820 pounds

costaerer

ran up a huge bill of lke 400 calling abroad and mobile internet gambling,next months was like 200 then they added on ending the contract charges plus debt collectors charges

costaerer

hmmmmmm...ive managed to have a NSD today...because OH is working and ive been home all day. actually, i lie,i paid 2.57 off my credit card to make my balance zero!!! such a good feeling :-)

well ive spent most of my dad fretting we wont have enough money, come sept when OH starts uni :-S

hes going to be doing radiography which is a very intense full time course, with only 7 weeks holidays a year, and my OH works 30hrs pw!!! i think its going to be impossible. we cant really afford for him to stop working if we want to be debt free. oh well...will have to see what september brings

Lemon_Tree

well done for clearing your CC lovely feeling isn't it!
I've not had a NSD yet this month, heaven only know's what's going on i usually have them all the time.

costaerer

argh, whys my payment from friday to my CC not cleared yet :mad: i paid cash. so annoying. i want to see my balance ZERO.

today, must make sure OH calls student finance to check the situation on his loans/grants. go and get my car washed. write some letters and send token payments to direct legal so they stop annoying me. and maybe call lloyds tsb back....they very randomly called me yesterday!!?? not had a call from em in weeks :j

costaerer

have NOT had a good day
spent 40 food and household shopping, fiver on wii game reduced for OH, tenner getting my car cleaned (dont shout!!), tenner on lunch with OH(this is not a regular occurance...)
on a positive note paid 100of oh cc for the hotel in reading that i booked on Sat...

hmm...

Lemon_Tree

things can only go upwards, and you won't hear us shouting (much) about paying to get your car cleaned, you obviously feel guilty so know you should have done it but even the best of us cave at times.
But well done for paying 100 off a CC it will all add up in the end.

costaerer

had another bad day today well it wasnt terrible but.....
took my friend and her fiance whos from abroad on a picknick to st annes(near blackpool) and spent 17 quid on lunch, 3 quid on cigs for OH and 1.75 on fudge for my 90yr old grandfather

been thinking...not sure if it sbetter to pay off cc's or o/d first? if im on dmp with cccs and 1k od is included, can i make my own payments direct to bank??? 200 per month for example??? i also have a loan on dmp thats the same bank as o/d....


i just want to be debt free.

feel a bit relieved today that OH uni course next yr is full time, but not 9-5 which means he can continue working at night 5-10 as hes been doing the past yr! im sure it will be a hard slog but well get there !!

costaerer

i keep spending money ...argh...its coz i feel rich because i have 1k in my bank from my tax back...this is why i nver have money, because its normally spent 3 times overr before the cheques even cleared...its like an addiction. as soon as i no i have money im looking for things to spend it on even though i dont need anything or not thought about it before ive got the money! pretty worrying and drives OH mental coz he never ever spends any money, only on essentials and bare minimums plus cigarettes :-S

costaerer

:rolleyes:
cant stop thinking and trying to decide what debt to pay off first

cant properly concentrate on it until i get back from my hols....