Debt free by Summer 2012 (if not sooner!)

DebtFree2012

Waaaahhooooo!
£1.70 paid to Cap1 - evil people they are.

Woowoo

Well done on the payment

I will never have credit again for anything! I need to save for a new car when free, with regards to household it's my OH's house so not my problem thankfully!

garfield44

Hi DF,

Just wanted to post to say that I am in exactly the same position as you with regards to our OH's. I'm just over £25k in debt and he knows about £4k of it - not good I know!!!! but I can NEVER tell him about it.

Anyway I've just subscribed to your diary and will be following you along. I'm off to start a diary myself as I have been lurking far too long. If you havent already I would suggest reading Beccie and Adams diary as well as Woo's as they are very inspiring. I have read them all and am now well focused on getting this debt busted.

Good luck

p.s although I may not post very often I will definitely be reading along

**Kat**_2

Well done on the payment!! Yea I do have 2 jobs, 1 full 1 part time. I am totally knackered and it does mean I don't get to spend as much time with my son as I would like but as I work job 2 in the night it's only about 1hr I miss so not so bad.

Herewego

I too have people take the P*** out of what I have and how I take it to work for lunch like my random veg soup which looked a bit strange but tasted fab, it used up all the bits of leftover veg in my fridge that once I would have thrown away and made 4 meals.
I know a bit about some of them and the laugh will be on them when they cant pay their cc back, they are just jealous we are so smart with our re-using things.
Keep up the good work well done on the payment today

o2bfree

Just wanted to say 'Hi'.
So much of your diary I can relate to.
I want to be debt free in 2012 and I will never tell my OH about my debt.
If you don't mind I will be subscribing and following yur journey

LexieLou

You've all mentioned the people who look down their nose at you for using the boxes from the takeaway, home made soup etc. Just rise above it, they don't know when it will come to their door!

Keep smiling and keep paying the pennies. As my granny used to say, watch the pennies and the pounds will look after themselves.

Night
ll xx

DebtFree2012

Gooooooood Morning all.

Slept in for an hour this morning, purposefully mind. I get up at 530 normally but was up a lot during the night with the baby as he’s started waking again for some reason, ended up having to give him a bottle at 330 – 4 and was shattered. I seem to do better on less sleep – had early night last night and felt worse for it. Am used to being up during night and normally don’t feel so bad, oh well, such is life.

Woo – I feel the same re credit, I never want it again and I think if I can pay this debt off then I can save the same amount in the same time again so why go for credit. Please remind me of this post if (WHEN!) I am debt free lol.

Garfield44 – although it won’t be a relief for you to be in debt – it’s a relief for me that you are if you see what I mean. In same situ with keeping it all to yourself etc. Same as you – I am fully aware I shouldn’t be hiding it etc but short and tall of it is I’ve lived with it this long and I will do so whilst paying it off then once it’s gone breathe the biggest sigh of relief ever. Thank you so much for subscribing – have you got a link to yours and I will subscribe too and follow your journey. Thanks for the head’s up on other diaries to read, I need to check who’s who and make sure I have them all. Don’t worry about not posting too often:)


Kat – I am totally in awe of how you manage to hold down 2 jobs, well done! I am just focssing on the goal ahead whenever I feel this jobs getting too much and that’s just one job! Lol.

HWG – whenever someone comments about my packed lunch (which today I have stupidly forgot so means I have to use petrol to pop home on way to put pennies in bank and get it at lunch time, but cheaper than buying at work) from now on I am going to smile and think of what you have written about the veg soup and how it’s saving money as would have been wasted otherwise (same here btw). I see these guys spending £5 + a day on their lunch plus petrol to get it every day as they go to the supermarket and inevitably spend money on other things whilst they are there. Over the last few months I have come to realise I love my life (bar the obvious) and will always do my own lunch, rich or riddled with debt! In fact, without this debt I wouldn’t have the respect for money I do now and may have taken me longer to realise what I do have. Phew – I turned into something off a chat show there – sorry! So thank you for putting your hand up and saying ppl have done similar to you and lets all say screw ‘em together lol.

O2bfree – Loving the name, so many names on here can relate to! Similar to garfield’s post – it’s nice to feel we’re all in this together and take inspiration from others. I find when I am down, the forums give me the boost I need and get me back on the straight and narrow and especially having a diary when so many lovely people are chatting with you – it’s a really nice feeling. Makes you feel anything possible so yes, please do subscribe and we can do this together.

LL – you’re so right in saying rise above it and I am glad I didn’t snap and say all the things I was thinking whilst walking back to my desk. It was the last and most childish thing I expected a grown man to say so took me by shock I think but on reflection my response, or lack of, probably shot him down anyway as I bet the others around were thinking similar to me. Thank you x

So today I have lots of work to do, booooo, but also want to check something out on spreadsheet I thought about this morning (at 330 there are some benefits to being up lol). I am tackling Cap1 first as highest APR however that means ater paying over 1k to virgin whilst tacking Cap1 I will only have paid off £200 if that over the same period. Want to look at splitting it etc.

My new items go in the paper tomorrow so I hope to sell them this week and they can all go to CC. I have brought a teacake in for breakfast as fed everyone but myself this morning so going to have that now then get on.

OMG – Cap1 statement due, gulp.

Kepp

garfield44 wrote: »

Anyway I've just subscribed to your diary and will be following you along. I'm off to start a diary myself as I have been lurking far too long. If you havent already I would suggest reading Beccie and Adams diary as well as Woo's as they are very inspiring. I have read them all and am now well focused on getting this debt busted.

Thanks Garfield, that's really nice to hear. Make sure you post a link when you start your diary.

Morning DF Hope the Cap1 statement isn't too bad. Don't panic too much anyway, at the start it does take a while to catch up on payments you've missed and charges etc and getting a budget and things organised but once you've done the first couple of messy months you'll be well away! I'm sure you can do this x

Kepp

Sorry just thought as well, have you thought of putting up an SOA or at least a list of your debts with APRs etc so people can give a hand with the best way to tackle them? x