Any help welcome

x_raphael_xx

unknown3rd wrote: »

I am so proud of you. As you said...you really have come far and are now able to deal with stuff you were not :T:T:T.

What a great christmas present for yourself...your last christmas in debt. Seriously nothing can top that except the gift you are going to be giving yourself in 2008, you first debt free christmas!

Well done!

Couldn't have done half of it without you and mummy3rd. Remember the walk in the woods! I've come along way since then!

I'm looking forward to xmas 2008 already!!

x_raphael_xx

I posted this on another thread, but I thought I'd add it here too, it's a great idea, and shows how far I've come and gave me a big boost.

My first post was on 31st August 2006, at that time I owed:

£450.00 Overdraft to Abbey
£700.00 To my mum
£1016.37 To Bank of Scotland
£1349.46 To HFC 1
£2313.28 To HFC 2
£1700.00 On Credit card

Total ~ £7528.11

Now a mere 14 months on I have:
Paid off my Mum, Abbey Overdraft and Bank of Scotland.
I now owe:
£1099.56 To HFC 1
£1884.08 To HFC 2
and the Credit card (currently £1300)

Total ~ £4283.64

That is £3244.47 paid off in 14 months!

jamesd

And that means that in 2-3 more years from becoming debt free you could accumulate a 7,000-10,000 deposit for a house. The money saving continues. But maybe with holidays in the mixture once you're debt free.

You've already done the hardest part of this, the first part of becoming debt free when you are making slow progress paying off the debts. Should be easier from now on as the snowball effect really gets to work.

arthurdick

well done raphael, hopefully i can do as well one day... just gotta get past this xmas 1st

x_raphael_xx

jamesd wrote: »

And that means that in 2-3 more years from becoming debt free you could accumulate a 7,000-10,000 deposit for a house. The money saving continues. But maybe with holidays in the mixture once you're debt free.

You've already done the hardest part of this, the first part of becoming debt free when you are making slow progress paying off the debts. Should be easier from now on as the snowball effect really gets to work.

Yeah I can really see it working now, when my credit card is clear (target is February) Then I'll have £300 a month free for the next one. The end is in sight!:D

Robflh

Hi x_raphael_xx

Glad to see you are still relatively on track to getting rid of your debts. I think we all have time when the anger gets the better of us but last year I did a condition management course.

I have suffered from depression and anxiety for many years and the course taught me a few things but one stuck with me.

The only person that can make you angry is YOU. It sounds stupid but it has been the best advice I have ever been given.

For example, a friend owes you money and they promise to give you it back Monday but they never turn up. Does being angry about it get you the money, no. Does it make them give you it any quicker, no. Does not getting it ruin the rest of your life, no.

You have to develop a blarza attitude to life but not to the point where you are burying your head in the sand. If you cannot do something to day, you might be able to do it tomorrow. If your friend did not pay you this week maybe, they will pay you next week.

Look to see what would be worst out come and try to prevent it but if you cannot do anything about it learn to accept it. Getting angry about it will not stop it so why get angry about it in the first place.

Believe me when I tell you it is a far less stressful way to live your life. No, it is not easy to do but it is so worth the effort.

LookingAhead

I liked the advice from Robflh. Very helpful.

Raph - I think your words (post #220) are fantastically mature and grounded. I doff my cap to you! Well I would if I was wearing one!

And well done on everything you have paid off since August last year - it's fantastic. :T

x_raphael_xx

LookingAhead wrote: »

I liked the advice from Robflh. Very helpful.

Raph - I think your words (post #220) are fantastically mature and grounded. I doff my cap to you! Well I would if I was wearing one!

And well done on everything you have paid off since August last year - it's fantastic. :T

Thanks

When I was first calculating it, I thought we were already in 2008, and £3244.47 in 26 months didn't seem to impressive. Then I realised it's still 2007! I was dead chuffed.

(Also just transfered another £200 onto credit card :whistle: Will change my sig when it clears):D

x_raphael_xx

Robflh, thats almost exactly how I look at life now, if I can't change it, don't worry.
Although I have a damn good go first! I doubt I'm ever going to hear from my 'friend' again, but I'm not going to stop pestering her for a long while!

My mum was going into hospital a while ago, they were going to tell her wether (sp) she needed pins in her leg or not. She was worried in the weeks leading up, but I told her 'there is nothing you can do right now to change the situation, so why worry? It's just causing more stress. If you need pins you'll need them.' She couldn't stop worrying thou :rolleyes:
Incidentally, she got away with just a plaster cast.:D

x_raphael_xx

postingalwaysposting wrote: »

just pooping in to say hi raph and still reading

Ha Ha, just re-read that Pap.

Pooping in!:rotfl: