Pay ALL your debt off by Xmas 2013

amr547

i won a lakeland voucher on a raffle! i've never been to lakeland and have no idea what to buy. :rotfl:

just waiting for my car insurance and HP payment to go out then that's all my payments for this month :eek: super duper.

need to renew my tenancy this weekend :mad: really don't want to but have no choice. £25 admin fee as well! cheeky gits

his_missus

kerri_dfw wrote: »

welcome back Eddi how has the course been? thank you for the congratulations xx

His missus, wedge a chair against the door and get on the baby wagon

Uh-oh! There is NO way I'm having kids. I've not wanted kids since I was 5yrs old and my tiny tears doll kept weeing on me! Stooooopid thing never cried, just weeed :rotfl:I'm 40 now and I've not yet once felt broody. You can try and do your worst DFW pregger ladies but you'll not crack me. However, show me a pic of a kitten or puppy...awwwwwwww!:D

My 5 kitties are my babies

SpagBol

Just closed a CC account :j I now only have 5 in my name and one of those only has £149 on it which I shall pay off and close next payday :j

So I will then have approx £21k on CCs in my name :eek: and DH will have about £25k :eek:

I still can't get over how we managed to borrow all this and get in this situation. Still, it's our fault, we will pay back every penny (and god knows how much in interest!) and WE WILL NEVER DO IT AGAIN!!! :rotfl::rotfl::rotfl:

amr547

SpagBol wrote: »

Just closed a CC account :j I now only have 5 in my name and one of those only has £149 on it which I shall pay off and close next payday :j

So I will then have approx £21k on CCs in my name :eek: and DH will have about £25k :eek:

I still can't get over how we managed to borrow all this and get in this situation. Still, it's our fault, we will pay back every penny (and god knows how much in interest!) and WE WILL NEVER DO IT AGAIN!!! :rotfl::rotfl::rotfl:

well they say you learn from your mistakes:D

i actually think in this day and age its impossible not to have any sort of debt - whether its your car, your house or wahtever...

SpagBol

amr547 wrote: »

well they say you learn from your mistakes:D

i actually think in this day and age its impossible not to have any sort of debt - whether its your car, your house or wahtever...

Agreed, we are all set up for it now really. Unfortunately the above debts are in addition to a mortgage well over £250k :eek: Sigh....

Never had a car loan though :rotfl::rotfl::rotfl:

amr547

SpagBol wrote: »

Agreed, we are all set up for it now really. Unfortunately the above debts are in addition to a mortgage well over £250k :eek: Sigh....

Never had a car loan though :rotfl::rotfl::rotfl:

I just want the mortgage :rotfl: just feels like an impossible feat because of OH's dreadful credit history.

SpagBol

amr547 wrote: »

I just want the mortgage :rotfl: just feels like an impossible feat because of OH's dreadful credit history.

It will happen for you one day, I promise you, but all this MSE training means you won't be silly like us :cool: It is just so bizarre that our credit rating is still excellent even with so much debt! We have never missed payments though I suppose, just borrowed more to meet them. Silly billies we are...

InsertWittyName

amr547 wrote: »

I just want the mortgage :rotfl: just feels like an impossible feat because of OH's dreadful credit history.

Just keep saving for that deposit in the same way that you paid off the debt and it will come

Check out my sig - it's working for me! :T

SpagBol

InsertWittyName wrote: »

Just keep saving for that deposit in the same way that you paid off the debt and it will come

Check out my sig - it's working for me! :T

Wowser you have really done well this year! What's your revised target?

amr547

InsertWittyName wrote: »

Just keep saving for that deposit in the same way that you paid off the debt and it will come

Check out my sig - it's working for me! :T

that is amazing :eek: we are on track to hit £1k at the end of this month, should be able to top it up to £1.6k by the end of next month. so... on track for about £600 a month, more if we don't go mad!