One Day I Will .... get debts below £8500 (Debt Diary)

tigzem

onedayiwill wrote: »

As of today, 28th June 2007 my debts are:

Credit Card - £1935.84 (M&S LoB 3.9%)
Loan - £5025.60 (includes interest at 9.9% for duration of loan, 24 payments @ £209.40 per month remaining)

Total debt: £6961.44

Total paid off debt this month: £741.47

Making a total of 36% paid off since 22 Feb 2007.

Goals for last month were:
1. Credit card to be less than £2000 - ACHIEVED
2. Total debt to be less than £7000 - ACHIEVED

Need to think about my goals for this month, will post them later/tomorrow/at the weekend.

Well done you!!!:T :T :T :T Have a :beer: on me.

Really pleased you're making a dent in those debts.... Costa Rica here you come (remember me though.... I'll come for a visit!)

machsmum

:T Just read your posts from start to finish....am now exhausted!!!

What an inspiration you are.....also hoping to make huges dents in my/our debts in next few months, having only just had my LBM.

Will be following your progress over next few months with interest!!

Well done!!!

skysky69

I have to congratulate you on your efforts, I have just sat here and read the whole debt diary and think your efforts are an inspiration. :T

tigzem

Hey OneDay.... just noticed you've not updated for a while.... are you ok?

How's the plans coming along? My brother is looking for a teaching job in Spain at the moment.... he finished Poland couple of months back.

Take care xxx

onedayiwill

OneDayIWill ... Update this thread again!

So it's been a fair old time since I was here. What have I been doing? Why, paying my debts of course.

I no longer have any debt on my credit card.
I still have a positive bank balance.
I still have about £3000 to pay on my loan, but can't pay it off early. I have about £500 saved towards it.

So, things are looking good.

I just want to say to those still struggling:

Just Keep Focused


Mr OneDay continues to be his loving, supportive self. We are busy decorating the dining room at the moment ... needed some TLC as was looking very tired and old. The plan for a move to Costa Rica is still on

onedayiwill

Oh and I forgot...

I still leave my debit card at home. I'm cash only these days. Most days I don't even take cash with me. No cash, no spend. It's great!

tigzem

Hey - great to hear from you..... I was wondering what had happened to you.... fab news re no debt on c/card and having a positive bank balance.... well done!

Keep in touch xxx

onedayiwill

One day I will ... slide back into this thread and update it without anyone realising I haven't done for more than a year

I am debt free now - woo-hoo!!!!! As of 18th May 2009. And it feels great.

I could have been debt free earlier, but once all the credit card and overdraft debt were paid off, Mr OneDay & I decided that I would just continue paying the monthly loan payment instead of saving to pay it off early so my savings could be used towards a 3 month stay in Costa Rica from December 2008 to February 2009. Needless to say we had a bloomin' great time and although it meant my debt free date slipped, it was so totally worth it. Living is important!

Upshot of the stay though was that Mr OneDay decided he is very content with his life here and does not want to move to CR at this time. Which is a bummer for me, because I really want to move to CR now!!!

Still, marriage is all about compromise and he has supported me so well through my depression and debt that I need to give him something now I love my Mr OneDay and want him to be happy, and if that means staying where we are now and putting CR plans on hold, then so be it.

We are in the process of selling our house. Mr OneDay & I have decided that if we are staying here then a change of lifestyle will help my health continue to improve - it improved so much during our 3 months in CR. So that means a change of location, within the same city, so that we can walk to work and to the shops and for socialising, less reliance on car/public transport, more time for me to practice Tai Chi etc etc. Selling our house is not turning out to be too difficult - lots of interest ... finding the right place at the right price... that's a bit more challenging!!!

Anyway, being debt free gives us the chance to do this without stressing too much about money. And I'm so thankful for all the help and advice I received here.

Skint_Catt

Wow great to see you updated - Costa Rica! WOW! Bet that was a wonderful 3 months and congrats on your debt-freeness too Quality of life is certainly a major factor - it was only on TV this morning about the work/life balance and it sounds like you're doing something about it! Good on you!

tigzem

Hey great to hear from you and Congratulations on being Debt Free......Well done :j

Keep in touch.. hope the house move goes well xxx