£77,366.35 reasons to be debt free!

miemie

:DGlad you had a good week with the kiddies and well done on your lottery win.

In_my_dreams

Thank you

Have been very MSE this morning, needed some more eye make up and hair bobbles as the latter disappears, like the odd socks issue - realised I had £13 on my Boots card and so used that - so No spend today :j

savingholmes

isn't it great what we can find to celebrate here on mse - another blessing of the site

wantabetterlife

HI IMD, Hooray for the Boots advantage card!! I have to say that since i joined MSE it feels like i have entered a whole new world. I can remember in the early days reading posts where people were talking about Quidco, and thinking "what the h*ll is quidco!!". Now i am a complete fan and have to admit that i have become quite obesessive about clubcard points and cashback credit cards:rotfl::rotfl:. Anyway hope the debt busting is going well. It must be more difficult coming up to christmas. Everytime i do the groceries i try to get 1 or 2 presents, but the list is honestly never ending!

Have a nice weekend
WABL

badger247

Every October I take a week's holiday at home and spend the week seeing how much money I can raise to clear my outstanding credit card debt.

A few idea(especially if you have kids).......

Dig out all your old Baby bits and bobs - you would be amazed at what you can sell them for on Ebay...

CD's - load them all on to Itunes and sell them via Amazon - set up a seller account - type the cd barcode in and away you go! amazing some prices you get!

Car Boot Sale - I came back from my last one with £315!

Old and un used furniture - again use Free ads.

Old un used gold jewelry - broken ear rings etc - this raised £291 last week alone. Take them to an independent dealer/Gold shop - as the price of Gold is high - this can raise some real cash...

Just some random ideas that will help your challenge

Total from the last 2 weeks following the above £901!

An the year before was just over £1k!

badger

ps:you get a real kick out of making the money this way!

Turia

hi there IMD.

I just want to say that I have just read your thread from start to finish and am in awe!! :T

Well Done on
a) writing everything down here so honestly
b) making me realise i'm not alone!
c) helping me see even more clearly what more I need to do

Our mountain of debts is massive and on Credit Cards alone we have £55k plus 2 loans totalling £15k so in all a massive mountain of £70k debt!! After reading all of your posts I am now motivated enough to not only write here what our total debts are but i'm also going to add them to my signature too!! A constant reminder to me that they need sorting!

I was reading so many of your posts and relating 100% - the fact that we have "good jobs" and people think we're well off.. When in actual fact we were living beyond our means and taking all the loans the banks threw at us without a seconds thought as to whether we should or not.

more importantly i could relate 100% to OH.. mine seems to think he works so hard and earns so much and never spends.. that ofc its all my fault (even though my spending over the past year has been so minimal). He never and i mean NEVER will open one bill or letter that comes in. Refuses to look at statements and credit cards and when I nag at him for putting huge random unneeded purchases on cards which are so very nearly maxed out he argues that since I was "managing the accounts" why were they in such a mess?!?!
grrrr :mad:

anyway, not meaning to hijack your thread.. but for a couple of months now, through this site i've been taking small steps which have psychologically made me feel soooo much better - For starters I began the PPI reclaims on all his cards as he's self employed. Switched supermarkets and gone down a level Tesco to tesco value etc... Today I took a whopping amount off our home insurance and I need to get myself organised to sell stuff on ebay and part with my precious books

Anyway, I just wanted to say you're doing AMAZING!!!! Your writing style is so honest and down to earth its inspiring! Its great that you're keeping on top of your spending. I'd love to start a spending diary like the one you keep mentioning is there a thread I should check? Or how do you lay it out?

All the best - I know you'll do great and 5 years is not that long - our date is Feb 2014- if all goes to plan and we dont increase our credit cards debts!!!

Annie021063

Turia wrote: »

hi there IMD.

I just want to say that I have just read your thread from start to finish and am in awe!! :T

Well Done on
a) writing everything down here so honestly
b) making me realise i'm not alone!
c) helping me see even more clearly what more I need to do

Our mountain of debts is massive and on Credit Cards alone we have £55k plus 2 loans totalling £15k so in all a massive mountain of £70k debt!! After reading all of your posts I am now motivated enough to not only write here what our total debts are but i'm also going to add them to my signature too!! A constant reminder to me that they need sorting!

