Getting professional help to beat debt. Diary

LAM2011

HI GMOOD,

the important thing is that the debt is still going down even if you had a lower pay this month.

Its great to see it below £10k isn't it - I have managed to get below £5k now but as usual there are a few knock backs again this month.

Have a good weekend. x

LAM2011

Oh and well done on £79 on nectar - wow I have £20 which I am rather pleased with lol. Saving mine for Christmas (hopefully). That reminds me - off to watch adpoints

Getmeoutofdebt

Thanks for popping in LAM! Good luck with your adpoints! Do you do Nectar canvass too? I'm addicted to making nectar points! Its free money! Yay!!

debtfreewannabe321

wow i'm impressed with the nectar points! I never seem to have any on mine :eek:! And keep going, LAM is right the debt is going down so it's headed in the right direction still. It's frustrating when you can pay off as much as you had set your heart on but still be proud that it's going the right way! xx

Fortune_Smiles

Just popping by to say "Hi" GMOOD. I've not had the chance to catch up on diaries much recently.


Fortune x

Getmeoutofdebt

Hi Fortune,

Thanks for popping in!

I feel like things have come to a standstill again on my debt payments. I know in my mind it's going quickly but it just doesn't FEEL like it is. I am getting impatient and want it all to be paid off.

Things keep popping up that I have to pay for and it frustrates me that I can't pay that money off my debts. This month I have 2 birthdays, car MOT and my summer holiday which is the only holiday of the year and is 2 days camping and I'm still panicking as I can't really afford to go! :mad:

In the meantime the nectar points are at £82 and I'm about 80 points away from my next fiver on Swagbucks.

I am still concentrating on paying off my lowest Barclaycard and have got it down from £3100 last payday to £2660. I bumped into a family member last week who had forgotten my birthday and gave me £20. I paid that straight off. I've also been paying off whats left over (if anything) from my grocery budget each week. I am aiming for my Final debt payment to be in February so it's less than a year to go and this year seems to be flying by, June already, but still at the same time my journey to debt freedom seems to be dragging!
I wonder if everyone else feels like the final year of their debt plan is the hardest?

shinner

Keep going you are doing fantastic. It is because you are so close. Just think this time next year you will be free !!!

LAM2011

Getmeoutofdebt wrote: »

Thanks for popping in LAM! Good luck with your adpoints! Do you do Nectar canvass too? I'm addicted to making nectar points! Its free money! Yay!!

Not heard of Canvass - will have a look into it - cant be doing any more surveys if that is what it is.

Getmeoutofdebt wrote: »

I feel like things have come to a standstill again on my debt payments. I know in my mind it's going quickly but it just doesn't FEEL like it is. I am getting impatient and want it all to be paid off.

Things keep popping up that I have to pay for and it frustrates me that I can't pay that money off my debts. This month I have 2 birthdays, car MOT and my summer holiday which is the only holiday of the year and is 2 days camping and I'm still panicking as I can't really afford to go! :mad:


I wonder if everyone else feels like the final year of their debt plan is the hardest?

I know exactly how you feel - its like so close yet so far. I have had some unexpected costs again which has meant not being able to overpay as much as I would like but then I have to remind myself that at least it has not gone on the credit card!

Getmeoutofdebt

Thanks everyone for popping in, yes LAM it is surveys but the points go instantly on your nectar card overnight so I like it better than other sites where you have to save them up to withdraw. Plus you don't seem to get kicked out as much as other sites.

Talking of surveys, I did a totting up today of what I have earned this year so far and am at £86!! And I have £88 on my Nectar card so in total £174 this year so far!! For free!!! Suddenly seems a bit more worth it!! It is really boring filling all the surveys in but you can't knock £174 of free money can you? Hubby was asking if I will carry on with the surveys once I'm out of debt but to be honest I don't think I will. It's so time consuming. I guess it is worth it when you are struggling for money but I don't think that the need to save these little bits will be so great once I'm debt free!

Have a great weekend everyone!!:T

shinner

Think I will try nectar canvas tomorrow once I find my nectar card details. Are the surveys long on there ?