Young And On A Mission!

urstuffplz1

Hi there everyone, my name is Stephen. I'm 19, 20 in March and have gotten myself into debt, although all is manageable.

About myself: I'm young, from Cornwall and have been in the Armed Forces since I was 16. 3 years to the day on the 3rd of January. I have an absolutely amazing fiancee called Zoe, who i've been with 2 years on the 1st of January! My job is alright I suppose. I work in telecommunications, but i'm at the point where i'd like to leave, and can't till i'm 21. So at the moment i'm doing Open University to do a degree in computing and IT, to potentially give me more options when i'm back into a more normal (if that's the word) life.

Anyone, onto my money which this all about. I have been quite stupid. As i'm young I have no real commitments, so I spend and have got myself 2 loans and a nice credit card bill, although 0% for another 6 months or so.

At the moment I owe:

• £3800 Loan - 39/40 more months
• £1400 Loan - 10 more months
• £150 Fiancee's parents - Paid of this month.
• £80 Friend - Paid off this month
• £800 Credit Card 0% for 6 months?
• £250 Overdraft - was £600
• £550 Laptop - 0% until May.

Overall, it's not to bad. But if I want to get out the Army when I am 21 (years notice so almost 22 when offically out) then I want to get this started and cleared sooner rather than later.

Anyway, that's enough of me rambling on. Time to get my head into gear and get some spreadsheets sorted.

urstuffplz1

Worked out by the end of the month i'll owe areound £6500. If I make overpayments of just £250 a month i'll have my debts cleared in 12 months! Nice, easy and manageable.

Also, been looking for stuff to sell, but it's hard when I am away, I don't have much stuff on camp, leave it all at home.

urstuffplz1

Well, this is boring. No one seems to reply. Might aswell do this without a diary.

littleweasel

It normally takes a few more posts before people start replying. Good luck!