I was reading so many of your posts and relating 100% - the fact that we have "good jobs" and people think we're well off.. When in actual fact we were living beyond our means and taking all the loans the banks threw at us without a seconds thought as to whether we should or not.

more importantly i could relate 100% to OH.. mine seems to think he works so hard and earns so much and never spends.. that ofc its all my fault (even though my spending over the past year has been so minimal). He never and i mean NEVER will open one bill or letter that comes in. Refuses to look at statements and credit cards and when I nag at him for putting huge random unneeded purchases on cards which are so very nearly maxed out he argues that since I was "managing the accounts" why were they in such a mess?!?!
grrrr :mad:

anyway, not meaning to hijack your thread.. but for a couple of months now, through this site i've been taking small steps which have psychologically made me feel soooo much better - For starters I began the PPI reclaims on all his cards as he's self employed. Switched supermarkets and gone down a level Tesco to tesco value etc... Today I took a whopping amount off our home insurance and I need to get myself organised to sell stuff on ebay and part with my precious books

Anyway, I just wanted to say you're doing AMAZING!!!! Your writing style is so honest and down to earth its inspiring! Its great that you're keeping on top of your spending. I'd love to start a spending diary like the one you keep mentioning is there a thread I should check? Or how do you lay it out?

All the best - I know you'll do great and 5 years is not that long - our date is Feb 2014- if all goes to plan and we dont increase our credit cards debts!!!

Start your own thread now Turia, then others can support you, I will be subscribing to watch your progress. All the threads are a real inspiration others so please start one


Where are you IMD??????

savingholmes

Hi IMD

Turia - I agree it might help you to start your own diary. You can always copy and paste most of what you wrote above to start your own! Good luck - feel free to keep posting too!

In_my_dreams

I'm here!!!! :hello:

Kept meaning to reply and then with one thing and another only got on here tonight.

wantabetterlife - I haven't even started for xmas and as I am usually quite good I am pretty annoyed with myself and I really must do something about it. Lack of finances of course doesn't help!

badger - wish I had enough in the house to sell but sadly I have cleared the kids stuff and the loft etc, we shall have little left. The kids already scarper if they see me eyeing up anything they own :rotfl:

Turia - such a lovely post, I am really glad I have inspired you. It means that my horrendous journey is actually worth going through if it helps someone else. It is a horrible situation and it sounds like we are in a similar one. My OH just refuses to face up to it and doesn't calculate the cost of cars, MOTs etc and just thinks we have a bottomless pit. He is a lovely bloke but has resolved all responsibility for finances to me and therefore it is me who is in the mess.... You should definitely start your own diary and we can inspire each other. I always find it reassuring I am not the only one with this amount of debt, sometimes scares me! I bought some spending diaries from ebay and also there is an online one on www.spendingdiary.com. Every single thing goes on there and I print it off every week and scare the jeepers out of OH that in fact I spend all our money on kids, dogs and life and not keeping up with the latest fashion magazines :mad:

savingholmes - I'M HERE

Now I can update Terrible, terrible week and make the decision not to come on here and moan. I am so careful about what I put on here as I worry someone will "know" me in my real life and realise what a mess I have made. Wish I could write down the nightmare I have had with work but simply cannot. Looking at a situation, through no fault of my own, that I may have to leave work. Realistically I could sue them and win, as I have been advised, but I cannot afford to try it incase I lose. Also the area of work I am in, it would damage my reputation if I lost and would find it difficult to find other work. In essence, I had the nerve to refuse someone's advances.......nuff' said!

Sadly my answer to stress is to spend and money I should have put in the bank I used but I cannot change that, realised my mistake and will move on.

Finding positive notes so it's not all depressing, car flew through MOT after the tyre fiasco, Mr T's shopping £1.50 within budget :j and literally free weekend. Will do all the sums tomorrow and work out if still on budget but really trying not to stress. Also got 6 month 0% offers on three separate CC's just as three others are running out so another 6 months to breath and pay off as much as possible.

Ramble, ramble, ramble.............

miemie

Hi IMD, really sorry that works not good at the moment, hope things get better for you, thinking of you and take care.