Southwester Debt Free Diary

southwester_2

Decided to keep a track of my goings on

LB Moment - 14-03-07 - Debt 27000

Due to a gambling addiction I put my family into debt and am now working my way out of it. Immediate aim to clear 2 of the debts, Flexi Loan with HSBC of £1996 plus Halifax of £2504.00. I have since taken a part time job and earning roughly £180 a month, by the time my 0% runs out and with the monthly payments made, I will have the £1800 pound saved plus I earn exra from car expenses of approximately £75.00 - £100 a month, therefore by December should have cleared these two off. I will then work on the Barclays loan which by then will be £3900. Finally the bigger debt with Tesco which is currently £17000.00 ish.

First expenses went into savings account this week - £80.00, will get first payment for part time job May 1st of - £180 ish.

Have got a TV for sale (cant find remote though) so probably only £20 from that.

The good news it is now nearly a month since I had a bet and dont even want to, having put my wife through hell when it all came out.

All my money is now handed to the better half who seems happier now I have taken on the extra work and am at last coming to terms with my problem.

Will update on a weekly basis only.

Take care all!!

southwester_2

I know I said I would update this weekly but have just saved £40 on my car insurance by haggling a little, well a lot actually but it all helps

Snaggles

£40 is a good saving, well done you for haggling!! Every little helps

southwester_2

Just shows things can change, just been told my tax code is going down

Not good news

Snaggles

That's happened to me this year too - I don't really understand why but something to do with work benefits. I'm on maternity leave now so I'm not sure what impact it will have, but it's annoying.

Did you manage to sell the TV?

southwester_2

TV is in perfect working order and is a 24 inch screen but cant find the remote, which whoever buys it will need for tuning in - aagghh

Snaggles

Oh that's a pain - our remote went down the back of the sofa the other day - we had to turn the sofa upside down and make a small hole in the bottom to get it back out! Have you checked down the back of yours?

southwester_2

Yep its completley done a paul daniels on me!!

Becks_in_Debt

hi southwester, i have just found this thread and thought i would join as have kind of known you from the beginning (if you get what I mean). I am going to send you a PM as I want to ask you something that not sure weather to ask on here or not so will just to the polite way. I am really glad you are keeping a diary of all your good work.

southwester_2

OK Becks - you can ask on here if you like I have nothing to hide or PM me

Becks_in_Debt

Just a though southwester, have you thought about reclaiming back the last 6 years unlawful bank charges, I have just started and in a very rough patch A & L took out of our 2 accounts £2,302.00 in charges, no matter how small the claim every little helps, in 6 mths they took out £700 in one account and the rest came out of the other account in the space of 6-12mths. With interest I am claiming back for £2,647.23 from them. worth a go