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I want to be debt free!! Help!
Comments
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angel31572 wrote: »What about the SOA? Where should I post that? Or do I send it to someone privately?
Thats up to you. If you don't want to display it publicly you can PM myself or LA probably won't mind but you don't have to feel embarassed or ashamed on here. We are all in the same boat.
Also if you want to include your vitals statistics I'll check them out at the same time!0 -
Thanks, it does make sense. I'm just a bit overwhelmed by it all. I don't actually have many unnecessary expenses. my money is wasted on the £600 debt repayments which aren't going down.0
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I would say, if you can do it, post it publicly as you'll get so many points of view and it's all totally anonymous.
I would be able to point out a few bits & pieces no doubt (and wouldn't mind at all) but I might miss things that others would pick up on or give a different perspective on.
Get the most for your 'money' and stick it on for all to see if you can!Bank Balance: In the black for the moment.
Sainsburys Loan: Cleared July 2010
Credit cards: AMEX Airmiles Card: direct debit set to clear balance monthly
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Also if you want to include your vitals statistics I'll check them out at the same time!
:rotfl:0 -
angel31572 wrote: »Thanks, it does make sense. I'm just a bit overwhelmed by it all. I don't actually have many unnecessary expenses. my money is wasted on the £600 debt repayments which aren't going down.
You probably need a hand with the snowballing thing then.
So we do need your SOA so the actual debts with their % APRs so we can work out what needs to go first.Bank Balance: In the black for the moment.
Sainsburys Loan: Cleared July 2010
Credit cards: AMEX Airmiles Card: direct debit set to clear balance monthly
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LookingAhead wrote: »I would say, if you can do it, post it publicly as you'll get so many points of view and it's all totally anonymous.
Okay, I will spend time putting it together and post something then. I really appreciate the time you have taken, both of you. :T0 -
you are in debt for a reason, stop spening money that is not yours. easy.If you aern that amount, id have thought u werent stupid, so get a grip!!!0
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You're welcome!
But, I would recommend some sleep very soon!
Speaking of which I have to hit the hay now but I will be keeping an eye out for your threads and SOA!
PM me if you need any advice but you will find squillions of people on here who are very happy to help out with anything debt related (and beyond!).
Night angel - I hope you sleep well.Bank Balance: In the black for the moment.
Sainsburys Loan: Cleared July 2010
Credit cards: AMEX Airmiles Card: direct debit set to clear balance monthly
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aceinvader wrote: »you are in debt for a reason, stop spening money that is not yours. easy.If you aern that amount, id have thought u werent stupid, so get a grip!!!
Yes that really helps. :rolleyes:
Angel, I reiterate, you *will* find really helpful people on here I promise!
xxxxBank Balance: In the black for the moment.
Sainsburys Loan: Cleared July 2010
Credit cards: AMEX Airmiles Card: direct debit set to clear balance monthly
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aceinvader..go get a life. Yes, I am intelligent. You do not know my circumstances. Now, run along and play.0
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