where to start...

Peabody_2

Hi

i used this site ages ago and I've kind of lost my way. Like most people things are getting tighter each month, the debt isn't going down and I'm getting fed up of it all.

I'm at work at the moment but wanted to get the first post done as it's always the hardest

So.

Hi I'm Pea, I'm 29 and in debt. pleased to meet you

LAM2011

Hello Pea and welcome back :wave:.

Good luck with your debt busting mission. I am just having a look at what challenges I am going to take part in next year as that really helped me focus this year

natlie

hi Pea
Im Nat 32, Im in debt too
pleased to meet you

sickasachip13

Hey Pea,

I'm SickasaChip13, I'm in a shedload of debt.

Pleased to make your aquaintance.

SAAC

(PS. Have you spoken to one of the debt charities about your debt - CCCS were a godsend for us and set out our options clearly and without judgements - they have an online tool you can do)

Deniseg4

Welcome back Pea I've been an MSE stalker for a couple of years, and took my first steps yesterday, so I understand completely!

Peabody_2

Thanks for the welcome. I'll be back later with a bit more info

Pea

Peabody_2

Hi

Right time for the proper post....

A bit about me:

I'm a 29yr old single girl, living with my Mother, could do with losing some weight and I am in debt.

So how much debt.... £17,622.80 (or there abouts) :eek::eek:

Broken down into:

Loan 1 - £3,980 (has another 18 months)
Loan 2 - £2820.79 (has another 2 years)
C/C - £10,822.01 (this makes me feel sick )

Scary stuff however, I have found my way back to MSE :T and I am determind to get it gone this time.

I know I need to do a statement of affairs, but hopefully this will do:

Pay in£1,138.93Rent-£240.00Loan 1-£284.35loan 2-£116.83loan 2in-£25.49RAC-£10.33Lens-£10.00Phone-£22.54Internet-£14.50Car In-£30.12Currys-£6.99petrol-£80.00c/c-£320.00

Now this leaves me with about £22 'spare' a month. Not a lot I know... but I have a feel ideas....

RAC cover, the company I work for gets a 10% discount... so I am going to try and give them a call and see if they will take this off the remainer of annual contract.

Curry's pays for laptop cover, and I'm not sure what to do about it, whether to cancel it or not. My phone is on the best tarriff for me, I make sure and change it every now and then.

So any ideas/thoughts. I know things are THAT bad, but they could be better....

MSE things done today:

No Spend Day
Re-joined MSE
Realised I am going to need to dig out my interest rates :eek:

***hmmm thinks it might be time to start a debt free wannabe diary

Thanks for Reading

Pea

J_Devon

Hi Pea

Welcome back to the forum.

As much as it may seem unachievable, you will get there, and you'll be reading these posts at some point in the future with a big smile on your face feeling very proud that you made it.

Good luck with it all, be interesting to see your progress

J

dark^knight

Hi and welcome on your DF journey. Stay positive and focus on the light at the end of the tunnel.

Cherryjack

Hi pea, good luck with everything

emiesq

Good luck!

Also, you might be able to get cheaper internet. My broadband is around £7.50/month, and very reliable. Not sure if they do the same offer any more, but there may be something that can save you a bit?