Stephie's 100 Strokes of the Brush before Bed

rdchick

In June 2011 when I decided that I had a bit of a debt problem (when I thought I was going to get a default from my o2 account)

I had paid off:

• Current debt: £7282
• Current amount paid off: £502
• Current weight: 195lbs
• Current onepoll balance: £6.15
• Current eBay total: £180.82

(this didn't include bank of mum and dad as I wasn't actually paying them anything but owed them about £1800!)

Today 8 months later my balances are:

• Current debt: £6983.62
• Current amount paid off: not entirely sure as completely fell off the wagon just before xmas with a new credit card and studio account!
• Current weight: 185lbs
• Current onepoll balance: £15.40
• Current eBay total: No idea. Sold a lot since June!

So yeah... Think I have done quite well, kept myself out of gaining more debt that I was in June, lost 10lbs and got a healthier onepoll balance (only just started up again) I think I really stopped debt busting in September so just been paying the minimum payments etc since then and paid off my New Look account (and closed it) got a new credit card and signed up to studio (where I got my balance over £250 quid!) so don't feel as rubbish as I did xxx

rdchick

Just paid off my credit card.

Minimum payment is due on Wednesday... what do they do if it's all paid off? take it anyway?!

Can't believe it's paid off!

kerri_dfw

rdchick wrote: »

Just paid off my credit card.

Minimum payment is due on Wednesday... what do they do if it's all paid off? take it anyway?!

Can't believe it's paid off!

Phone your bank and cancel the direct debit

rdchick

Okies yay!

kerri_dfw

Oh and I completely forgot to say Congratulations :D:D have you cut it up yet to save temptation?

rdchick

It's the one I am keeping to keep me away from payday loans but I have cut up the other one

and thank you ! xxx

rdchick

As from today I can officially teach English as a Foreign Language! Finished my 120 hour course and with my degree I can teach English anywhere in the world feels great to know it's all done. This week I will book my Maths exam too xxx

rdchick

Paid another £10 to Studio yesterday... the balance is down to £129 now They have raised my credit limit up to £400... it's ridiculous I started with £150 in December! No wonder how people get into stupid amounts of debt. Also cancelled my Next account. Never used it and didn't realise when you sign up to the site they open one automatically! Be glad when the debt is all gone and I can close them all! xxx

rdchick

Think I should tell my mum about my debts, not because I want a hand out or want to make things easier but I know that she would want to know if she knew... if that makes sense?

My parents have always been super careful with their money, mum has a spending diary and everything but I never took their advice, I have never asked for help financially and I guess that's partly why I am in the mess I am.

Scared they will be disappointed but I guess that's the worse they can be...

debtfreewannabe321

Hi Stephie :wave:

Yay your back :j good to see you've paid off some of your debts I'm such a fool! I never subscribed to your diary properly will do now though:rotfl: And good luck to getting fit for RAF, DH is in the army and has debt they've never said anything to him. When we joined they told us we couldn't have any but they never did checks?

Right anyway, off to subscribe and will pop in to see how you are doing