Legs leap to freedom

beckylegs81

hello

I have been a lurker for many years and since 2006 cleared a load of debt and today have debts of 16k .. the total debt in 2006 was around 40k which was not my doing.
In short i was ill with bipolar and i rented a room to a ''friend'' who decided to take loans, credit cards, mbile contracts, cancelled mortage and took cash from me.. i have had to pay it all back which i have and today the debt of 16k plus my mortage of 42k .
Please dont tell me i shouldnt have paid it back he should the long is it was looked into and i had too so i have...
i have lurked on here and used many tips and hits.
however after being made redudant in feb from a job i loved and thought id be there forever, i am now earning 2.5k less a yr although i have a better work life balance.
the debt is made up of 13k on a secured loan and 3.5k on a credit card. the card is zero percent interest and i took it out to buy a new car in may after the old one was dying monthly, fingers crossed it passes the mot on tuesday.
I also owe mum and dad some money for a new heating system. but the conservatory roof is leaking and the guttering is failing so these need to be repaired soon and id like to do this this winter without mums help!...
i have had my contract confirmed so i may use the remainder of my redudnancy to take 10k off the loan..
i need your help and support because as winter draws in i get depressed and i dont want to get down....
i try survey sites but get bored.. everything online is bought through tcb or amazon!...
i check utlities and pay annual amounts where i can..
i know my debt is not as high as some people on here but i need people who like me want to clear debt and share in the small excitements as over the yrs ive discovered most of my real world friends just spend spend...
please help me take the leap to debt freedom and able to concentrate on the mortage..

beckxxx

Raggydoll85

Welcome!

Good luck on your debt free fight

have you done a SOA? It helps you work out what money youd have left evey month after usual spends and payments to debts... maybe you can save enough for the repairs you need to do whilst making your minimum payments.. ?

HOK3Y

Right here to follow along and bring a little positivity to a tough journey. You can do it and you sound like you have your head in the right place!

roxy7699

Totally agree you can do it. Winter isn't easy but you can do it, you've made it this far.

beckylegs81

thanks all, I went to see the OH last night and used his heating!!- well his tv electric as he had his heating off!!....
The SOA is in progress and ill post soon.. i already make the minimum payments but i will have another look.. and await your comments..
thanks hok3y i will look at your diary soon.. my head is in the right place, i just want it gone to put the final nail in the past of my hellish past and to enable me to look forward..
i know, october the 22nd will be 9yrs since i had my breakdown..
had a crap day today so im eatin chocolate cake - homemade and debatin opening a bottle wine..
the heatings not on - 2 cats are great hotwater bottles and i am now trying to work out what to wear to a wedding reception.. - im goin as a plus one on 31st october where ill only know the oh ... and i have nothing to wear ... is it acceptable to wear a black dress??? ]hows everyone else monday x

beckylegs81

so the car failed the mot and has 3 advisorys on it... oh the joys ... oh and i seem to be able to break most things today.. phone charger. one heel off a shoe.... have eaten chocolate cake now debating wine and i still cant get the contact lens in .... i blinded myself again tonight ringing them tomorrow ..... ARGHHH

roxy7699

Sorry to hear about your day, hope you get the car sorted. Enjoy the cake and crack the wine. I think black is fine but I wear it a lot, maybe team with bright accessories and shoes.

beckylegs81

thanks.. the car is mended for 127 inc vat and i need to at a later date get brake pads, backbox for the exhaust and also a tyre.. the backbox is next on the agenda as its corroded and knowing my luck it will go and cost even more money... will speak the boyf at the weekend - a car nut about the prices and getting it dne!! .. i wear black, a lot i have few dresses and
silver shoes... the scary thing is meeting his work friends.... hows your day

roxy7699

Always handy to have someone who knows about those things. Not too scary a price and it allows you to budget for the next lot of works.
Black dress, silver shoes, maybe see if you can find some form of silver headdress type thing. Timeless wedding chic.

My day... Phew... I've had the newborn screaming day from hell, bless her she has a dodgy tum. But the icing has been OH just asking what he can do to help, how about be here, even had to ask my 10 yr old to do the majority of the food cooking as littleun didn't want putting down.
Ahh well, that's how babies are.

Have a nice evening, I'm catching what sleep I can tonight, feel a cold coming on and I won't be having that.

WifeandMummy

Hi Becky

Sorry you're having a bit of a rubbish day! Here's hoping tomorrow is better! I've just started what feels like my millionith diary! like you I need lots of motivation to keep me going, sure we'll get there in the end though xx

beckylegs81

hi roxy7660 and wifeand mummy apologies for the delay the week got worse..
im in a new job and well i dont really like it, its possible manipulation that is being done so im looking at options!
Spent yesterday with the boyf we chilled out at his and went to a tapas bar and used a wowhcer voucher i bought ... it was lush and we are going to attempt our own tapas.. he is trying not to use eletric or gas which is hilarious at times!!- he decided to put the heatin on ... plus had teach him how to put a duvet cover on as he couldnt do it!!
Also do people on here know about tesco vouchers - i keep meetin people who dont!!
friday night went out with a friend and she paid as a treat but we did have a deal 2 courses and a drink for 11.99 each.. then we went asda!
today ive done housework sorted paperwork and even cleaned the oven!!!
i need advice of people off here... i have 12k from my redundancy bday and saved this yr .. my loan is 13k roughly.. im thinking paying 10k off loan as this will give me 130 extra a month and mean i still have an emergency fund.. is this wise .. HELP>>.... xxhope everyone has had good weekend