Time to get rid of this debt

Dee5565

Hi, Well i have spent the last few days going over my debts, and i need to get rid of them. So i have decided to start NOW.
my LBM 23/11/10. I hope to be rid of them by 23/11/13
I am giving myself three years but will throw everything at them until there gone.
I have been reading on here for a few weeks, and i dont feel so alone.
I am going to join surveys, sell what i can on ebay,and what ever else i can do.
Dee

Dee5565

Well i have started i have put 10 items for sale on ebay.
I will try and put 5 items each day until i have got rid of my clutter.
Also have got 2 large bags of clothes for charity.
I am determined to get rid of this debt for good so this diary will keep me accountable. No more spending unless i really need it.
Today was a NSD which is a good start.
My total debt is £24.759:eek:
Dee

xmum2threex

:beer: good luck hun sounds like a good start xx

Dee5565

Well i have joined the PAD so i am hoping that will help me along.
Lots of things to do today, so it will be another NSD for me.
Really excited one of my items on ebay has been bid on, i know its only one but every penny will count from now on.
One job today is to go through one wardrobe of clothes and shoes, and sort what is for ebay plus charity. Hope to fine a few pennys in some pockets.
Hope everyone is well.

Dee

fizzypops

hi

i sorted out my wardrobe yesterday and found old handbags and purses with loads of change in so definatly worth a look!! :cool:

good luck with becoming debt free.

xx

chevalier

Hi Dee
If you want some advice on cut backs you can make then you can fill in the SOA layout below, you never know we may spot something that can help
http://www.makesenseofcards.com/soacalc.html
welcome to the boards
chev

Dee5565

Well i now have 20 items on ebay and four are bid on.
Went through one wardrobe yesterday and sorted more items for ebay.
Found in total 21.89 in loose change pockets and handbags.
Also another NSD for me.
I am going to be very busy over the next few weeks elderly neighbours are moving to a smaller house, and has asked me to help as they have
no family.So i wont have time to even think about spending money, so that is a good thing.
Thank you everyone for your support.
I will get rid of this debt

Dee

Dee5565

Well this is my fourth NSD which is a record for me.
Not even buying food, just using up what is in my cupboard and fridge/freezer as there is alot.
Looks like i am going to be busy for a few weeks ,elderly neighbour has a lot to get rid of before she moves. Five bedroom house to one bed room flat.
My first debt that i am attacking is Cap One CC balance left on Tuesday 23/11/10 was 199.25 have paid the loose change that i found while cleaning out a wardrobe the other day to it and the balance for Friday 26/11/10 is 173.23.
I am so determined to get rid of this debt that i am going to do the PAD even if its only a few pence some days to this debt. It all adds up.

Dee

Jan_Olivier

Excellent. Keep going and paying back that debt. Every penny makes a difference. Especially in the beginning when you have a lot of debt.
With time reducing your debt will get easier and easier.

Do not fall into the trap many people do, getting more debt just as soon as you have paid off some debt.

Dee5565

Well its been awhile since I have been here, so I am starting it again.
My debt is going down, but I need to do more to reduce it.
It will take a little longer as OH had a nervous breakdown and now suffers with depression.
But we will get there so my DFD will be 7th Dec 15.
I an still trying to sell as much as I can on ebay, cook from scratch, grow some vegs, not buy any toiletries until I use up what I have, buy no shoes or clothes unless I really NEED them.
Take one day at a time.

Dee

Dee5565

I have cleared my first Debt Capital One CC.
So now I will start on the next one which is Vanquis CC
I sold 4 items on ebay and have been paid, so will post them today. £12.87 from ebay will go towards Vanquis CC.
I find it easier to clear one debt at a time, then I dont feel so overwhelmed.
I just tell myself one day I will get there.


Dee