Catriona's Credit Card Countdown

edited 15 March 2013 at 9:41PM in Debt Free Diaries
680 replies 54.4K views
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  • beanieloubeanielou Forumite
    79.9K Posts
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
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    12k towards a car.
    Words fail me TBH.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    MFW. Finally mortgage free February 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
  • beanielou wrote: »
    12k towards a car.
    Words fail me TBH.

    Quite.

    Catriona, I can see how that must be hard when you're so far a part on your attitudes. My BF is quite similar: he lives rent free in London because his parents bought the flat and put it in his and two sibling's names. But he knows that I don't earn as much, and have higher outgoings, so he is reasonably understanding. I don't have much advice to offer, but as long as it's not actaully causing problems in the relationship I would try not to worry about it too much.
    Total debt: [STRIKE]£9473.62[/STRIKE] £7,384.87 22% PAID
    TAF #25 NSD 8/12 | Food £43.45/£50 | eBay 0/20 | Exercise 5/18
    :T Proud to be Dealing with my Debt :T
    DFD: June 2015
  • catriona79catriona79 Forumite
    855 Posts
    beanielou wrote: »
    12k towards a car.
    Words fail me TBH.

    I know, Lou. He's a lucky boy!! ;)

    How have you been? I've just finished a very intense day of home working - phew! Got o keep the money coming in to pay those debts!!;)

    But off to see the girlfriends for a curry - a leaving do - 3 out of my close work friends are taking redundancy and so the remaining two of us are buying the meal tonight. Eek! Hehe ;)
    * * * Catriona's Credit Card Countdown * * * from -£16k to debt neutraldom - for my debt diary click here
    Barclaycard -£5,867.52;
    mbna1 - 3,009.22
    mbna2 - 1,755.70
    Savings £5,017 MFiT #25 £2,627/£10k; daily interest £5.04
  • catriona79catriona79 Forumite
    855 Posts
    Quite.

    Catriona, I can see how that must be hard when you're so far a part on your attitudes. My BF is quite similar: he lives rent free in London because his parents bought the flat and put it in his and two sibling's names. But he knows that I don't earn as much, and have higher outgoings, so he is reasonably understanding. I don't have much advice to offer, but as long as it's not actaully causing problems in the relationship I would try not to worry about it too much.

    Thanks KC, you're a darling. My bf is kind and thoughtful, but it does sometimes feel like we are worlds apart. I really think that when I have finally paid my debt off, I will be much more comfortable in this relationship.

    Your bf is very lucky to not have the burden of rent. It certainly opens up your options and the number of risks you can take in life. I hope that one day I will be able to do that for my children...
    * * * Catriona's Credit Card Countdown * * * from -£16k to debt neutraldom - for my debt diary click here
    Barclaycard -£5,867.52;
    mbna1 - 3,009.22
    mbna2 - 1,755.70
    Savings £5,017 MFiT #25 £2,627/£10k; daily interest £5.04
  • The_BossThe_Boss Forumite
    5.8K Posts
    Part of the Furniture 1,000 Posts Combo Breaker
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    Hi there. Just out of curiousity, how do you pronounce Catriona?
  • catriona79catriona79 Forumite
    855 Posts
    The_Boss wrote: »
    Hi there. Just out of curiousity, how do you pronounce Catriona?

    Hi Boss, welcome to my diary:)

    It's "katrina".

    Off to read up on your journey now!
    * * * Catriona's Credit Card Countdown * * * from -£16k to debt neutraldom - for my debt diary click here
    Barclaycard -£5,867.52;
    mbna1 - 3,009.22
    mbna2 - 1,755.70
    Savings £5,017 MFiT #25 £2,627/£10k; daily interest £5.04
  • dktreeseadktreesea Forumite
    5.7K Posts
    catriona79 wrote: »
    I'm finding it difficult to strike the right balance between having a life and paying off the debts. My partner is in a very different situation to me, but has a very different mindset too. He expects to get given a lot by his parents. For example, they have just given him 12k towards a new car for his birthday, and they've always paid for his insurance, service and MOT. They will give him a substantial amount towards a deposit for a house.
    I have a very different perspective because I've had to fight very hard for everything I own. But at the same time, despite my debts I have about £65k in equity in my house, and that's where my money is.
    So this is a very unbalanced situation... The way we think about money is very different. I worry about it practically all of the time, while he just carries on. I annoy him with my worry, he annoys me with his carefree attitude and what I see as a lack of making provisions for the future. At the same time he isn't silly with money and will not spend freely on stuff. It's just so hard for us to relate to each other though.

