Hold on tight . . .we are in for a bumpy ride!!

louisewh123

Sorry i haven't been around but i have been working really hard to pay off this debt!

It has been mental the past couple on months speaking to creditors, debt managment people and my Mom ( ! ) trying to sort all this out. I wish I could have had the time to update you guys weekly but i haven't had time and have really got my head down with work.

I have managed to pay of BOTH of my credit cards mainly due to reclaiming back PPI of 2 loans my partner had. I didn't even know he had PPI or what it was lol but we got just over £1500 ponds back off the two loans. I am so beyond chuffed. With that and all the extra work I have been doing I have paid off just over £2200.

misselvis

congrats on the payments, you sound really focused on the paying off your debts. keep doing what you are you're doing, the light at the end is getting brighter

louisewh123

thanks misselvis

I am just so happy at the moment

I have another couple of loans and some credit card PPI to check out and se if i can claim it back (didnt want to put it all through in one go incase it didnt work! ) so that should me another chunk off.

I didnt have to pay councial tax this month and last so thats was an extra 127 a month to pay debt of with ( i was behind! ) so that was cool too!

louisewh123

having a good day today, just looking at what to start paying of next! Just working out the interest on stuff and I think the best will be the overdraft. Still paying interest on this and it is a bit shocking. Only paying just enough to cover the interest at the mo so need to start paying off big chunks of it.

Just putting through another PPI claim on one of the loans. The company i have used have been fab, if you have PPI ( or dont know if you have it like i didnt lol ) i would recommend checking ouy www.yourppi.co.uk !!

The other thing i have been red hot on at the mo is my cash back and surveys. I have been really clever with my cash back and done lots of no spends so that is starting to add up.

I am just so determined to pay of this debt no matter what. I am so sick of going without and working hard paying back money that has been wasted! If i can get all this paid of my life will just be so much easier and not have to work so hard!

chasing_my_tail

Can I ask what "cash back" is - or am I being stooopid?? Just started this money saving thing (as my debts will show!)

louisewh123

I buy things from cash back sites like quid co and top cash back, by shopping through these sites ( the affiliate links ) you get a percent or an amount of cash back each time! It's fab x

louisewh123

Haven't posted for AGES but here is a quick update :

Earning more, spending less! Total debt has come down from just over to £70,000 to £53,495 in the last 12 months!!!!

Sooooooooo happy I just had to share xx