Debt Free by Dec 2014!

Raggydoll85

Sooooo when my car was scrapped my dad took the petrol out of the tank and today said he would give me some cash for it so i said can i take it off what i owe him and he said yes!

So i now only owe dad £44!!! woop

Raggydoll85

Reading some of these Debt Diaries i feel slightly silly as my debt is small in comparison to other peoples!

Am i daft for being worried about it? Or am i right to try and get it sorted now to stop a future problem occuring??

MrsGSR

Raggydoll85 wrote: »

Reading some of these Debt Diaries i feel slightly silly as my debt is small in comparison to other peoples!

Am i daft for being worried about it? Or am i right to try and get it sorted now to stop a future problem occuring??

No I don't think you are daft at all. Our debt isn't that big but it's enough for us to feel down about it. It's not a competition and like weight loss in a way you may only have a few pounds to lose in order to feel better about yourself.

I think its a good idea to get it sorted now in order for you to be in a better position for the future.

I will be subscribing to your thread.

Raggydoll85

MrsGSR wrote: »

No I don't think you are daft at all. Our debt isn't that big but it's enough for us to feel down about it. It's not a competition and like weight loss in a way you may only have a few pounds to lose in order to feel better about yourself.

I think its a good idea to get it sorted now in order for you to be in a better position for the future.

I will be subscribing to your thread.

Thank you!! It really does get me down and stresses me out. And i really feel for those that are in a worse mess...

well done on getting your debt down from your signature! hope i will be in a position more like that by the end of this year!

Raggydoll85

Soooo Ive paid some more in to my savings account for a new car (if i get one)

Im currently surviving without one. Im seeing how long i can last without it as its sooo much cheaper not having one! Am insured on my mums in case i need a car for something

On £700 out of the £1000 i want to save

Raggydoll85

Paid a little extra off my Credit card £23.42..thats from some expenses i claimed back and some money from quidco!. the only issue with that is i never have a clue what thay will do to interest...

I also had to put my exam fees on it the other day. I will get those back from work but not until next month, so i doubt my little extras will make any difference at the minute...I've not added those to my total debt as im getting that back and will pay that off instantly when i get it

Raggydoll85

So today i have been to work (was early for once)
I have sat through a 2 and a half hour lecture..
Had dinner
Knitted a little xmas pudding for my sister...(shes paying me for 6knitted things for her table i need the cash lol) I knit them for charity as well so will be doing lots of knitting whilst im on my ten minute breaks from studies

busy day at work tomoz.. hopefully will only spend £1 on nibbles (one day i will learn to buy snacks rather than use the tuck lol)

Raggydoll85

Soooo im trying to either make xmas presents or items i can sell

Made 4 christmas ferraro Rocher covers out of the 6 for my sister! 4 more to go and then i will get the money for them :T that will go against either the credit card or the Overdraft.....

Have half knitted a witch for my sisters christmas present. Will also be making a few christmas cards and other bits and bobs for family xmas..

Last year i made chocolates and fudge so will do that as well

made 54p on Qmee but have brought fish and chips.. naughty i know but had to cancel my weekend plans as was going to be ridiculously exensive so im feeling down... lol

Mockingjay

Raggydoll85 wrote: »

Reading some of these Debt Diaries i feel slightly silly as my debt is small in comparison to other peoples!

Am i daft for being worried about it? Or am i right to try and get it sorted now to stop a future problem occuring??

You're definitely right to get it under control now! I was in the same position and let it grow to over £8k!

I would agree with the others, £200 is a little high for one person. When I lived alone, I was spending £30 max a week inc pet food. Also, your Sky bill is quite high. Any chance this could be brought down? Just in the short term.

Raggydoll85

Mockingjay wrote: »

You're definitely right to get it under control now! I was in the same position and let it grow to over £8k!

I would agree with the others, £200 is a little high for one person. When I lived alone, I was spending £30 max a week inc pet food. Also, your Sky bill is quite high. Any chance this could be brought down? Just in the short term.

ooo that would be bad if i got that high!! Lookslike you are in control now though!

I think my cat eats too much and he is fussy so end up having to buy stuff that is at least £4 and he eats probably 3 boxes of that in a week....
hes wormed etc... so duno LOL

Sky is only the usual broadband phone and bog standard tv... would i have to ring and say im leaving or something to get lower?? Am no good at haggling...


On the upside mums brought me my fish and chips ( she was going so said shed get mine to save me going) and shes given me my fiver back... saying she doesnt have the change to give me so i can have it back! woop