Pay ALL your debt off by Xmas 2014!

CAFCGirl

#122 £10/£9870

Woohoo off the starting blocks.
I. Also patiently awaiting responses for 4 debtors regarding full and final settlements. I've had a response from one but they want an income and expenditure form filled in and sent back to 'see what they can offer'.

My husbands salary gives some excess but..... Well long and short is that's not my money so it's not exactly excess to me so any advice on how to approach that issue on the form? Do I underestimate his salary or overestimate outgoings?:o

debtbgone

Is it too late for me to join please? I've got £2540 to go....

recurrent-ostrich

Just closed my Cap1 card! Not a payment as such as BT from another card, but rate on amount has gone from 30 plus% to 6%. Also just waiting for Next returns to show on account, then i'm closing that too. :j

amr547

sooo virgin media payment has gone out, i've got about £300 left when accouting for my bills still to go out, eek.

DD265

Closing cards is the best feeling isn't it recurrent-ostrich?! Congrats :beer:

Pay Day is two weeks on Monday - I am so looking forward to making some more repayments, and putting whatever is left in my account against my debts!

Determined_diva

Hi all

Just checking in.. made a big step today! The largest debt of just over £8k I have been paying £50 per month for the past 2 years. I had the money, but was not making myself the true broke that I realy am and still carrying on with the lifestyle that got me into debt in the first place.

Today - I re looked at my spreadsheets I did pre xmas and I said that I was going to pay £700... so I changed my standing order to pay that amount every month now.

I feel a bit sick - like a little child who has had their pocket money cut off! BUT I realise that I am am wasting time paying minimum payments and then spending £650 on luxuries whilst posting on here!

Feeling embarrased as you lot all work so hard at debt busting and Im a fraud.. but I'm going to do it now once and for all.. I shall be here next year... but with saving targets NOT and I really mean NOT in debt still

Sorry to be childish but I need a group hug, this was a really hard thing for me to own up to and commit to :-(

DDx

Skinnylatte

Determined_diva wrote: »

Hi all

Just checking in.. made a big step today! The largest debt of just over £8k I have been paying £50 per month for the past 2 years. I had the money, but was not making myself the true broke that I realy am and still carrying on with the lifestyle that got me into debt in the first place.

Today - I re looked at my spreadsheets I did pre xmas and I said that I was going to pay £700... so I changed my standing order to pay that amount every month now.

I feel a bit sick - like a little child who has had their pocket money cut off! BUT I realise that I am am wasting time paying minimum payments and then spending £650 on luxuries whilst posting on here!

Feeling embarrased as you lot all work so hard at debt busting and Im a fraud.. but I'm going to do it now once and for all.. I shall be here next year... but with saving targets NOT and I really mean NOT in debt still

Sorry to be childish but I need a group hug, this was a really hard thing for me to own up to and commit to :-(

DDx

Well done, think of all the interest you'll save and great it will be to feel free of your debts

Raggydoll85

Well done hun! Its the first step to getting out of the debt you will do great!!

floella80

UPDATE:

#93 £305.19 added from a yearly account that I paid into. It has matured and now I have:
#72 £4305.19/£13915.34! = 30.9%Yay!

Buffythedebtslayer

Determined_diva wrote: »

Hi all

Just checking in.. made a big step today! The largest debt of just over £8k I have been paying £50 per month for the past 2 years. I had the money, but was not making myself the true broke that I realy am and still carrying on with the lifestyle that got me into debt in the first place.

Today - I re looked at my spreadsheets I did pre xmas and I said that I was going to pay £700... so I changed my standing order to pay that amount every month now.

I feel a bit sick - like a little child who has had their pocket money cut off! BUT I realise that I am am wasting time paying minimum payments and then spending £650 on luxuries whilst posting on here!

Feeling embarrased as you lot all work so hard at debt busting and Im a fraud.. but I'm going to do it now once and for all.. I shall be here next year... but with saving targets NOT and I really mean NOT in debt still

Sorry to be childish but I need a group hug, this was a really hard thing for me to own up to and commit to :-(

DDx

You are NOT a fraud!


You were paying off your debts and now you are paying them off a bit quicker.


We all do this debt paying off in different ways, so long as the figures go down it is working.




Big hug tho cos I remember changing my payment for my loan to what amounted to my spare cash each month and it was bloody scary!


still not forever eh? XXXX


Also whilst I am here -


120/4600


so current debt is 4480


XXX