Debt Free by Dec 2015.............

[Deleted User]

Hey HMH,

I'm good honey thanks for asking.

Just looking forward to getting paid so I can get rid of some more of this debt!

Sitting having a wee munch watching X Factor.

Think I will go to bed soon I am kinda tired.

Hows you been?

Dxxx

[Deleted User]

Oh god I feel like crying!

Im so mad at myself for taking the easy route when I was younger & now Im really paying for it.

I just worked out all the money & its just so depressing having to count all the pennies.

I have a couple of nights out planned but I just hate having to say that I cant afford to do anything.

1 month closer to debt freedom though!

Dxxx

Scuff

Hey lady, keep your chin up I know it's awful now when you sit feeling guilty for spending £1 here and there but in a short while you'll be able to do what you want without the sleepless nights that come afterwards, knowing that you shouldn't have. Keep plodding on til then 1 month at a time!
xx

[Deleted User]

Thanks scuff - feeling better already just needed a wee vent I think.

I always have this feeling when I work out the finances cos when you see how much comes in then how much goes out it is actually awful!!

Oh well 1 month down many more to go!

Dxxx

Scuff

I read that the first time as you just needed a wee... thought 1) thats very nice thanks for sharing and 2) why does that make you want to cry?? Then I actually engaged my eyeballs and read what you'd put... :rotfl:

[Deleted User]

Hahahaha you are mad!

I've been having a wee look through the other parts of this forum & saw the save £2012 in 2012 & was thinking about doin something like that for 2013 though instead of saving it making it that I will pay an extra £2013 off my debt in 2013!!!!!!!!!!!!!

I am defo gonna give this a try.

So if I am gonna do this then from January that means that I will need to pay an extra £167.75 off each month.

Ok can you tell I love having a wee challenge to keep me going!

I am gonna write down what my minimum payments are for everything then I am gonna work towards this extra target from January 2013 onwards.

Dxxx

p.s I have now noticed how much I actually use the word wee!!!

p.p.s - I do actually need a wee LOL

[Deleted User]

Ok so pay in & pay out day has finally arrived.

This is my monthly totals update.

1) 2230.23 - Int Fee
2) 8199.40 - Fixed Balance will not change
3) 1300.00 - Int Free for another 12 Months
4) 387.70 - This one may change every month

Totals £12,117.33

At least next month I will be into the 11k barrier!

Total paid off this month £396.57

Dxxx

[Deleted User]

Oh I am freezing!!!

Just sitting in the house watching doomsday preppers with my heating on full blast - not very MSE I know but by jings it is cold tonight!!!

How was everyones halloween?

I bought loads of stuff in last year, carved pumpkins & everything & not one person came to my house so this year I though och sod it not buying anything - My door did not stop chap chap chapping all night - didnt answer it once LOL

Dxxx

Scuff

Hello there have you managed to find anywhere to move to?? Whereabouts will you be moving to? xx

ps I hope it was you that said you were moving to England... otherwise I look like a nutter again!! :rotfl:

[Deleted User]

Nah its not definate yet.

OH has applied for a job which if he gets we will need to move probably to Bury I think.

Dxxx