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TDR Journey to freedom

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thedailyreal
thedailyreal Posts: 8 Forumite
Eighth Anniversary Combo Breaker
edited 4 December 2011 at 3:56PM in Debt free diaries
“Some debts are fun when you are acquiring them, but none are fun when you set about retiring them.”
-Ogden Nash

I have been living a life of not taking on the consequences of my actions and sadly my bank account has taken a hiding.

At one point I had a decent saving but I am now in debt of c.£17k - its strange to think that a man that has hit 30 does just not realise the debt he is in.....

Liabilities
Cards £10k
Loan £6.7K

Assets
Shares £6k (from 12k - its been a tough year)

Total 10.7k
“Some debts are fun when you are acquiring them, but none are fun when you set about retiring them.”
Weight [STRIKE]100[/STRIKE]98kg - goal 82kg
Debt 10k - Debt Free Date 31/12/12 (optimistic)

Comments

  • thedailyreal
    thedailyreal Posts: 8 Forumite
    Eighth Anniversary Combo Breaker
    edited 27 November 2011 at 2:57AM
    Goals of this diary:
    * To become DF by end of 2013- there is a good chance I will reach this point sooner but I will be gutted by any later
    * Weigh 82 kg from 100kg
    * Completre a sub 2:30 Olympic triathlon
    * Post every day how much I have spent for the day and why - so I am accountable to myself
    * Track all my bad eating habits
    * Track my exercise habits
    “Some debts are fun when you are acquiring them, but none are fun when you set about retiring them.”
    Weight [STRIKE]100[/STRIKE]98kg - goal 82kg
    Debt 10k - Debt Free Date 31/12/12 (optimistic)
  • Spent £30 today
    £15 on a 30mile cycle event,
    £10 on pre race stuff and £5 after.

    Pay day tomorrow soa to follow on the weekend as I have to work...

    Looking forward to some NSD as I am travelling for work
    “Some debts are fun when you are acquiring them, but none are fun when you set about retiring them.”
    Weight [STRIKE]100[/STRIKE]98kg - goal 82kg
    Debt 10k - Debt Free Date 31/12/12 (optimistic)
  • £10 spent on the last 2 days, always promising.

    Looking forward to the balance transfer and consolidation of my credit card debt into one card at an interest free rate.

    Holiday in 2 weeks and a good mates wedding should be fun
    “Some debts are fun when you are acquiring them, but none are fun when you set about retiring them.”
    Weight [STRIKE]100[/STRIKE]98kg - goal 82kg
    Debt 10k - Debt Free Date 31/12/12 (optimistic)
  • Work Christmas function meant little change out of £50 - had been so good this week spending £5 a day. Tonight is winter wonderland and 30th birthday and a farewell... also playing squash so again looks like an expensive one... SOA to be posted later on - although not sure of my current salary after revised benefits
    “Some debts are fun when you are acquiring them, but none are fun when you set about retiring them.”
    Weight [STRIKE]100[/STRIKE]98kg - goal 82kg
    Debt 10k - Debt Free Date 31/12/12 (optimistic)
  • Definitely need to get a daily buget tool on my phone to track my expenses as again last night I am lost track of my spending - This morning I realised it was £45 so during the week I spent £20 on lunches and £20 on travel now £100 on the weekend.

    My balance debt is on one card so I get to close down my other cards and apply for a card that will actually benefit my by air miles etc - looking forward to it
    “Some debts are fun when you are acquiring them, but none are fun when you set about retiring them.”
    Weight [STRIKE]100[/STRIKE]98kg - goal 82kg
    Debt 10k - Debt Free Date 31/12/12 (optimistic)
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