It starts here!

aNom

So after a bit of a wake up call I have decided to get debt free within a year! After a bit of adding up it would seem I owe £4436, (with £1440 due to be SB by November 2012)

I have agreed to repay one creditor back in 3x £266.34

elantan

is this thread then going to be your diary? good luck with it all

aNom

Thanks, I do hope so. Even if I haven't posted in a little while due to having an operation on my big toe recently! Ouch.

I really need to sit and work out exactly who I owe and how much. Think it's about 5k

elantan

get the pen, paper, calculator and coffee ready ... pull out all the paper work , open all the envelops ... this is the start ... where you go from here is up to you ... good luck ... let us know if we can help

aNom

Current total stands at £3970.13, but I'm sure something is missing. Aiming to be debt free in 8-12 months which should be doable!

elantan

thats not too bad at all ... swap ya:D

aNom

elantan wrote: »

thats not too bad at all ... swap ya:D

Thanks fot the offer but no thanks

elantan

darn i thought i had got away with it there as well ...

so what ya gonna do to clear it all ?

aNom

I work full-time on a crap wage but I'm also a web developer in my spare time so I'l be looking for freelance jobs. Working 24/7 lol.

elantan

good for you ... have you done the dreaded S.O.A ? how about snowballing? infact all the usual suspect questions .... have you done them ? you dont need to post them, just doing them and knowing where you are and what wee changes etc can be made can make a huge difference to your dfd

aNom

I fear what I would find if I did the SOA