Shifting a 24K debt in a year?????

Woowoo

You must of done some wicked partying though Adam!

jtr2803

Most of mine came from cars! Although I really miss my Integra .

I've been to Wales twice...forgot to mention that, went for Rally GB (WRC) two years running and got VIP Ford service area tickets

Woowoo

And I think Im the eldest out of us lot so I've had more time!

Ceniza

Woowoo wrote: »

You must of done some wicked partying though Adam!

I can't remember most of them LOL

Kepp

Ceniza wrote: »

I can't remember most of them LOL

That's when you know it was a good party!

Ceniza

beccie wrote: »

That's when you know it was a good party!

Maybe, but I'm not proud of it. I do regret getting into this mess! I know a lot of people don't because they've used the money for good, but mine was mainly wasted!

Anyway, in the past! Onwards and upwards

Kepp

'Better to regret something you did than something you didn't' Can't remember who said that but good for when you feel like that!

£350 is winging it's way to MBNA now

I've made a good start to the £992 I need to pay back this month to meet my goals, but will slow down to drips from my other jobs as that's been pretty much my whole salary spent on DDs to cards, rent and my snowball payment.

Kepp

It's got me thinking, whether I regret what I've spent money on and whether I can actually account for where my debt has gone....

If I take my £25K I started with, the 3.5K I intend to add, the 6K paid off on my so called LBM a few years ago and the fact that over the time I've been in debt I've probably paid off a further 10K whilst managing my debt I'm looking at trying to account for roughly 45K worth of debt! :eek:

The bits I can account for and I know I would do again (:o) are:

Holidays - approx £4K (unbelievably I did pay for some in cash!)
First trip to Africa - approx £2K
My epic travel - approx £10K (the Africa part was cheap when you consider I spent £900 on the horse trek my first week in France!)
Borneo - £3.5K (majority still to be paid for)
Veneers - £3K (I know this was daft but I would still do this one again )

So that's £22.5K on things that I thought were worth it and would do again. If you look at that over the 8 years I've been in debt now though that's just short of 3K a year so sensibly I could have saved and paid for these things if I hadn't been in debt in the first place.

And that still leaves another £22.5K again that I can't account for and would never spend again :eek:

I know that I spent £200 on clothes on a shopping trip on a Saturday on a regular basis, I can remember spending £1.5K on a TV (what was I thinking?!) I spent £100s on nights out on CCs once my salary had gone for the month, I bought laptops and Ipods, I even CC'd my Tesco shop and rent when I lived by myself and wouldn't admit that I couldn't afford it

Wow, there's a post to give me something to think about!

Ceniza

beccie wrote: »

'Better to regret something you did than something you didn't' Can't remember who said that but good for when you feel like that!

I don't think that applies in my case. I couldn't regret not partying LOL. If I'd have know the financial position I would be in now I wouldn't have wasted all the prior years struggling with debt and waited until now to enjoy the things I wanted to enjoy when I could actually afford to do it with my money I've earned, not the money I've had to borrow.

Well done on the £350 BTW. I'm still waiting for my totals to be updated online before I can redo my signature and DFD

jtr2803

I don't think I could even begin to start trying to work out where my money went, I reckon about £3k was spent modifying a fiesta, another £2-3k on my Integra, £2k on 'stuff' and quite a bit paying for ex boyfriend!!

I keep thinking about veneers, I have this silly little gap in my front two teeth and I don't smile properly because of it , something I will def investigate once I am debt freeeeeeeeeeeeeee :j