Time to Face the music lincs 2010 brand new diary

lincs1205

Ok, Well a bit about me i have only really started posting on mse in the last couple of months and i have received some fab advice thank you to everyone who has made suggestions. I have now finally paid all my credit cards off it is the first time since 2002 that i have not had a credit/store card and i am so proud of myself. However i do still have my black horse car balloon agreement i pay £269.69 per month, which finishes in october and i will have to pay a little under £5000 :eek::eek:.
I also have my natwest overdraft which i am paying £200 per month total is currently £1004 guestimate interest is around £25 per month. I will post a more upto date soa at some point today, my main aim this year is to pay overdraft off my march hopefully, save to pay my balloon payment in october and save for a deposit i would in an ideal world love to move out by the end of this year as i am 32 and still living at home, yes i'm one of those 30 somethings living with their parents:cool:.
I am quite fortunate in that with regards to my job it is relatively safe at the moment i am a nurse and i bring home roughly £1500 per month i say roughly cause it varies with regards to unsocial/weekend hours. I am going to try and pick some extra shifts up from next month. Anyway to anyone who has read and got this far thank-you any suggestions greatfully received. :j

lincs1205

Hi Everyone,
Hope you are all having a fab 2010 so far, i have now finished paying my overdraft off that was finished in march of this year so i kept to my deadline which i am really pleased about. I have now started saving properly am aiming for £800 at least per month.

I have decided i am going to pay my balloon payment off in october which will be £4532 then sell the car get something for a couple of thousand and then put any profits back into my savings.

I would really like to move out by the end of this year but realistically it is looking like this time next year, i also have a default on my credit file which has been there since october 2007 so that won,t help when it comes to applying for mortgages etc. anyway all for now:wave: