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Thats another fine mess I got myself into
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Come on red cut yourself some slack you are doing brill!x0
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BEAT_THE_DEBT wrote: »Come on red cut yourself some slack you are doing brill!x
Another random act of kindness - thank you BTD:ALBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
(CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84
There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
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Hi Red
Never got back to you on the smoking thing, I'm an ex smoker tried everything smoked 20 a day for years then one day i thought no more wasting money no more smelly clothes no more standing out in the cold.That was it not smoked since, all I can say is if you enjoy it and dont feel ready to give up dont even bother trying it wont work.
But if your ready you go for it and I will be here to encourage you all the way :T:T:T:T:T
I wish DH would give up but even im not the brave to question that one and the more I nag the more he smokes.
Quite a productive walk today nice to get out in the sun.
Hows ebay ?MARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
Ebay - shmee bay. Noticed you got a few quickies in earlier - commented on your diary!
Today I listed six on Amazon (tried that holiday thing and did they bite, did they hell)
Ebay - listed 13
So total today so far is 19 and don't have I have 41 to finish so 22 to go and Thank the Sweet Lord for it - never ever again will I rise to such a challenge
NB 42 sold for £104.43!! So thats an average of £2 each - goody gumdrops I say!LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
(CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84
There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
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:jFantastic on the ebay sales £104.43 is that going to your buddy richard he will be crying at the lost interest.
Now then you snubbing my challenge im trying really hard to find another one.:cool:
This time next week when your counting your pennies you will be so happy and nearer 48k and paying less interest.
Have you done your snowball yet my challenge to myself is to beat my DFD and you can appreciat how hard that will be for me with my DH.
This weeks mantra is NO NO NO NOMARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
No more challenges ppppppppplllllllllllllleeeeeeeeeeeeeaaaaaaaaaaasssssssssssseeeeeeeeeLBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
(CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84
There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
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Cant talk ebaying, oh and by the way the amazon thing normally takes 24 hours keep us postedMARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
9 to go unless you will allow me box sets by the number of discs - nah didn't think so
Off I go to look for CDs - DVDs now finito!LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
(CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84
There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
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Hey lady! Don't beat yourself up, you're doing brilliantly in the face of adversity!
I think everyone approaches debt repayment differently. I have a set figure set aside every month and whatever I have left after the minimum has been paid I tend to put it to the highest paying card or the one that has least time left on a deal. I know others try to pay one debt off at a time but given the magnitude of my debt it's not really an option for me!
Have you looked at the snowball calculator and had a play around with it, it's worth it www.whatsthecost.com just to see the difference a few pounds make.
The good thing is you ARE doing something, you're not burying head in sand so however you approach cannot be the wrong way.
As for OH, I share your despair, it has taken me YEARS to get OH in the position he is now - my foot firmly on his head - but I am keeping everything crossed he stays like this. He has a vision of debt free life in 9 years and is focused on that date or I will put both feet on his head!
Keep going, you're doing brilliantly!1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
2nd debt - MBNA - £6,618.52
First in many many to go - baby steps and all that!
First lump sum to go - fingers crossed!
08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
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I's is DONE - 100 listedLBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
(CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84
There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
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