Hypno's kick up the backside debt diary....

benbenandme

To have already paid off over £9k this year is amazing !! :j Thats over £1k a month and to keep it up consistently is phenomenal :beer: WELL DONE YOU !!!:D

hypno06

I just need to work really hard to keep paying off £1000 a month. If I can do that then I will be fine, but it is no mean feat - I need £1400 a month just to make my minimum payments so rely heavily on ebay, matched betting and all the other bits and pieces that this board helps me with! I would hate to think where we would be without DFW!

Oh, BTW I forgot to mention, I have an interview for tutoring on Thursday morning. They have already taken up references so fingers crossed. I have said I can deliver "an interesting and motivating workshop" - just hope I can do the same in my interview

Karmacat

Absolutely - over £1k a month! When things are so tight! Its absolutely phenomenal, hypno, I really admire that - my debt is much smaller, but if I was managing to pay off at that rate, I'd almost be debt free now. Well done!!:T :T :T

hypno06

Hi KC, well although I am really happy to be paying over £1000 a month off, because it is not really anything other than making my minimum payments we don't really have a lot of choice - if we don't pay it then we have to go down the DMP route, and as you know I have battled with that decision before, and don't really want to do it!

So, if £1400 is what they want, £1400 is what they have to get and that is what we have to find somehow! It's ok, we don't mind eating pasta :rotfl:

The difference this year though, is that we haven't made the minimum payment and then spent on the cards again to take them up to their max - before we couldn't manage to "live" without using the cards, having spent all our income before on the mininum payments, there was then nothing in the bank for food and petrol etc so it went back on the cards. Now I have discovered meal plans, stardrops, matched betting and ebay etc etc I can manage more without using the cards, although I won't pretend that we can yet get through every month without using them - as you will have seen from the up and down of my totals!!

Just shows though that those tiny steps do all get us there.........eventually!

Seaxwyn

Hypno, you are always an inspiration and a reminder that it can be done. I take great comfort just knowing that you're out there and struggling with a similar situation to me and never giving up. You do much better with all the extras, matched betting and mystery shopping and the like, you deserve to beat me to 35k.

Karmacat

_pale_ _pale_ £1400 is the amount of your minimum payments??? Thats .... terrifying. And thats with your debt halved? I'm speechless, actually, I don't think I could cope with that! I'm off into town now, still struck dumb - but have a good :money: day - and a :beer: day too!

hypno06

Yep, that's the sum - a couple of years ago we were paying far far far more (don't even want to think of the figure) :eek: But still we somehow managed it, although back then I did have a wage coming in which did help, although certainly didn't cover it!

Seaxwyn - you are as much of an inspiration to me as I am to you, and don't forget it. As long as we both get to £35000 that is all that matters. I was relying on my barclays refund to help with my target so that is now on hold, but the race is still on (albeit a steady jog rather than the trot I was hoping for!!)

Right, first client due in 20 mins and I am still in my dressing gown :eek: Better get a move on, putting the kettle on as I head upstairs!!

redsquirrel80

Seaxwyn wrote: »

Hypno, you are always an inspiration and a reminder that it can be done.

Yes, you are, as are a lot of people on here. As a relative newbie I haven't followed everyone's journeys from the start but it's an incredible testament to how people can achieve things when they put their minds to it, not to mention how you can completely change your view on life and what's important. Paying off £9k is astounding to me, but reading things like that makes me more determined to get on with it and be debt free. It's the inspiration of people like you that have meant I haven't been over-overdrawn for about 9 months, when it used to be common (I started reading the forum a while before I joined up).. the last couple of months I've even had a little bit left by payday :j I'm starting to think more long term - about what I'll be able to do once the debt's paid off, and how to get myself more 'comfortable' in the long term - which is something I've never been very good at!

Anyway, I'll stop rambling now! That's great news about the interview - hope it all goes well. Have a good day x

atypicalblonde

Hi Hypno! Haven't been online for a while, just wanted to pop in and say hi, hope all is well with you (have only skim read the last few pages of your diary). Hope the neck is better and have a lovely weekend x

LookingAhead

hypno - just another little voice piping up to say you definitely are an inspiration.

Good luck for Thursday - I am sure it will be fine and there will be some more cash coming in soon for you. You will let us know won't you?

La x