Time to address the finances...

Aamberle

Hi Sista - Thanks for the vote of support - tbh never thought we would get approved. but we did so yes a good thing :-)
PS - Been reading your thread - you are doing great work keep it going xx

Aamberle

Hi SCP - Thank you for the comments, however probably not doing as well as you think, I have been only putting on here debts I am focussing on..as I get far too depressed with all of it on here ( yes sad I know)...
But yes we seem to be pretty much the same as you, but I am loosing my mojo where you seem to be full steam ahead..I will get there just need a kick up the @@@@ I think. As I am quite impatient and would like it all gone quickly..i.e. as fast as I can seem to spend it ..lol

Have also subscribed to your thread maybe we can keep each motivated ?? XX

sistafromanothermista

Aamberle wrote: »

Hi Sista - Thanks for the vote of support - tbh never thought we would get approved. but we did so yes a good thing :-)
PS - Been reading your thread - you are doing great work keep it going xx

You are too
You're like me in the way that i am impatient and when i set my mind to something i just want it done :rotfl: i keep looking at that '£85' figure on my signature then i'll be in the '18's' and i have £85 in the bank.........i must wait until end of month just in case though:mad::)

Aamberle

Yes you must But I know what you mean I would be exactly the same ( although if I am honest ) I would probably get to the end of next week - and make £6.00 payment so I was in the next pound bracket down:D

squidgychesspiece

We can definately keep each other motivated, it's nice to know someone else is along with you for the ride I know what you mean about wanting them all gone quickly but we will get there. Looks like you've already paid 2 off in full?

Motivation wise I am either completely on the wagon or completely off it so need to crack on while I've got a bee in my bonnet :laugh:

Have you started your ebay listing yet? I can't decide between ebay and a car boot! Hmm...

Oh and any news re your second job? Great that you've bitten the bullet and applied. I used to work 2 jobs a while back for about a year - office in the day and shop in the evening. It was a good giggle!
Hope you had a good day, nearly the weekend...:beer:

Aamberle

Good Morning All, And for a 2nd day the sun is out..yay:

That is absolutely everything ( maybe a few I never mentioned before ) but now here it is laid bare..I had to do it as forgetting a few will never get me out of this mess!

So what have a I done... moved everything I can to 0% cards. I have about £2k that will not be going over. Exact balance to be confirmed once all the transfers go through...yes I am still waiting...then I will focus on the remaining balance where the interests are high..once gone cards closed once and for all! Then I will ask the kind people on here for some advice of where my next focus will be...but hey that should keep me busy for a while :rotfl:

As they say one step at a time...

Have a good day x

Aamberle

OK off to work now as not sure whether I am thoroughly depressed, or actually pleased that I have now been completely honest with myself at how bad things are...will let you know later..once have had time to dwell a little.

slowlyfading

Being totally honest with yourself is the first major step on the way to being debt free so have a dodgy hug :grouphug: for that Well done on managing to transfer most of it to 0% cards - that'll help in the short term and means that you can really make dents in it all without having to worry about interest added. The first thing to do now is to look at the ones which aren't on the 0% interest cards; they're the ones that should be paid off first.

You can put all of that into the snowball calculator and it will tell you which ones to concentrate on first, and also what you expected Debt Free Date (DFD) is

You can do this! Chin up

MummyDrusilla

Hi aamberle!

Good progress with the balance transfers there. You're doing well. even if it's just putting those balances up for all to see (and for you to see in black and white ) it's still part of your journey.

I'm feeling very stagnant right now too with my df journey but I think it's going to be full off peaks, troughs and plateaux and I'm just on a bit of a plateau right now. It's bound to happen now and then and as long as I'm following my snowball calculator I try not to get too down about it. I do like seeing those numbers going down tho and the more drastic it happens, the more I get a buzz!!!

meow5678

Well done for writing it all down in black and white, a huge step on your way to being DF.

Keep smiling, you're doing so well