My Very Long Journey

Herewego

Do you work full time is there any chance of overtime or a second job ?

I should be listing on ebay now but i get caught on this forum and spend all night reading the posts I will have to close the page and concentrate............maybe tomorrow night

Desperate_to_be_debt_free

Yes I work full time and am doing lots of overtime but I know that come April my tax credits will be reduced as they'll take into account the extra income. I also do mystery shopping in my spare time (when I have any) I'm all e-bayed and amazoned out

I notice your DFD in 31/08/12 are you going to pay all that off in 2 years? What's your plan?

Herewego

Plan, not sure i have one DH has a very good job but if you have read my diary he is due a large payrise last september but hes to proud to ask doesn't feel he should have to if this comes through I would have a DFD of Nov 2011.
I plan to sell everything did quite well in February cleared my VERY account at 39% it had to go, now im onto additions this is also at 39% but not doing quite so well, having a tough time at work and just not motivated. I have bought a job lot off ebay this week so im hoping i can split this and sell at a profit only paid £6.50 so shouldn't be too hard.
I have a feeling DFD date will move DH car is at the end of its term and the balloon payment is due £12000 I have factored this into our budget as I was hoping we would get rid of the HP payments (£349 a month )make the payment and sell the car at a profit then just maybe he would buy a cheaper car who knows

Herewego

sorry rambling on again

Desperate_to_be_debt_free

I hope the payrise comes through for you. He really should ask for it, it's not as if he's not entitled to it. I'll find your diary tonight and have a read through.

dealwithdebtdot

Good luck, it seems like you feel like its a mountain, but little steps climb mountains!

My diary helps me, not been at it long, but I am more focused now that I have it.

Dot

Desperate_to_be_debt_free

Thanls for the support Dot. I'm feeling quite positive today and have decided that once the tax credits go into the bank tomorrow I'm going to pay £10 off La Redoute. Once the money has gone out of my account then I'm going to have to cope without it. That's the plan anyway

REDMADCURLS

Best of luck and have subscribed to let you know you are not alone - haven't even had the guts to post my individual debts yet but suffice to say its £49k in total!!!!

Desperate_to_be_debt_free

Thanks for the support. How do we get ourselves into these situations? I am so determined now, I don't have much spare money but I'm going to try my hardest to get some years off my debt free date.

REDMADCURLS

Desperate_to_be_debt_free wrote: »

Thanks for the support. How do we get ourselves into these situations? I am so determined now, I don't have much spare money but I'm going to try my hardest to get some years off my debt free date.

With me it was two fold -
a) spending what I didn't have
b) more spending what I didn't have

but NEVER again...my next holiday whenever it will be, will be with money I have saved and not via any other method!!