Long time lurker, 1st time poster!!

gettingthereslowly!_2

I have been lurking around these boards for far too long now, thought it was time to say hello. So here goes.... Hello. Wow, it wasnt as hard as i thought

My story basically is that I found this website just over a year ago when I was in debt by around the 30,000 mark! :eek:

I'm not even sure exactly how it happened, I guess I had just been ignoring my debts for quite some time, and living off credit cards, paying them off with loans, etc. All the time with my head firmly buried in the sand!
It wasnt until I found [STRIKE]Jesus[/STRIKE] Martin that I realised that I needed to do something about it and fast! I am 29 now, fast approaching 30 _pale_

I have taken alot of good advice from here and would like to thank everyone for that :beer: I think that now I may be able to contribute back to what I think is the best website on the internet! :money:

Anyway thanks for reading...

p.s. I now owe roughly 18,000 so as my name says I am getting there slowly :j

chuckles1066

good for you :T

Trust me, as massive a debt as you think you may have, £18k is really a small hill rather than a mountain these days :j

Phoenix79_2

£12k off in a year is excellent.

Welcome to the site :beer:

Mrs_Sparkle

Well done- £12K in a year is fantastic work! And stop lurking- we're a friendly bunch to talk to :-)

Megatimbo

Hello gettingthereslowly! welcome aboard,just like to say also that you have made a great decision to join our online gang

Like yourself its good to see people can take time and effort to restore their finances and its the being in control that appeals to me,this aspect gives you so many choices when the ultimate aim is to become debt free.
Keep up the good work and we all will get there whatever the speed
Regards M

gettingthereslowly!_2

Thanks guys,

Was hard work... downgraded car, moved in with parents, sold alot on ebay, and stopped buying paul smith and D&G shirts!! :rolleyes:

LittleL_4

Hi :hello:

How well are you doin! :T

If I managed to pay that amount off my debt in one year i'd have been on here long before now bragging about it lol!

Any tips? :cool:

L
x

gettingthereslowly!_2

Hey LittleL,

My main tip is rather boring really! It is just to keep track of everything you spend, I use a spreadsheet on Excel and literally put everything that i spend on it...

I shudder to think about the times I used to go out and buy a shirt for £90 and a pair of jeans for £60 just cos I was going out that night!

Thankyou Martin, you have saved me!!! :A

gettingthereslowly!_2

Oh and claiming back charges. Anyone who hasnt done that yet, do it NOW!

I got £1000 back from Barclays! :beer:

spud30

gettingthereslowly! wrote:

Oh and claiming back charges. Anyone who hasnt done that yet, do it NOW!

I got £1000 back from Barclays! :beer:

I must be one of the few left on here who hasnt claimed back my charges.

I'm on a DMP and trying to clear my debt with the bank before I go for it

LittleL_4

Yeah I know what you mean. I was always into designer clothes and would spend fortunes! I think my worst was diamente sandals (£185) from Cruise. I could'nt even walk in them lol!!!!

Thankfully, I've managed to sell alot on e-bay (something else for you to think about) :T

Keep up the good work and happy posting!
L
x