It will be GONE !!!

Herewego

Polly_Wolly_Doodle wrote: »

Morning everyone,
Well done on getting rid of Lloyds, another one bites the dust!

No i don't have a diary, my numbers are frightening, between DH and i we owe £77,852.48 on cards, £214,320.02 on mortgage and there is a car loan of £150.89 per month, a loan of £402.33 per month and a secured loan of £416.41 per month.:eek::eek::eek::eek:

Lots of indecision at the moment, so comments welcome. We bought this house to do up and sell but with the market the way it is i don't know whether to keep spending on the house to get it ready to sell or pause it and put any extra money to the debts. If we put the debts first it will take a long time 2017 is what i work it out as. If we could sell the house, and who knows, that would clear the vast bulk of the debt....

Still reading your diary has made me put loads on ebay and really sit down and start to look at all this!:D

PWD xx

When I started out I had a DFD of March 2013, it quite amazing how the date changes if you really focus on clearing the debt.
It was the interest that was killing me at over £1000 a month i was paying over 50% straight to interest and not touching the balance, now i can really start to see things moving.
Start with clearing a small debt and it becomes addictive

Herewego

EB69 wrote: »

Have you done a SOA PWD? I was freaking out til I did that and received some great advice from other more savvy users on here...

I have everything in a spreadsheet and there is not one thing I havent looked at cancelled or changed.
I think it might be a tough year if I want to clear the rest of it but im going to give it my best shot If I start 2012 with less than 10k i know i have come a long way. Who knows what will happen in the next 12 months and when I look back the last 12 months wernt so bad even if things were tight.

Woowoo

Your right HWG, the last 12 months really haven't been so bad, thanks in part to all you lovely lot on here

Herewego

:beer: Heres to the next 12 months sometimes i wish i could have a sneaky preview into the future to see how far i will be from clearing this debt

Woowoo

Let's hope any surprises awaiting us in 2011 are nice ones!

Polly_Wolly_Doodle

Morning Debtbusters,

Another frosty day here, just hope i can get the car out later to collect smallest person from nursery, DH took him in this morning!

Thanks for your advice so far, i'm following what you've done in terms of uber spreadsheets and even parceled up a box of old cds to musicmagpie last night.

I have started a diary too, so i'm not hyjacking your's with my drivel, hopefully that will help to keep me focused!

I'm not sure we'd get any BTs as our available credit is huge given our salaries, so i think i'll concentrate on Opus and then maybe try paying down an open card after that and see if our credit is better then. We're at 92% usage of our credit the last time i checked with experian and their advice was to get that down as between 50-70% usage gave you a better chance of BTs or lower rate loans...

Right onwards and upwards!

PWD xx

Cialilerin

HI, Just came on to try and catch up since my computer has been terminally ill!! WOW, you have paid off over a third of your debt.:j You are fantastic!
I want to be you;) Going to get really tough with myself next year - feel that this year has been a warm up - but now going to stick to it. THink dh may be starting to understand - told me he can't afford to buy me a Christmas present as he knows we don't have any money If I kill him, then one less mouth to feed.:D

Herewego

Hi everyone hope your all feeling festive, It was good to log onto Lloyds and see one of my cc at £0.00 a great xmas present.
Nothing much to report today nearly ready now just a few bits at the shops fresh bread and milk and finishing at 1pm on xmas eve. My parents arrive tomorrow which will be good as they owe me about £70 for all the bits I have got for them hoping this will be my spends for January as I havent included it in my budget.
Girls night in tonight the wine is chilling !!!

Woowoo

Enjoy your night in HWG x

REDMADCURLS

Enjoy your night with girls