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Diary from the South Coast
Comments
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Well had one of those days where you sit looking at the Debt Spreadsheet thinking will I ever pay this lot off.
Come a good way since Feb but it has become hard. Went out for a drink with friends and really had a fab time. I miss going out but in reality, that money is now paying down some debts.
I often read a few Diary entries of people to see how they are getting on and that really helps.
I hope you are all enjoying the Summer.
The Captain(Debt Jan 2014 LBM £34,000) Current 2016 "Problems" as follows:
C Cards 1,2,3,4 WAS £18,333 NOW£0 :j...Overdraft WAS £2700 NOW£0 :j
Secured Loan WAS £4113 NOW£0:j.......Loan WAS £8864 NOW £6,000
DEBT TODAY = £6,000 (£28,000 PAID OFF SO FAR!)0 -
Hi Gunwharf you are doing fantastically and your diary was one of 3 that actually pushed me to make a change and tackle my own debt head on !!
I was a lurker had no account just checked by to read others success stories whilst getting myself deeper in until I realised I could hopefully be one of those stories myself.
I cant wait till you reach zero debt keep going and thanks for the inspiration
LBM £17,920 - 01/08/14
01/10/14 - £17,195 4.04% cleared
Tesco loan £9000 Overdraft £2500
Barclaycard CC £3365 MBNA CC £900
Mint CC £540 Next [STRIKE]£320 [/STRIKE] £0 Very £8900 -
Have just read your journey gun, and you have done amazing. You are and will continue be such an inspiration to me and others. High Five :TDebt Aug 14 - O/D £1250, Halifax CC £1915 (0%) Santander CC £1450 Barclay CC £345 Next 335
Total £5295 :mad:0 -
You're 40% of the way there. That's so so good. The middle bit is always the toughest but hang it there and you'll soon be cruising downhill.Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st 1lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough.0
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A couple hundred more off Credit card number 2.............so close now to shutting that bad boy away!
(Debt Jan 2014 LBM £34,000) Current 2016 "Problems" as follows:
C Cards 1,2,3,4 WAS £18,333 NOW£0 :j...Overdraft WAS £2700 NOW£0 :j
Secured Loan WAS £4113 NOW£0:j.......Loan WAS £8864 NOW £6,000
DEBT TODAY = £6,000 (£28,000 PAID OFF SO FAR!)0 -
Looking good I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.0 -
Hope everybody is having a good week.
I was reading through some Diaries today and one post really got me thinking. This person was moaning that they were in debt but further down their post it read " Spent £100 on Friday going out drinking but paid £1 off my credit card- every little bit helps".
Now I do not want to put this person down but if you follow that attitude you will not get anywhere. In fact, you may end up bankrupt.
I have been living on £5 a day, no holidays and very ,very little going out. That is how I am paying back my debt.
Some very good posts on here but sometimes you have to filter some through.
Have a good Tuesday evening all.......(Debt Jan 2014 LBM £34,000) Current 2016 "Problems" as follows:
C Cards 1,2,3,4 WAS £18,333 NOW£0 :j...Overdraft WAS £2700 NOW£0 :j
Secured Loan WAS £4113 NOW£0:j.......Loan WAS £8864 NOW £6,000
DEBT TODAY = £6,000 (£28,000 PAID OFF SO FAR!)0 -
So agree.
I dont think everyone has had their lightbulb moment yet.
tI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.0 -
Greetings
Hope everybody is doing well, many of you will get paid over the next week or so and I can see from the Boards that many of you are looking fwd to paying down some debt-Fantastic news.
Been a few good days fishing down here and I thought I would show you the Pic below. The Seal lives in and around the pontoon and we feed him most days.
Have a good weekend all.
(Debt Jan 2014 LBM £34,000) Current 2016 "Problems" as follows:
C Cards 1,2,3,4 WAS £18,333 NOW£0 :j...Overdraft WAS £2700 NOW£0 :j
Secured Loan WAS £4113 NOW£0:j.......Loan WAS £8864 NOW £6,000
DEBT TODAY = £6,000 (£28,000 PAID OFF SO FAR!)0 -
How lovely, looks like a happy seal. Where I used to live there were friendly and bold seals in the harbour, they'd race to the slipway when they saw people in hope of a snack - they are just like Labradors that live in the water - feed them and they'll be your best friend Debt Aug 14 - O/D £1250, Halifax CC £1915 (0%) Santander CC £1450 Barclay CC £345 Next 335
Total £5295 :mad:0
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