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Girl, 23, Debt Free Wannabe
Comments
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Friday 4th November
Hopefully QQ should be sorted soon, had yet another conversation with them and still don't feel too confident with them. Still feeling very stressed out with the other Paydays and my phone has been cut off. I guess I'll have to cope without for a while as it isn't high up the list right now.
Feeling very run down, and have the startings of a cold, temperature and aching and tiredness so far but I bet that tomorrow it will come out completely.
Worked out that if all my Ebay lots sell for the minimum amount then I will get £100, hopefully will get more though, fingers crossed for now.
I hate how negative I'm sounding, it's not like me to not feel as though I can do anything or get out of anything, but the last couple of weeks have not been good to me. Hope something better is around cornerDebt Free Wannabe, aged 23 LBM:10/10/2011
CC1 £483.54, CC2 £233.27 CC3 £2489
EDL £2000 M&D £12000 OD £1100 PDL £2000
Paid off % of total:eek: /£20305.81
I want to be Debt Free by 25 :j
Money earned outside of work in 2012 £200.890 -
keep going purple. its hard but only gets better i promise xxDFW - Debt Free Date July 2013, LBM Oct 2011
Total Debt Sept 2011 £23,708.39
Paid so far £2,383.91 :money:
Current Debt £21,560.56
0 -
HI Purple - keep going
You will get through this. You might feel bad about your debt, but I wish I'd learned at your age how to manage money better. Your whole life is ahead of you - this is just a blip..... in the grand scheme of things....
Hope you feel better soon. Never easy to stay cheerful when you feel under the weather and the financial cosh at the same time!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.4K updated 8/5/260 -
Thank you prettypaula and savingholmes, I have 2 paydays to hopefully pay off tonight, and I have earnt some cashback through Quidco and over £40 from Ebay sales, and I have used some of that to buy some toiletries I have run out of (and also gained cashback by shopping through Quidco
) and to buy some Xmas presents for my family, which to be honest I thought I wouldn't be able to afford this year at all.
This forum has been amazing, and has helped me out so much. If I wasn't on here I would probably still be in a debt spiral and relying on huge loans to get presents and all the while stressing and getting sick through worry.....Debt Free Wannabe, aged 23 LBM:10/10/2011
CC1 £483.54, CC2 £233.27 CC3 £2489
EDL £2000 M&D £12000 OD £1100 PDL £2000
Paid off % of total:eek: /£20305.81
I want to be Debt Free by 25 :j
Money earned outside of work in 2012 £200.890 -
Hi purple - nice to see you so positiveAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.4K updated 8/5/260 -
I feel it even more now - QuickQuid are gone from my lifeFeels amazing! Debt Free Wannabe, aged 23 LBM:10/10/2011
CC1 £483.54, CC2 £233.27 CC3 £2489
EDL £2000 M&D £12000 OD £1100 PDL £2000
Paid off % of total:eek: /£20305.81
I want to be Debt Free by 25 :j
Money earned outside of work in 2012 £200.890 -
Wednesday 9th November
£88 made so far this month, well on track for £10 a day. And cleared a few things too! Some little part of me thinks, maybe I can clear my debts before I'm 25 and it isn't just a nice little idea in my head
Debt Free Wannabe, aged 23 LBM:10/10/2011
CC1 £483.54, CC2 £233.27 CC3 £2489
EDL £2000 M&D £12000 OD £1100 PDL £2000
Paid off % of total:eek: /£20305.81
I want to be Debt Free by 25 :j
Money earned outside of work in 2012 £200.890 -
Where've you gone? Hope you are okay?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.4K updated 8/5/260
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