Build a new life in 3 yrs.

Orange_Ena

Just say no, No! I don't know how old you are and if you remember that Grange Hill song?!!

Good luck with the studying and the debt busting. It's certainly a very hard journey, with many ups and downs but keep going, you can do it. Think of when your debt free and all the things you can buy then You might not want them then though!

MuffinTops

Orange_Ena wrote: »

Just say no, No! I don't know how old you are and if you remember that Grange Hill song?!!

Along with "What would Zammo do?"

SmithfieldPartDeux

So update on this thread. I'm now 4 years 3 months since the capital one default and 3 yrs and 7 months of no missed payments. I haven't moved job, despite disliking it, its permanent and I'm hoping for a mortgage soon. I put a bid in for an old listed house after spending £800 on a survey, it all turned a bit weird with the estate agent and its now sale agreed to someone else. Cest la vie I suppose. £800 quid still hurt!

Looking at other options. Seen another house for £82k, see what happens, it wouldn't be much more than renting really. I'm lucky with owning my Dads old house I cant raise capital on that. I'm not holding breath after last mess with agent.

I'm about to start module 4 of 8 of the masters, so its almost half done. It's £1160 pounds a module so that hasn't helped matters financially. whilst I haven't been daft, I haven't been as tight as I should have been and christmas is never good is it? I still do everydollar and still have the Dave Ramsey podcast for a bit of motivational propaganda in the morning.

income £1250

I owe
£460 HSBC CC
£1050 HSBC Overdraft
£2500 Marbles

Outgoings.
Rent (incl rates/council tax) £275pm
Electric £75pm (financial quarter)
HSBC Min payment £15
Marbles Min payment £85
Phone £32
Overdraft £10 per month

18 month goals
Default almost gone from credit record and 5 years of no missed payments.

I have to pay course fees this month but once they are done there are no more until September. I just set up an online savings account with HSBC and initially want £650 in there as an emergency fund. After that I am going to clear the debt. HSBC is first at £460.

My 6 month goals are
funded emergency fund. (£650)
House bought.
Masters half finished/paid for

My GF is frankly still terrible with money despite having fingers seriously burnt before (we dont live together yet) I'm thinking of buying her one of the Dave Ramsey books as I'm hoping the talk about security and long term goals etc will appeal to her. I don't want to get to a point that I'm no longer in freefall, but that she couldn't get a credit card nevermind a joint mortgage.

Oh I still can't drive, going back at it slowy as the longer nights start.

SmithfieldPartDeux

My god, I just re-read the start of this thread. I have no idea where I pulled that money from. In fairness juggling work and a masters often feels tough, but reading that made me remember how tough things can get. I remember eating for 4 days on £5.

Hope this thread maybe finds some who is struggling and in the kind of freefall I was in and gives them some hope. I'm still on that debt free journey though. Next step is pay masters and written budget for feb.

ab_saver

I've just read your entire thread in one go and you've come so far!

Just keep swimming! (hope you are a Pixar fan!)

SmithfieldPartDeux

That's very kind of you.

I still feel like I am plodding along the journey but slowly getting there.

The Dave Ramsey stuff has helped the motivation of recent.

SmithfieldPartDeux

So weird mixed day.

Passed last module of exams for masters, I had enough cash ready for next course £1160.

Had been off sick with cold and took weird facial paralysis, it turns its bells palsy, so i'm on 12 steroids at a clip every day, scary stuff, my ex ended up with long term damage, I just hope I caught it early. Life eh? My eye is so annoying!

Still even two face from batman needed a lair, so broker is looking at offer in principle before I put in an offer next week.

Debating masters module next term, I dunno if the stress with help the recovery. Not ending up like this long term just seems more important. I dunno, mad day.

Gonna get some supplements tomorrow and try cutting out sugar.

beanielou

So if you have finished the last module of the Masters(well done) what is the £1160 for?
Hope the Bell's Palsy improves soon.

SmithfieldPartDeux

no that is 3 done of 8. 1160 is for next module.

Thanks for kind wishes for BP.

beanielou

Ah ok. Got you.
Hope my DS's is not so expensive :eek: