£1 loan payments, orangutans and learning it doesn't all happen overnight...

**Kat**_2

Well done on being sub £23k Beccie - bet you are so pleased x

Kepp

Thanks Kat

It is very nice to see the 22 in front of the figures now!

Ceniza

It's an awesome feeling isn't it! I've just gone sub £19k and can't believe how much the debt is coming down by each month

If_My_Pennies_Were_Pounds

Well done Beccie! Bet that feels good?

Kepp

It does

Feel very on track with the debt-busting at the moment which is nice

Woowoo

Dropping another bracket is always great motivation

Kepp

It definitely does help to make the whole thing feel more positive I've been thinking that a fair bit recently - as it's nearing the end of year, doing a bit of reflection and all of that!

When I first came back at the end of March things were a right mess - I hadn't been paid in 6 months and still had another month to go, I was way more in debt than I had originally thought and I was being charged late payment fees all over the place.

The next couple of months involved getting everything organised but with a lot of debt on ridiculously high APRs I didn't feel I was getting anywhere fast.

Then I started to pull it all together, make some good progress, but then I added to my debt with Borneo

Now I feel a lot more organised with only having 5 separate debts as opposed to the 10 I had at one point :eek: And instead of having stupidly high APRs I now have 3 debts at 0% and the other 2 at reasonable APRs.

And along the way I have learnt (to a certain degree!) about more realistic amounts and deadlines.

So to sum up 2010 in debt-busting terms I really feel that I know what I need to do now, have the situation under control and am ready to enter 2011 in full debt-busting mode!

Sorry for a long boring ramble there guys

jtr2803

Hello my chicken!

Woah, £165...what a result! :beer:

And sub £23k....I should vanish for a few days more often

Hope you dont feel too tired today, make sure you get an early one tonight

Woowoo

You have done really well Bec's, and booking Borneo hasn't really thrown you off course at all - so you really have learnt how to plan and manage your budgets

Kepp

If you getting snow weeks always had that result for my finances I would be hoping you got snowed in every week!

Just cleaning tonight, and then a couple of bits to do at home so should be a nice chilled one this evening.