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15k to lose!

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  • laurag89
    laurag89 Posts: 728 Forumite
    Seventh Anniversary 500 Posts Combo Breaker
    I may be younger but I'm no where near as wise yet! :) thank you! It is tough quitting I've tried so many times before, but I finally really want to stop this time.... It's something I wish I had never started because I never understood how hard it would be to break the habit!

    I need the money to pay off the debts and start saving, £200 a month is a lot to throw away!

    I will be following your progress :) x
    Total debt to pay: £14,071.41/ Remaining debt: £12,884.12: Amount Paid: £1,187.29

    Survey xmas 2018 savings: £10 / £150
  • Missko
    Missko Posts: 253 Forumite
    edited 16 June 2015 at 9:47PM
    Error
    Error.
    Credit Card £4350 @ 0% until October 2015
  • Dobbibill
    Dobbibill Posts: 4,194 Ambassador
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Hi Missko,


    I have just read your diary from the beginning and you have done brilliantly.


    well done on the transfer of the card to 0% that will give you some breathing space.


    I agree with several comments above about getting an emergency fund as we never know when something is going to crop up (always at the worst time if you are anything like me) but that will give you comfort to know the money is there for it.


    keep up the good work and the diary, I'm off to subscribe but just wanted to wish you all the best for the challenges you have ahead.


    DB
    I’m a Forum Ambassador and I support the Forum Team on the Budgeting & Bank Accounts, Credit Cards, Credit File & Ratings and Energy 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.

    If you can't be the best -
    Just be better than you were yesterday.
  • Missko
    Missko Posts: 253 Forumite
    edited 16 June 2015 at 9:47PM
    Error.
    Error.
    Credit Card £4350 @ 0% until October 2015
  • Missko
    Missko Posts: 253 Forumite
    edited 16 June 2015 at 9:48PM
    Error
    Error.
    Credit Card £4350 @ 0% until October 2015
  • in_need_of_direction
    in_need_of_direction Posts: 7,723 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    When in London, why not hit on one of the cosmetics counters and get a make over pre your date. It may help you feel better.
    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 determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • Missko
    Missko Posts: 253 Forumite
    edited 16 June 2015 at 9:48PM
    Error
    Error.
    Credit Card £4350 @ 0% until October 2015
  • iamashoppingaddict
    iamashoppingaddict Posts: 862 Forumite
    Part of the Furniture Combo Breaker
    Hi Missko

    Just started your diary and I wanted to say that you are doing well. I'm just restarting my journey (don't ask!!) and like you its going to be a bit of a slog but it will be worth it in the end!

    IAASA xx
  • Missko
    Missko Posts: 253 Forumite
    edited 16 June 2015 at 9:48PM
    Error.
    Error
    Credit Card £4350 @ 0% until October 2015
  • Missko
    Missko Posts: 253 Forumite
    edited 16 June 2015 at 9:49PM
    Error.
    Error.
    Credit Card £4350 @ 0% until October 2015
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