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A journey of a 1000 miles must begin with single footstep....
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Loving your thread its great to see people clearing the dreaded debt
Well done and keep it goingMARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
Hey Herewego
Looks like were old friends of many of the same creditors, my personal favourite is Lloyds TSB, that debt is next on the hit list.LBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)
Barclays: £2,928.34 Lloyds: £2,499.60
MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00
Surveys: £6.60/£40.000 -
I would like to see them gone too, I got mine when I started working for them straight from school in fact it was encouraged then to have as many products as they could give you so had 2 cc and a loan by the time I was 18, just waiting for my lottery numbers to come out tonight oh what a lovely thoughtMARCH 2016 DEBT £25750/ £25035
EST DFD JAN 2021 (that needs to change)
NOW JAN 2019 (that still needs to change)0 -
hi, just found your diary.
wish my sister would come on here and read such diaries as yours, she would then see that little payments really do make a difference. I'm still trying to persuade her that that's the case.0 -
Hi Woowoo -just subscribed. Good LuckLBM 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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Oh fantastic today the warning management light came on in my car. Cue trip to the garage tomorrow.
I'm so glad I have been making all this extra effort just so life can turn around and bite me on the !!!!
Yes I did cry and yes I probably over reacting but I don't care!LBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)
Barclays: £2,928.34 Lloyds: £2,499.60
MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00
Surveys: £6.60/£40.000 -
that's a shame, but just imagine what you would be like if you hadn't put in this effort and the light came on all the same.0
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Mine did that last week and when I took it to the garage on Monday, it was out and they said the car was fine.....by this stage of course, I had the bill at £1500 - sounderstand the tears completely - its very hard not to imagine the worst - but stay positve it may just be a fuse!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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Sorry about this mornings rant, am feeling calmer now if not any less depressed.
My Mothers Day present came in under budget so have just sent another £4.32 to the Barclay Card, which cheered me up for a whole minute.
I will not let this wear down my resolve, I will walk the 5 miles to work and back everyday if I have to, not a single penny will ever go on the credit cards again. Plus my Mum has very kindly said to let her know if I need any help, will I ever be too old to rely on my parents!LBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)
Barclays: £2,928.34 Lloyds: £2,499.60
MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00
Surveys: £6.60/£40.000 -
OH handed over his coppers from the weekend, so have another 20p to send to Barclay Card today. Would love to think someone at Barclay's has noticed my complete dedication to clearly this debt so my efforts haven't gone to waste, but I don't think it works like that!
Fingers crossed for me at the garage today!LBM Aug 09: £18,650.47 - Current: £12,854.93 (£5946.79)
Barclays: £2,928.34 Lloyds: £2,499.60
MBNA: £3,788.99 Overdraft: £1,900.00 Mum: £1,738.00
Surveys: £6.60/£40.000
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