Shy wants to be debt free! 2011 my year

shy2011

Cant wait to go on holiday next week. Payday on thursday not sure what i will be paid as i will be a week short since ive left work now. Im thinking about £1000 so will have to wprk out what i need budget wise and for spending money for the holiday. Feel abit worse for wear today ive been out friday night and sat night and im suffering now. X

shy2011

So back from holidays had a fab time. All moved now
And start new job tommorow. Tres excited. Looking at my figueres my debt is now £1602 just my loan left to pay. Its so exciting. To be nearly there. Feel like ive come so far in the last 6 months

shy2011

So new job has been keeping me busy. Loving it and love my new home. Nothing new to report on the debt front still just my loan to repay which is at about £1600 £140 will come off that this pay with the normal payment. Ive written to one of my credit cards and closed it down so it cant be used again. Im also awaiting about £300 from my pension contrabutions for thos year. Ive set up a savings account too. I cant wait to have a healthy savings pot. Im starting a health kick too seriously need to get my self abit fitter. All good in shy towers at the moment. Pay day cant come quick enough tho. Shy x

shy2011

so been so busy over the last weeks.
Ive decided to buy a new car!!! I know its crazy to do that when ive been batteling with the debt. My initial plan was to save but the car i want is very expensive so i have been approved for a loan...EEEEEEEK. I know what your all thinking. Its fully flexable and i can overpay at any time penalty free which is fab. My intention is to over pay like crazy like i have done with the other debts...the difference this time is i actually have something to show for it. Where as before i had 5k debt and nothing to show. Im feeling really good at the moment and feel like i deserve this. So updated sig to come...eeeek its going to be the highest its ever been. Shy x

shy2011

Wow ive not been around in ages..ive totally taken a step back from the debt busting and seem to have gotten myself back in to more debt than ever...But im not overly worried i have a fantastic new car and ive also had laser eye surgery! A decision i in no way regret. Im so happy with the results its amazing! Also just booked a holiday for next year to the carrabien. So me and other half have some serious saving to do....i really want to get my loan down which is now at about £1300 due to naturally end next may. Then theres the car loan to tackle. The eye surgery was £1800 but no interest at all so im not worried about this. Just that car loan to attack.

So a little reminder of what my current income/outgoings are
Income 20kpa
1300 per month

Outgoings per month
Rent to Other half £300
Car Insurance £132 - this only has 1 payment left then will reduce to approx £80 per month
Phone £35
Tv Licence £12
Loan 1 £140
Car Loan £199
Laser Eye £63
Gym £32

Im also giving my other half extra as i owe him £500 but really this isnt going to take me long to give him back.

So if i assume im paying him an extra £100 a month too
I should have £287 a month left for petrol/going out/presents/perscriptions/everything else really.
Other half is really good and pays for food etc most of the time.

Need to seriously get back to where i was 6 months ago being very frugal and paying off massive amounts of debt!

Going to amend my sig to show the true figures now! Also going to include my origional debt as it was a massive achievement to get most of that paid off.

Shy x

shy2011

Pay day tommorow cannt wait!!

Lots of budgeting this month! eeeeeek
shy x

shy2011

Abit slow this month with the debt busting - normal payments have come out going to change my sig in a min. Fab news is my car insurance renewal is this month and ive shopped around and it has come down from £160 a month to £52 per month! A MASSIVE SAVING im so excited about that. although had to pay £52 deposit to set it up along with the last payment to my old company a whopping £212 on car insurance this month. Im trying my best to budget this month and stay out of the overdraft. Need to get ebaying again and focusing on busting this debt!!

shy2011

Listed an unwanted birthday gift on ebay - shud fetch some extra pennies. Im trying to get motivated to debt bust more , seems like my money doesnt go very far these days. Im now aiming to get down below the 10k mark. God its such a scary amount. Nevermind i have amazing things to show for thaty money so no regrets. :-)

debtfreewannabe321

you sound so positive shy i'm sure you will get there in no time i'm also finding myself in a slightly worse position (eek!) after buying a new car cos the old one died on us! But we'll all get there eventually (i hope lol)

And i MUST get back on the ebay again too i've got loads to go on and am so unmotivated i can't be a$$ed!

xx

shy2011

thanks for poppin in DFW these new cars ey we have both been hit with needing a new car although mine was an extravagence.
Had some good news a family member owes me some money and is going to be paying it back monthly as apprx £150 a month..i plan to use this to overpay on my loan. Every little helps and its money im not used to having. Wont start for a few months as at the moment im sing anything i get to pay for holiday that is booked for next year. Instead of paying last min and panaking about paying for it we have planned 8 months ahead and wont have a stress on when it comes around. Ive been saving £15 a month for a while and im hoping it will be enough to pay for most of my car tax which is due the end of this month.