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6k in debt and just no hope

123578

Comments

  • bertiewhite
    bertiewhite Posts: 1,904 Forumite
    1,000 Posts
    DanFish wrote: »
    All thanks to this website and the lovely people on this forum, i honestly wouldnt be in this new mentality if i didn't start this thread.

    If you're anything like me you'll become obsessed with saving money and it'll become more like a hobby - does anybody else think like this? It was all down to the boost this site gave me as well :beer:
  • DanFish
    DanFish Posts: 67 Forumite
    It's fantastic, i wasn't aware of half of the things that i could do before coming here.

    I'm amazed if i'm honest.

    You are all amazing :)
    Total Debt April 2014 = £6756

    Target = Clear by [STRIKE]April 2017[/STRIKE]October 2016
  • harrys_dad
    harrys_dad Posts: 1,997 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Great stuff Dan, keep it going, and well done.
  • LannieDuck
    LannieDuck Posts: 2,359 Forumite
    Eighth Anniversary 1,000 Posts Combo Breaker
    DanFish wrote: »
    Even when someone just pops up to say good luck it gives me a massive boost.

    Good luck! :rotfl:
    Mortgage when started: £330,995

    “Two possibilities exist: either we are alone in the Universe or we are not. Both are equally terrifying.”     Arthur C. Clarke
  • PlymouthMaid
    PlymouthMaid Posts: 1,550 Forumite
    Seventh Anniversary Combo Breaker
    Just read your thread. Well done on progress so far and good luck.
    "'Cause it's a bittersweet symphony, this life
    Try to make ends meet
    You're a slave to money then you die"
  • NHS_worker_bee
    NHS_worker_bee Posts: 193 Forumite
    bertiewhite wrote: »
    If you're anything like me you'll become obsessed with saving money and it'll become more like a hobby - does anybody else think like this? It was all down to the boost this site gave me as well :beer:

    I completely agree. This forum has helped me immeasurably. Good Luck Dan.
    Total debt March 2014: £11,194. Now £4,198.
    0% CC1: [STRIKE]£2,240[/STRIKE] £0. 0% CC2: [STRIKE]£1,934[/STRIKE] £0.
    0% CC3: £0 0% CC4: £4,198.
    12.9% Loan: [STRIKE]£3,000[/STRIKE] £0
    14.9% HP: [STRIKE]£1,103[/STRIKE] £0
  • Willowpop
    Willowpop Posts: 856 Forumite
    Debt-free and Proud!
    Well done on starting your journey Dan.
    I am just a few months in, but no longer feel sick when I look at my bank account. I know exactly where all my money is now and am much happier.
    PAYDBX 2016 #55 100% paid! :j Officially bad debt free...don't count my mortgage.
    Now to start saving...it's a whole new world!!
  • DanFish
    DanFish Posts: 67 Forumite
    It's abit of a nightmare trying to gather all the references, nearly got them all now though just awaiting a few.

    There is overtime available at work this month and i was thinking of maybe sending a F+F to a couple of the smaller ones and seeing if can reduce the amount that way also.

    Anyone think that is a good idea?
    Total Debt April 2014 = £6756

    Target = Clear by [STRIKE]April 2017[/STRIKE]October 2016
  • sourcrates
    sourcrates Posts: 31,978 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    DanFish wrote: »
    It's abit of a nightmare trying to gather all the references, nearly got them all now though just awaiting a few.

    There is overtime available at work this month and i was thinking of maybe sending a F+F to a couple of the smaller ones and seeing if can reduce the amount that way also.

    Anyone think that is a good idea?



    Yes, do it, gets rid of them quicker, sorry to butt in, just been reading up on your story, good luck with it all :T
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • DanFish
    DanFish Posts: 67 Forumite
    I thought i should :)

    Things are really looking up now, i've finally got some clarity where as before everything was just a big mess.

    Hopefully the overtime will continue and i can get a few of these debts paid early.

    Thanks folks :)
    Total Debt April 2014 = £6756

    Target = Clear by [STRIKE]April 2017[/STRIKE]October 2016
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