    He's just taken me away for my birthday and that was extremely generous, but me having to take the £250 spending money with me (drop in the ocean compared to what he had spent) has thrown my budgeting out of kilter again...
    Now it's his birthday next week, and that's going to be expensive too.

    Then end of June we go to Portugal with his parents, which I felt like I had to do, to show good will etc. but which I shouldn't be doing, because in that way I'm not going to ever be able to save up enough to be debt free when I planned.
    At the time, I obviously thought that its my duty to go along with it and that there are more important things than money...
    But then I still stress about the money afterwards!!.. How silly.

    Whinge over!

    Hi Catriona,

    I know being in debt is horrible, but maybe you have to look at Portugal the same way as Barcelona. What was better, going to Barcelona and having a great time with you bf, or putting the spending money you took along onto the debts instead?

    Being in debt can take a lot out of you mentally. But it isn't as if these are debts you can't afford to pay. To me, I would say, especially when you are in debt, that you ought to be kind to yourself too, and take the opportunities for good times when they come. It's not like you swan off to Portugal and the like every weekend or month. (even if it seems like that, lucky you!) Memories of good times, especially recent ones, really help on the dark days when it seems your debts have no end.

    Think of how the seafood will taste, what it will be like to be in the warmth and the sun, (I don't like the sun on my skin, but each to his or her own :)) the good company, not having to get up for work each day, being able to buy clothes that don't make you look like a next/Gap/New Look/Primark clone, going for a spa...going for a massage.... not having to cook for a few days... riding a horse along a beach with the sun setting over the Atlantic (I once did that in Fiji - many years ago and it's pretty much all I can now remember doing on the holiday)...

    Birthday present? How about, since you are going to Portugal, a paragliding lesson/experience in Linhares?
  • catriona79catriona79 Forumite
    855 Posts
    dktreesea wrote: »
    Hi Catriona,

    I know being in debt is horrible, but maybe you have to look at Portugal the same way as Barcelona. What was better, going to Barcelona and having a great time with you bf, or putting the spending money you took along onto the debts instead?

    Being in debt can take a lot out of you mentally. But it isn't as if these are debts you can't afford to pay. To me, I would say, especially when you are in debt, that you ought to be kind to yourself too, and take the opportunities for good times when they come. It's not like you swan off to Portugal and the like every weekend or month. (even if it seems like that, lucky you!) Memories of good times, especially recent ones, really help on the dark days when it seems your debts have no end.

    Think of how the seafood will taste, what it will be like to be in the warmth and the sun, (I don't like the sun on my skin, but each to his or her own :)) the good company, not having to get up for work each day, being able to buy clothes that don't make you look like a next/Gap/New Look/Primark clone, going for a spa...going for a massage.... not having to cook for a few days... riding a horse along a beach with the sun setting over the Atlantic (I once did that in Fiji - many years ago and it's pretty much all I can now remember doing on the holiday)...

    Birthday present? How about, since you are going to Portugal, a paragliding lesson/experience in Linhares?

    Hi DK,

    You always make me feel better about it all - thanks. You obviously have a gift. ;)
    I understand what you are saying.... Can't be wishing our lives away. I think I'm just impatient!

    I love your story of horse riding on a beach in Fiji... Sounds blissful... That's a lovely holiday.

    Hope you're having a good evening?

    Well, I have my work cut out for me tonight - I have a few little things still to wrap for the birthday and the card to write. Better get on!!
    * * * Catriona's Credit Card Countdown * * * from -£16k to debt neutraldom - for my debt diary click here
    Barclaycard -£5,867.52;
    mbna1 - 3,009.22
    mbna2 - 1,755.70
    Savings £5,017 MFiT #25 £2,627/£10k; daily interest £5.04
  • catriona79catriona79 Forumite
    855 Posts
    I'm back on here to brag!!:D:D:D

    Just noticed Sky have finally coughed up the £120 for my cash back! Wow wee!!!:j
    * * * Catriona's Credit Card Countdown * * * from -£16k to debt neutraldom - for my debt diary click here
    Barclaycard -£5,867.52;
    mbna1 - 3,009.22
    mbna2 - 1,755.70
    Savings £5,017 MFiT #25 £2,627/£10k; daily interest £5.04
  • cwalcwal Forumite
    127 Posts
    Hi Catriona
    I'm going to subscribe to your diary as I feel I'm in a very similar situation - lots of debt built up from doing my house up! I'm hoping I can garner some extra motivation from seeing how people in a similar situation are budgeting!
    It sounds like you have made great progress so far - clearing 20% is great!
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