Building a better future for myself and my family :-)

MrsBrown30

Hi everyone,

I am posting here because for a few years now we have been in debt. Its spiralling out of control and I have a gorgeous little girl who is nearly 1. I want to build a better life for myself, husband and daughter and need to believe that together we can do this!!

Ok so here is my confession our debts are totalling a massive near 30K eek!!!

Debt 1 - £7500 halifax loan
Debt 2 - £150.00 DP Card
Debt 3 - £3000 Halifax Credit Card
Debt 4 - £3750 Halifax Credit Card
Debt 5 - Mortgage loan (unsecured but runs term of mortgage - £13000
Debt 6 - Car Loan to in-laws £4300
Debt 7 - OD (roughly around 1200) I will have a better figure once I get paid at the end of the month.

So I am looking for help and advice as to what to do and how to tackle the situation, we have started budgeting our food bills, giving ourselves £10 per week spend and thats it for ourselves.

I aim to get our overdraft paid off and credit cards seriously down by Dec 2012!! Wish me luck and lets hope we can all help each other out with tips and motivation.

MrsB xx :T

MrsBrown30

Forgot to say am hoping to do the PAD Challenge starting with paying off my smallest debt of £145 to DP Card - I also want to do the 365 in 365 days challenge too.

I have just made my first ever PAD of £5 to DP - woop feel motivated already - should be cleared in 28 days if i continue to pay £5 PAD

xx

michmcc79

HI!

Its so fabulous you have looked your debt in the eye and told it where to go! Its a great feeling paying off all those little bits and an even better feeling when one has been paid off!

Keep going and keep us posted!

Good luck xxx

Muffin86

welcome to diaryland MrsBrown!! Xxx

chevalier

well done on taking the debt bull by the horns, so to speak.

Have you checked all of your utilities and insurances to make sure you are with the cheapest company?
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