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Zofia's diary

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Zofia
Zofia Posts: 6 Forumite
in Debt free diaries
Resolution for 2010 is to shift a big chunk of my debt.

I have set myself a spending allowance (food, petrol etc..) of £200/mth which I've stuck to so far :).

I'm also in the process of stopping smoking which will be good for the purse (and body) once I'm off the patches :).

I'm also trying not to buy clothes as I have far too many - could do with wearing them out.

Unfortunately my debt will go up before it goes down as I have to pay off a massive vet bill over the next 2 mths, but after that I'm hoping I'll be back on track as pets are now insured. :)

Hoping to be debt-free by Oct 2012 according to my calculations if I'm a good girl. :o
Credit card 3486.05, O/D 1 £1527.66, O/D 2 £751.43, O/D 3 £686.61 - Jan 2010

Loan repayments finish Oct 2011 :D

Aim for 2010 - reduce debt (exc loan) from 6451.75 :o to 3929.09 :)

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  • Zofia
    Zofia Posts: 6 Forumite
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    Just figured out how to subscribe to threads...:o
    Credit card 3486.05, O/D 1 £1527.66, O/D 2 £751.43, O/D 3 £686.61 - Jan 2010

    Loan repayments finish Oct 2011 :D

    Aim for 2010 - reduce debt (exc loan) from 6451.75 :o to 3929.09 :)
  • louisewh123
    louisewh123 Posts: 207 Forumite
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    well done for setting yourself a goal, i am sure you will get there!
    [STRIKE]Debt 01.01.2010 = £70,000[/STRIKE] [STRIKE]Debt 01.02.2011 = £53,495 [/STRIKE] [STRIKE]Debt 05.05.2011 = £51,959 [/STRIKE]
    [STRIKE]Debt 01/08/2011 = £49,425 [/STRIKE]Debt 05/09/2011 = £45,610 :j
  • Zofia
    Zofia Posts: 6 Forumite
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    louisewh123 wrote: »
    well done for setting yourself a goal, i am sure you will get there!

    Thanks! I wish I'd realised sooner how much easier it is to get into debt than get out of it. And it's all rubbishy debt as well because I have nothing to show for it. :(
    Credit card 3486.05, O/D 1 £1527.66, O/D 2 £751.43, O/D 3 £686.61 - Jan 2010

    Loan repayments finish Oct 2011 :D

    Aim for 2010 - reduce debt (exc loan) from 6451.75 :o to 3929.09 :)
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    First Anniversary Combo Breaker
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    I'm sure I don't have much to show for my debt either!
    Welcome to diaryland and good luck with getting debt free!
    2019 fashion on a ration 0/66 coupons
  • Zofia
    Zofia Posts: 6 Forumite
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    Not doing so well I'm afraid. :(

    My debt has actually increased a bit. :(

    I have, however, managed to pay off HUGE vet bill so vet balance is now 0. :) Haven't been able to pay anything else off while this was outstanding.

    I'm having a meeting at work on Friday to discuss how much I could earn doing some scheduled overtime (I suspect it'll only be about £100/mth but it's better than a poke in the eye). I really want to increase credit card payments and I think the only way forward is to up my income.

    I'm desperate to get rid of that credit card asap.
    Credit card 3486.05, O/D 1 £1527.66, O/D 2 £751.43, O/D 3 £686.61 - Jan 2010

    Loan repayments finish Oct 2011 :D

    Aim for 2010 - reduce debt (exc loan) from 6451.75 :o to 3929.09 :)
  • Zofia
    Zofia Posts: 6 Forumite
    edited 1 March 2010 at 2:20PM
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    :j

    Just rechecked my figures:

    Total debt (exc loan) is now £6125.66.

    So I've actually reduced my debt by £326.09!!
    Credit card 3486.05, O/D 1 £1527.66, O/D 2 £751.43, O/D 3 £686.61 - Jan 2010

    Loan repayments finish Oct 2011 :D

    Aim for 2010 - reduce debt (exc loan) from 6451.75 :o to 3929.09 :)
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