£66,512.11 and falling - OK £325,909.93 but still falling!

joanne109

That is our debt[STRIKE] before[/STRIKE] with taking the mortgage into account.
I am determined to crack this over the next few years and hopefully, one or two of you may follow me as I travel one more step along the road...
Mortgage is lots and lots, part interest and part repayment - best to park that for now.
I have done a SOA which I am too embarrassed to show but I will point out some bright spots on the horizon

1. My Zopa loan ends next month so I will be £207 per month better off.
2. My car loan ends in November so I will be around £100 per month better off
3. I am up to date on C Tax and have no CCJ's etc
4. I have stopped buying alcohol ergo drinking alcohol and that means I am £300 per month better off.
5. 5 year fixed rate end next March so I can move the mortgage if necessary.

In the meantime, I am maxed out on the cards and living on contents of cupboards, lentil lasagne last night, spinach pancakes tonight. I may push the boat out tomorrow and buy some suet to make a steak and kidney pudding (without kidneys).

That's it for now - I just wanted to get the ball rolling and will pop in to update over the next day or two

Joanne

FreebyFifty_2

Hi Joanne

I am new to having a diary too. My debt is very high, I have maxed out on credit and like you I am drastically cutting down on my alcohol consumption as I have been spending a shocking amount per month :eek:

I am going to subscribe and follow your journey

FbF

joanne109

Thank you FBF - I'm 50 in October so it's a bit late for me, maybe I should be "free by sixty"

Joanne

kickuptheasstime

Hi Joanne
Welcome to the DFW club - you'll find lots of encouragement & ideas here
I'll subscribe & support where I can!
KUTAT x

EchoDelta

Good luck Joanne, wishing you all the very best on your journey.

joanne109

Thank you both - If I bend over will you give me one?

Why isn't there a "kick up the !!!" smiley?

Joanne

Upsidedown_Bear

joanne109 wrote: »

Thank you both - If I bend over will you give me one?

Why isn't there a "kick up the !!!" smiley?

Joanne

Will this do? :cool:

joanne109

Thank you so much.

Where have you been hiding that one?

Joanne

Upsidedown_Bear

joanne109 wrote: »

Thank you so much.

Where have you been hiding that one?

Joanne

You don't get an avatar like mine without knowing where the kick up the bum smiley's are

heyjude2013

Haha love the smiley!

Welcome to your new diary Joanne. Good luck!

joanne109

Wahey - already on the road...

It's cold here (somewhere north of Watford) but instead of putting the heating on, as we have for the last few nights, I sent DH up the garden to collect some wood and now we have the stove lit.

Warm as toast and smelling all rustic!

Joanne