Oh yeah... oh yeah... oh yeah

SpiceIsland

Well I have spent a few weeks reading posts on here so thought it was time to get a grip and draw a line in the Sand.

Been a member for a few years now but forgot the password/log in.

Well you can see my debts all layed out below on my Signature. Route Cause being Gambling a few years back. I never got back on to an even track. Free from Gambling for over 2 years now now and ditched the Fags around the same time.

I have drawn up an excel spread sheet that allows the remaining balance to show with over payments and monthly payments.

I guess my light bulb moment came when my Partner asked to go out for a few drinks and I bit her head off. I earn over 40k a year but told her I didnt want to go out (Money going on debt and interest every month).

Im tired off looking at interest rates, tired of looking at credit card statements and tired of Debt. This is my start to clear all my debts over the next few years. Lets see how we go, plenty of tears and plenty of cheers no doubt.

Male/40/Portsmouth

kittiej

Do you have any spare money to make overpayments? You could try snowballing.

Good luck!