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Owe just over £10000 to 28 different companies

12346

Comments

  • Timetogetfree
    Timetogetfree Posts: 25 Forumite
    nrsql wrote: »
    Well done.
    How much does that save?


    Its saving me about £4 a day i reckon. Needs to be done. Already feeling the benifits of having more energy, that could be not smoking or eating better aswell. Total change in lifestyle for me.
    Starting Debt £10645.95
    Remaining Debt £10075.57
    Total Paid = £570.38 paid so far :T
    5.6% paid off

    Extra income from other jobs = £60.00
  • Timetogetfree
    Timetogetfree Posts: 25 Forumite
    NinjaSavingKat wrote: »
    Very interesting post.. gonna subscribe if you don't mind. Seems like you are making some serious progress here - its inspiring! Well done on kicking the bad habits though.. that must have been / must still be tough....


    Thanks. My aim when i came on the board was to show progress in getting down my debts. Although its now turning into a total lifestyle change for the better. I guess there are people in worse positions then me but i just saying how i am dealing with things etc.

    Guess the point i want to make is that people hide debt away from friends and family etc and i dont want people to judge me on the debt i have. For me its about turning my life around and becoming the person who i know i can be and then i can hopefully go futher and offer other people advise on many of the issues i have had in my life and hopefully overcome.

    Thanks again and i will carry on with the updates.
    Starting Debt £10645.95
    Remaining Debt £10075.57
    Total Paid = £570.38 paid so far :T
    5.6% paid off

    Extra income from other jobs = £60.00
  • HeadAboveWater
    HeadAboveWater Posts: 3,941 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Please do keep us updated!!! :)

    This forum is like an online 'confession' type thing!! Nobody in my day-to-day life really needs (nor prob wants!!) to know the ins and outs of my spending/saving habits, but yet it is good to have the help and support you sometimes need. And definitely this is not a judgemental forum! :)
    Wealth is what you're left with when all your money runs out
  • Little_Miss_Winner
    Little_Miss_Winner Posts: 4,168 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I've subscribed too... Your'e doing brilliantly!! Keep it up!
  • Timetogetfree
    Timetogetfree Posts: 25 Forumite
    Total paid off so far in last 6 weeks is 570.38

    Just under 6% of total debt in 6 weeks paid.

    Also just to inform i will be making £200 less payments this month as i have a wedding i cant miss due to close member of family. So gotta buy a suit, hotels etc.

    Hope your all doing well on becoming debt free. Also i think i will be clearing 2 of my debts this month which will take it down to 26 left to pay.

    Loan Store 357.57 now at 143
    MM finance 427.55 now at 277.50
    accessfastmoney 300.60 now at 250.60
    CapitalFinanceOne 356.63
    CashConverters 507
    Cater forbes - uncle buck 30
    EON 948
    1MonthLoan - Mmfinance 347
    FancyaPayday 216.39
    Lowell 150.78
    Mackenziehall - Peachy 211.75 now at 105.87
    3 mobile 83.52
    The MoneyShop 231.85
    Payday uk - MemCapital 500
    BT - Past Due 225.38
    Quid24 300
    Txtloan - Fredrickson 402.25
    wagedayadvance - mmfinance 794.62
    wonga 923.12
    halifax bank 150 now at 100
    halifax credit card - 1st Credit 1423.08
    Paypal 400
    Ebay 30
    Bonga Loans 640
    Advantis - Txt Loan 272.52
    Starting Debt £10645.95
    Remaining Debt £10075.57
    Total Paid = £570.38 paid so far :T
    5.6% paid off

    Extra income from other jobs = £60.00
  • ajbell
    ajbell Posts: 1,151 Forumite
    Why is your income only £1803 when you are on £37k. There is 300 or 400 short. I earn about 35.5k and i get 2150 a month.
    4kWp, South facing, 16 x phono solar panels, Solis inverter, Lincolnshire.
  • Igamogam
    Igamogam Posts: 6,028 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Combo Breaker
    ajbell wrote: »
    Why is your income only £1803 when you are on £37k. There is 300 or 400 short. I earn about 35.5k and i get 2150 a month.

    Maybe OP has other stoppages - occupational pensions, AVCs,occupational health insurance etc etc
    Be the change you want to see -with apologies to Gandhi :o
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat' :) ;)
  • ajbell
    ajbell Posts: 1,151 Forumite
    Igamogam wrote: »
    Maybe OP has other stoppages - occupational pensions, AVCs,occupational health insurance etc etc

    Must be a lot as i have £125 sharepurchase and 6% pension and union fees.
    4kWp, South facing, 16 x phono solar panels, Solis inverter, Lincolnshire.
  • Igamogam
    Igamogam Posts: 6,028 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Combo Breaker
    ajbell wrote: »
    Must be a lot as i have £125 sharepurchase and 6% pension and union fees.

    Plus 40% tax rate over £35001 will have effect on OP...........:(
    Be the change you want to see -with apologies to Gandhi :o
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat' :) ;)
  • ajbell
    ajbell Posts: 1,151 Forumite
    Igamogam wrote: »
    Plus 40% tax rate over £35001...........:(

    No. Its higher than that and it would not mean that you would take home less if you earned more.
    4kWp, South facing, 16 x phono solar panels, Solis inverter, Lincolnshire.
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