Silly spender digging out of a big hole...

Detz

Hey everyone,

I saw this thread a month or so ago and it inspired me to work out my debt problems. I felt the idea of keeping track of things on here is a good idea so here I am

Thread is trying to pat everything off by lea_t88

I'd like to start off by saying I'm an impulsive buyer at times and sometimes go out of my way to spend.. I don't understand why but I want to get rid of the habit or at least curb it to only cool stuff that I will continue to use and love... Rather than losing by selling on Ebay.

Enough of the boring intro... Here's my situation.

I'm a part time student and part time worker.

I work 3 days a week and go to college 3 days a week.

I want to get rid of my debt but can't work any longer so I have cut spending.

Here's what my current debt is:

£1369.08- Clothing catalogue
£650.00- Phone contract debt
£224- Bank debt
£300- Work debt

£2543.08 Total

I've made a lot of this stuff worse by keeping my head in the sand e.g phone debt was originally £3-400 but since I never replied they brought it to a debt collector who then added fees.

What also doesn't help is that I used to comfort eat a lot and would spend most of my money on junk food. Fortunately I've stopped it by about 90%. I somehow spend that money elsewhere though.

I don't want to go into University with debt but have realised I'll have some left even if I start paying off now... Oh and that large amount to get into University haha..

I am currently starting payments on all debts which are:

£43/month catalogue
£35/month phone
£20/month bank
£25/month work

I'll be out of all the debt in less than 2 years and can hopefully increase payments on some or all ASAP.

I also realised I need cheap thrills so I have a comic book subscription (£8 every 3 months), Money for treat meals (£20 per month) and I bought a midi keyboard (£29) and an old playstation with some games (£40) to keep me busy when I'm not not doing coursework and/or dying of boredom at work.

It shall be a tough one to endure but it has to be done now rather than later.. Silly 21 year old me.

I have bought my last items off of Ebay (Will be closing it once the 30 day period finishes) <(My personal account), I will have to try and find some Sunday job somewhere, save to start selling on Ebay again (Business account) or just simply win the lottery.

Well I have typed a lot and wouldn't be surprised if any of you died reading this.

I feel good because it already feels like a weight has come off my shoulders a bit. I will keep this updated especially when I make some mass payments

Good night