Starting my Journey

Anticrastinator

Hi,
Just wanted to say thanks.

My brother told me last night how great the site was so I decided to take a look today and yours was the first post that I read. It's giving me the push I need to do something about my own situation. It'll probably take me a little while to learn about all the features of the site but I'm going to try and do something each day.

Step 1: join the site and make a public declaration of intent. (its a start, I suppose)
:j

Ashamed_2

No need to thank me .

No matter who we are on here or where we are from we all have the one thing in common, we are in debt and we are here because we want to do something about it (with the exception of those who have been here a long time, in which case we have been in debt and have done something about it ).

There is so much information on this site, but I think the thing I've taken most from this site and the thing that has motivated me the most is the the support and encouragement of the individuals that make this site what it is.

Ashamed_2

Monthly update.

2 months in now.
This month has been really tough and it's never as straight forward as it seems. You sit down and work out how much you will be able to pay each month and how long it will take, then something breaks or goes wrong and it throws your calculations out of the window.

We've had a very bad finacial month and have not managed to pay off anywhere near as much as last month but I guess on the up side we have paid off some rather than accumulating more.

This month...
£378.01 has been paid off the credit cards and loans.

At present we are looking at the end of the month to see if we can afford to pay off any more from the credit cards. Why ???. I'm going to pay off an additional £100 from the highest rated credit card each month at the start and then see how much we can afford to pay at the end of the month. We got some catching up to do.

I think if you give yourself less money to work with you have no choice but to get by. Trying to keep a tight leash. Not tight enough and the dog gets away.

:T

Ashamed_2

I've been playing around with the figures and have set the following milestones for my loans and credit cards:

* November 2010 - Break the £55k mark (i.e. now owe less than £55k)
* April 2011 - HSBC Credit Card paid off
* April 2011 - Tesco Credit Card paid off
* July 2011 - Break the £45k mark
* February 2012 - Santander Credit Card paid off
* March 2012 - Break the £35k mark
* November 2012 - Break the £25k mark
* February 2013 - Barclaycard Credit Card paid off
* March 2013 - DFS load paid off
* June 2013 - Break the £15k mark
* September 2013 - Halifax Credit Card paid off
* September 2013 - ALL CREDIT CARDS PAID OFF !!!! :T
* October 2013 - Break the £10k mark
* December 2013 - HP loan paid off
* April 2014 - Halifax Home owner load paid off
* April 2014 - ALL LOANS PAID OFF !!!! :j

Ashamed_2

Help, I'm looking at cars on Ebay. Someone slap me .
A new cars going to have to wait until April 2014 !!!

saorsie

WHACK! <oooooh that's gotta sting!>

Move away from the auction site

-s-

If_My_Pennies_Were_Pounds

Hi Ashamed, thanks for stopping by my diary, thought I'd come and have a nosey at yours!

You say I'm doing great, I have done NOTHING when compared to you! I can't believe you've paid so much money off the debt since May! :T

Sorry for the comment about mostly women having diaries on my thread Putting my foot in it again, sorry!

Not sure if you are aware but it's free listings on ebay this weekend.

Ashamed_2

saorsie wrote: »

WHACK! <oooooh that's gotta sting!>

Move away from the auction site

-s-

Thanks, I needed that. I'm now browings cars with a view to adding to my goal list . i.e. once debt free first thing to save up for (no credit). Going to get the wife to do the same, then we'll put some pictures on the fridge and use it as motivation

Ashamed_2

If_My_Pennies_Were_Pounds wrote: »

Hi Ashamed, thanks for stopping by my diary, thought I'd come and have a nosey at yours!

You say I'm doing great, I have done NOTHING when compared to you! I can't believe you've paid so much money off the debt since May! :T

Sorry for the comment about mostly women having diaries on my thread Putting my foot in it again, sorry!

Not sure if you are aware but it's free listings on ebay this weekend.

No need to appologise about the women diaries it's all good.
I missed the ebay listing weekend , I was too busy sorting stuff out to sell LMAO !!!. I think I'm going to start most of the stuff off at 99p, but I guess the stuff I need a little more for I'll keep aside until the next free weekend. Do you knwo when the next one is ?

miggy

Hello, I just wandered across your diary this morning and have been reading when I've had a minute since!
I wanted to say I'm impressed with how well you are doing, especially giving up the ciggies which can't be easy. I like your projected dates 'diary' as well: what a good idea to have those milestones to focus on.
Are you and your other half able to plan a few MS treats to aim for? It might take some of the pressure off, also the temptation to slip up in what you spend, if you have something nice not too far in the future.