Pay ALL your debt off by Xmas 2014!

minichick31

Well pay day tomorrow!! Woop, woop. So I've thrown the odd amounts left in my accounts at the cc. :j


098 £756.27/£5500 - 13.75%

davies28

#155

Reporting another £100 payment to my Credit Cards

Taking total paid to £235/£2000

Raggydoll85

Penny2myName wrote: »

I am seriously considering dropping out, as I only seem to be getting my monthly minimums paid and struggling with them. Think I will sleep on it and decide my best course of action tomorrow.

Also i tend to have to just do minimums and then i struggle to do any more, but i have got in to the habit of any money i do make on ebay or Qmee or surveys is put in to paying the debts.

I see it as extra money i would not normally have so dont miss it as much.. just a thought.. it is only a few pounds here and there but it all adds up xxx

amr547

how depressing - getting a letter to say theres a payrise!!! but it doesnt include my grade

my pension was about £12 altogether so i might as well carry on paying into it!

Mat_Lock

That is harsh, they should have only sent letters to those that did get a payrise and they should have been told to keep quiet about it.

Rude that is.

marliepanda

amr547 wrote: »

how depressing - getting a letter to say theres a payrise!!! but it doesnt include my grade

my pension was about £12 altogether so i might as well carry on paying into it!

Thats just rude! I remember when I was in retail and I got a similar one, especially as the level just above most of us did NO extra and got a chunky one!

amr547

thats what i thought! it wasnt very much but it would be better than nothing. ahhh well..

Dakota86

Penny2myName wrote: »

I am seriously considering dropping out, as I only seem to be getting my monthly minimums paid and struggling with them. Think I will sleep on it and decide my best course of action tomorrow.

Dont drop out, every penny counts, even if its just minimum payment you are making you will get there one day. I am 2 payments away from clearing my £700 credit card I started paying off in 2006 :eek: That was minimum payments, however, so long as you dont keep adding to your debt it will eventually disappear. I am really really scrimping and struggling but the shock at the start of the year seeing my debts at £10,000 was enough to make me open my eyes. I am hoping to pay off £5k this year and £5k next year. Every year I have tried to stop buying in debt but have not managed it and doubled my debt each year. Sticking with the ppl on here is incentive to try. Some ppl might be paying £100's others £10's maybe even pennies but its still something. Sending you strength to keep going :grouphug:

Thrifty_Fashionista

Penny2myName wrote: »

I am seriously considering dropping out, as I only seem to be getting my monthly minimums paid and struggling with them. Think I will sleep on it and decide my best course of action tomorrow.

Keep positive, as lots of other people say every payment is money off your debt.

TF x

Pepperoni

£217.79 paid off the loan yesterday. Husbands pay-day tomorrow - hoping to take the savings pot up to £3,000! Still lots of improvements that can be made for us to save money though.... honestly, we spend so much money on food - the spending diary is ridiculous - chocolate here, pizza there, something else there, its just stupid but so hard to break the habit.