One debt at a time

Sar

Seashell, I have put your debt into the first post to help us keep track, its nice to have a 'challenge buddy' to help keep me going! Good luck x

Sar

Slight change of plan, having sat down and looked at all my debts the one with the highest APR is not the one I had originally thought... It is a much larger debt so more daunting and will take longer to pay off but I am determined! Am going to use 'Payment a Day' (thank you curestkids for the idea) to start making small dents in it so fingers crossed will be able to update with a smaller total soon!

SEASHELL

I think it's all about baby steps, I've spent so long putting things off because it was so overwhelming that I've done nothing about my debts. I'm going to forget all about my other debts other than making minimum payments and concentrate on getting my 1st one paid off. I look forward to getting started and making inroads into what I owe

sistafromanothermista

Thats a bum:( But keep motivated and it'll be a distant memory in no time

SEASHELL

Aw you'll get there Sar, we both will. I'm gonna sit down over the weekend work out how I'm going to tackle things. I'm feeling motivated and terrified in equal measures. I've spent so long with my head buried that it's quite scary to finally face up to things

nyc_451

When I was a teenager I had some problems at school and didn't want to go there, so I sat in front of a TV one late night because I knew I wouldn't need to wake up in the morning anyway. And on one silly show I heard a very simple thing which got into my head: everything is temporary, whether it's good or bad; nothing lasts forever. So the next morning I actually went to school and did things that I didn't want to do with that thought in my head - was standing in front of the class full of fear and thinking: yes I'm afraid, but I just need to wait for this moment to end, then I'll sit down and be just fine.
And today I get a crappy salary and have to sacrifice most of my pleasures to save some money for things I need, and when my friends pay for the nice things with their credit cards and I can't afford it, I just remind myself that it's not going to be like that forever... It's just this moment that feels bad but it will end soon.

I am not in a debt but I also have to do a budget and live on basics as I need to save a few thousands to get something that most people already have, so I might understand you a little bit.

Good luck.