Clearmydebts - new chapter to becoming debt free before moving home

clearmydebts

Thanks Tete!

Can't see much money being leftover as I have 2 weddings (1 in Italy) to go to and I have to pay for accomodation for both. 3 nights for the one in Italy.

However, if I can avoid anything going on the credit card then I will be really happy. We don't have anything much planned (other than some guests coming to visit) from September onwards so if we can have a quietish time until Xmas that will be great

It doesn't help that I have spent a fair amount on flights coming to and from Ireland due to homesickness. In a way I will be glad when we ar back home, cos all of our flight costs then will be either holidays or weekends away to see friends. We must spend a fortune getting home to Ireland every year.

I am so sick of being in debt

tirlittan

Being in debt is certainly a pain in the a***. But we'll get out of it, soon enough! When do you want to be debt free?

Dinah93

I hear you, I feel like every time we get out of debt something comes along to land us right back in it!

clearmydebts

tirlittan wrote: »

Being in debt is certainly a pain in the a***. But we'll get out of it, soon enough! When do you want to be debt free?

As soon as possible is the only honest answer I can give. I don't even want to think about how long it will take us to pay back this money because I think I will get depressed if I do.

I know that in order to get out of it I need to change my spending habits and start saying no to going to different things or we will never get out of it.

clearmydebts

Dinah93 wrote: »

I hear you, I feel like every time we get out of debt something comes along to land us right back in it!

Its depressing isn't it? I see friends of mine who are really getting on in life, putting extensions on their houses, driving nice cars etc etc and all we are doingis renting. Granted I know we have a flat but we are never going to move back to Scotland and the way the current climate is that the moment we wouldn't make that much back on it.

Sorry, I am just having a really down day. I think if I can figure out how to pay at least £500 back a month I will be really happy as I will start to see the figure go down quite a bit then.

Dinah93

But that flat is still an asset to you, that a lot of people may not have. Not suggesting it is a way forward as often its cutting your nose off to spite your face in the long run, but would selling it clear your debts and wipe the slate clean?

Start having a sig where you cross it out as you get rid of debt, so you can see how far you've come - your sig at the moment looks like you haven't started, but I know you've made a dent even in a few days.

Tete_en_l'Air

clearmydebts wrote: »

Its depressing isn't it? I see friends of mine who are really getting on in life, putting extensions on their houses, driving nice cars etc etc

What makes you think they aren't all up to their eyeballs? Have you had a read of this thread thartwas in the email this week?

Are you secretly poor?

Dinah93 wrote: »

Start having a sig where you cross it out as you get rid of debt, so you can see how far you've come - your sig at the moment looks like you haven't started, but I know you've made a dent even in a few days.

I second this, I like to watch people's progress

clearmydebts

Dinah93 wrote: »

But that flat is still an asset to you, that a lot of people may not have. Not suggesting it is a way forward as often its cutting your nose off to spite your face in the long run, but would selling it clear your debts and wipe the slate clean?

Start having a sig where you cross it out as you get rid of debt, so you can see how far you've come - your sig at the moment looks like you haven't started, but I know you've made a dent even in a few days.

I know it would be a way of becoming debt free but there is no way I could sell the flat. We put too much money into it. Ideally when we are DF we would like to overpay on it. Hopefully when we move to Ireland OH will have a much better wage. The work he does is well paid but unfortunatley the company he works for are not good payers.

Good idea about crossing the money off. This prob sounds silly but how do you make the cross off sign?

clearmydebts

Tete_en_l'Air wrote: »

What makes you think they aren't all up to their eyeballs? Have you had a read of this thread thartwas in the email this week?

Are you secretly poor?



I second this, I like to watch people's progress

Will have a read of that now. And of course you are right, some people are probably up to their eyes in debt as well.

I think I am having my second lightbulb moment here and this is probably why I feel so down.

Dinah93

The bit you want to cross through you write [ strike] text [ /strike] around it (without the spaces after the brackets) or there is a strike option in advanced reply rather than quick reply. So the text above would appear as [strike]text[/strike]