No more debt.....or choc!!

penelopedee_2

Evening Choc-addict, glad you had a good day off and have a nice evening tonight with OH.

Choc-addict

Oh !!!!....ending the weekend in tears and over what.....money

Just added up my total debt and it's shocking still, gone through my account can see no way of being free of this and quite simply just want to wallow for five minutes whilst OH is at the shops.

Sorry to rant, just need to get it off my chest. Tom is another day and life goes on.....just hate money!

Will update hopefully in better spirits later. x

penelopedee_2

It will be ok Choc-addict, you will manage it. Its just going to take time (I know that's not what you want to hear).

Try and stay calm with it hun, otherwise you will make panic money decisions which always cost more in the long run. Keep debtbusting bit by bit don't try and scare yourself with it. You are doing a good job x

HamsterWheel_3

Choc-addict wrote: »

Oh !!!!....ending the weekend in tears and over what.....money

Just added up my total debt and it's shocking still, gone through my account can see no way of being free of this and quite simply just want to wallow for five minutes whilst OH is at the shops.

Sorry to rant, just need to get it off my chest. Tom is another day and life goes on.....just hate money!

Will update hopefully in better spirits later. x

HUGS!

It's awful when it gets you down, i was reading your siggy and i so hope your not crying over £900 sweetie as thats really not worth it, meant in a good way of course... try and put a smile on your face it makes things seem less frustrating.... trust me i know


keep plodding on and hey its monday tomorrow!!!!

OrangeFairy

Hey Choc!!

Chin up!!! You just need to stay positive. You know you can get this sorted.

I hope OH was a great comfort to you!!

Lots of hugs being sent out to you x

Choc-addict

Aww thank you guys :A It's strange but knowing I have 'virtual friends' who really understand how I am feeling helps so much - so thank you.

I'm feeling a tad better now and know that I am making good progress, albeit in a way I didn't want to but needs must I guess and it's not forever. OH has been fab in reminding me that since Nov 2008 i've cleared over 20k of debt and am clearing over 700 per month by doing what I am doing - I need to keep remembering how well I have done, not the fact that I have £43k of debt remaining....:eek:

So.............

'Hello, my name is Choc-addict and I have 12 creditors and in total and owe them a grand total of £42,975.18 :eek: I pay £822.04 per month to these creditors and all bar three are on nil interest at the moment and the other three are on reduced interest rates. If they carry on as they are I stand to clear my debts in full in about 4 yrs time, however I am going to beat this debt soon'............

There said it, wrote it, feel sick but much better in a way?!

So my this is what I owe my creditors at present -

Debt 1 - 902.30
Debt 2 - 1058.25
Debt 3 - 2796.48
Debt 4 - 3083.52
Debt 5 - 3428.36
Debt 6 - 3462.57
Debt 7 - 3530.60
Debt 8 - 3683.97
Debt 9 - 4175.61
Debt 10 - 4222.61
Debt 11 - 4330.24
Debt 12- 8300.67

:eek:Putting them down on here feels like the walk of shame, that said I think I need to in order to remind me just what a mess I am in :eek:

So now I really need to start thinking longer term, as penelopedee said, it will take time and I think I need to remember that and that it won't just vanish over night. It has to be small baby steps but also a lot of self control on my part because as much as I can blame some of it on family, interest added, fees, charges, ex boyfriend from hell, it was my decision to make every single transaction made as I was was the only one who could use the cards/take out the loans so I need to take responsibility for my own actions in all of this. I've considered myself told off by me :rotfl:

So now onto the positives - I WILL beat this debt sooner rather than later. I have the fantastic support of this site and you guys. I have a lovely OH who supports me in so many ways and I have a bright future ahead

Sorry if i've ranted away here guys, I just needed to get it all out and down if that makes sense. Thanks again, you're all lovely

OrangeFairy

It is great to actually get it all down in a list. Scary but kind of necessary.

You have done SOOOOOO well to get your debts down by 20k in such a short time and 4 years at maximum really isn't too long to wait. Just make sure you remember how well you have done!

GGGRRRR to ex partner!

Just carry on doing what you are doing and it will decrease and you will feel good about it!! xxx

Choc-addict

littlekel wrote: »

It is great to actually get it all down in a list. Scary but kind of necessary.

You have done SOOOOOO well to get your debts down by 20k in such a short time and 4 years at maximum really isn't too long to wait. Just make sure you remember how well you have done!

GGGRRRR to ex partner!

Just carry on doing what you are doing and it will decrease and you will feel good about it!! xxx

Thank you, grrrr indeed to the ex partner but hey, a lucky escape in so many more ways - trust me!

I'll get there, just need to be patient ;)xx

Choc-addict

Morning all,

Not such a sunny day here this morning but hopefully it'll burn through the cloud soon enough!

Nothing exciting today, working from home and hoping for a NSD with any luck. Poor puddy cat may have to go to vets as he's been poorly so waiting for OH to call back and let me know

Couldn't sleep last night as had money rolling through my mind :mad: That said it was a good thing as I feel a bit more settled about it all now

Must get back to work, lots to do and going to be a long day!

On a plus for today weight loss is coming down - check out the sig :j Aiming by end of May to be at the 10st mark with any luck - yay!

Have a good day all xx

HamsterWheel_3

Morning sweetie

First off well done on the weight loss! Thats great news, i need to lose a stone in a month too well 37 days as off to egypt and im determined they won't be harpooning me back in the water lol. As usual though my determination and willpower gives in every ruddy time lol

Anyway hope cat ( was going to say your !!!!! but decided against it ( is better soon and you have a great day xx