Rocky Road to Debt Free Wedded Bliss!!

Moneytroubles_2

Hi Missymoo -

Thanks for reading and posting!

I am feeling pretty positive at the moment - The wedding was a very hard decision to make esp as it should have been this upcoming weekend, so at the moment i'm constantly thinking I should be collecting my dress, I should be doing this, and I should be doing that etc. Also I had prepared myself to be a Mrs and to know this time next week I will still be a miss is a little upsetting! but hey ho things happen for a reason, and I now realise what matters and thats getting into a debt free life so when I do get married and have a family we can enjoy it!

I've been at work today, only have a few more days before I'm on annual leave (original booked for honeymoon!) might do a car boot while im off! Payments have slowed down since the initial pay day so i'm feeling slightly frustrated, but I keep reminding myself that it is a slow process, I didn't get into debt over night and i'm not going to get out of it!

Hope everyone else is doing well X

september09

:j Hi!

Well done on the Very Catalogue you have got it down a fair way!! :T:T

Maybe you could ring around the banks/loan companies and ask them exactly what the policies are? Failing being able to overpay your idea of saving in a seperate account to settle early sounds like a good plan!

x

Happytogetdebtfree

PAYDAY party yaaaaaaaaaaaaaaaay carboots are great they can generate quite abit which is a nice surprise .... dont beat yourself up we cant all make payments everyday and the debt is going down i dont like to admit to my amount of debt because its HUGE but when me and jon had the lbm you can imagine as i said we cancelled wedding and married this year with our own cash, i still get angry at the amount i have but i cast myself back to when i had lbm and i cant believe what i have achieved and what i have changed and i often wondered how we coped but believe you me things start getting better still have another 2 years of working hard and spending excess on debt instead of excess on what ever we like but hey ho life is a lesson and this is a lesson il be passing on to my children and childrens children stay away from free cash its never freee you have to pay it back and they will bleed you dry good day speak soon xxx

Lemon_Tree

you're going great guns with the very catalogue, and every £1 or even less you pay on it daily is reducing the interest they're going to charge you.
I've got two loans with different companies, and neither accept over payments, so i've had to set up a savings account that i make my PAD's into so that i can pay it off in a lump sum. The current one i'm tackling should be paid off a year early fingers crossed.

Moneytroubles_2

Hi Lemon tree, thanks for posting! I'm on A/L at the end of this week so going to make a point of enquiring about these loans!

Not been very well since the weekend, been in alot a pain, went to the doctors today and it would seem I have quite a large abcess :-(

Just off to make a PAD to..... you guessed it... the very catalogue!

OH paid some money off the virgin cc today, not sure how much but assuming minimum payment, also tommorow I need to make a payment off the nationwide o/d

Just been reading a post from someone who became debt free today and got so excited! I can't wait for that to be me!!

Moneytroubles_2

Ok - so just checked my internet banking and slighty mad at OH he's been buying "music" off the interet for £2.54 a pop plus a debit card charge of £1.50 charge per purchase!!!

I swear to god sometimes I feel like i'm hitting my head against a brick wall! gonna give the PAD a miss today and settle with putting £2 in the £2 jar! *sighs*

Happytogetdebtfree

Hell have a word with him i'd of told him off there and then jeesh! Men eh xc

Moneytroubles_2

Morning all,

Well I haven't slept a wink last night, started my anti biotics today so hopefully my abscess will get better soon, luckily I have a day off today cos if he I hadnt I wouldn't have been going in.

So what can I do while I'm sat here, think i'm gonna check what surverys are on one poll - been doing it months and havent made it to £40 yet its so frustrating!

Also dare I say it.... Im going to write out a christmas list (3 pay days left!)

Thanks for reading X

Happytogetdebtfree

I havent even thought about it yet im too busy with coursework arggghhhhhh x

september09

Moneytroubles wrote: »

Ok - so just checked my internet banking and slighty mad at OH he's been buying "music" off the interet for £2.54 a pop plus a debit card charge of £1.50 charge per purchase!!!

I swear to god sometimes I feel like i'm hitting my head against a brick wall! gonna give the PAD a miss today and settle with putting £2 in the £2 jar! *sighs*

OMG thats horrendous! :eek: how do they justify that?! It be cheaper to buy a cd.

x