My Debt Diary..
HayleyLou_2
Forumite 31 Posts
Hi,
After a few years of burying my little head in the sand and paying minimum to each credit card, ive hit rock bottom personally - so decided it was time to at last - sort my finances out.
My signature lists my debts to who and how much going to find out the apr when im off over the next few days..see if i can get a balance transfer or something - anything..not really wanting a consolidation loan! Rather keep them where they are.
Ive been in tears, im angry, im frustrated, im confused - nothing to show for my debt. Just tears.
I called cccs who ever a counselling session said i cant be helped becuase i have 'disposable funds' at the end of paying the 'priorities' - which is fine - but im only £40 over..he said to call back if i end up moving out - as the cost of living would rise...and i would be able to go on a debt management plan...There is no way i can move out. So im going to stick with the good old fashioned way of paying back as much as i can - as fast as i can.
So my plans for the next few months are to stay in as much as possible. Which would see the rise in 'disposable funds' hopefully after a while i will have a few quid to throw at one of the cards..
no gym. no casual spends. no shopping. no borrowing money from mum - see signature...(although they did lend me £1400 to get me out of my car finance)
So..this is going to be tough! But i have a date in mind id like to be debt free. I hope i can stick to this. I know i'l try.:money: < if not he will come after me!! xx
After a few years of burying my little head in the sand and paying minimum to each credit card, ive hit rock bottom personally - so decided it was time to at last - sort my finances out.
My signature lists my debts to who and how much going to find out the apr when im off over the next few days..see if i can get a balance transfer or something - anything..not really wanting a consolidation loan! Rather keep them where they are.
Ive been in tears, im angry, im frustrated, im confused - nothing to show for my debt. Just tears.
I called cccs who ever a counselling session said i cant be helped becuase i have 'disposable funds' at the end of paying the 'priorities' - which is fine - but im only £40 over..he said to call back if i end up moving out - as the cost of living would rise...and i would be able to go on a debt management plan...There is no way i can move out. So im going to stick with the good old fashioned way of paying back as much as i can - as fast as i can.
So my plans for the next few months are to stay in as much as possible. Which would see the rise in 'disposable funds' hopefully after a while i will have a few quid to throw at one of the cards..
no gym. no casual spends. no shopping. no borrowing money from mum - see signature...(although they did lend me £1400 to get me out of my car finance)
So..this is going to be tough! But i have a date in mind id like to be debt free. I hope i can stick to this. I know i'l try.:money: < if not he will come after me!! xx
MBNA - £3,800 - TESCO'S £1250 - FIRST DIRECT CC £550 - MINT £1500 - DEBENHAMS (Satander) £400 - Bank of Mum & Dad - £2,800 [STRIKE]Overdraft -£500 [/STRIKE]- account closed. PAID 
Lets do this - im the only one that can
Lets do this - im the only one that can
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Replies
Well done for starting the diary and best of luck. I'm sure you will clear your debts in no time if you look at where you can cut back.
I love the quote in your signature by the way
Emz xx
If i dont do it now i never will. And i dont want these debts following me around anymore.
And - the best things in life - really ARE FREE ..!!! Even a cuppa in the garden...*bliss* xxxxxxxx
Lets do this - im the only one that can
Well done for starting a diary, there a great way to keep you motivated and you will get loads of advise on here
Good luck :T
OP's in 2019 £21000
ISA challenge start 2019 £3000/£1500 (50%)
xxx
Lets do this - im the only one that can