Missy's must get rid of this debt diary!!

missymoo81

Hmmm really dont seem to be getting anywhere fast on the paying off my debt front, I have only paid off £100 after all the interest!!! :mad:

will be upping my payments as of next month to £250 really want it to start coming down, think I will try the PAD thing even if its a few pence must all help.... feeling a bit rubbish about the bloomin interest grrrrrr :mad:

Shoe_Gal

missymoo81 wrote: »

Hmmm really dont seem to be getting anywhere fast on the paying off my debt front, I have only paid off £100 after all the interest!!! :mad:

will be upping my payments as of next month to £250 really want it to start coming down, think I will try the PAD thing even if its a few pence must all help.... feeling a bit rubbish about the bloomin interest grrrrrr :mad:

Know how you feel but remember - the debt is now going down every month, not up :rolleyes:

missymoo81

although have still managed to stay out of my overdraft

thanks shoegal feel rather pleased, was so hard though!!!

the darling buds of may just makes me want to be less superficial, and just be happy with my lot.....

missymoo81

that is very true shoe gal where would i be without you to keep me on the straight and narrow

missymoo81

I've been looking at growing your own veggie books. and they look ace, really need to focus on doing this, they're not at all expensive in amazon. I could get two for a tenner, I think I could get that out of my spending money for the month, not that I actually have spending money.... but ten pound on something I can use to future save me money instead of spending it on clothes... I am learning I think....

missymoo81

mind you could probably wait for christmas

Chrisblue1962

Hi Missymoo, hope you are well.

Idea...you could get some veg growing books...I think it's called Gardening ...hey what do I know? lol. ... have you tried going to a local charity shop? Ones by me always have loads of books going very cheap. I got a lovely box set of two gardening books from British Red Cross Shop for £2.50, or join your local library as theyre FREE.

missymoo81

yes i should, I keep meaning to, think that will be a job for this weekend.

gardening! you cheeky so and so, lol hope you are well chrisblue

edaniels1983

missymoo81 wrote: »

Right, I hope you dont mind me copying your idea Katy83, but here is my list of wants, these are things that I want now or in the near future, and I want to see how far these things are out of my reach.....

ok here goes

A fully paid off car
No debts
No overdraft
No huge commute to work
A lovely vegetable patch in the garden
To be a stone thinner
To have long nails that I dont bite
To be tanned
To have savings that are for a rainy day not specifically earmarked for something
To have a degree
To have a job I love

thats it for starters.....:rolleyes:

isnt a baby on the list???

edaniels1983

sorry for butting in like that lol

just read ya whole diary!! phew, 5 hours later......................lol

have you thought of getting a 0% credit card and transfering the balance of your loan~?? the no interest might help you pay it off quicker??

im no expert on this, just a idea in my head.....................