Time to grow up...

saila_

So. Where to start.

I've had a comfortable upbringing. I don't think there's any other way to put it. My parents, for as long as I can remember, have worked extremely hard to get to where they are. They are extremely anti-debt, and I had a university fund set up when I was 16 so that I wouldn't have to rely on student loans etc. When I first went to uni, I was an extremely weak, easily manipulated girl and I quickly fell in with the wrong crowd, who I let spend my parents' hard earned cash. I dropped out after my first year, having "lost" £7k (not including tuition and rent.)

I ended up in hospital over it, and so as a family we decided to write the money off as "gone", and decided to work as a family to move on with our lives. My parents, understandably, became stricter with money, and I worked hard for a year to try to partially pay them back and save to return to university. I was never going to be able to save enough to support myself for three years, but I gave it a good go. My parents have lent me bits here and there, to try to prevent me from needing proper loans. When I did graduate, I had £2k of interest-free overdrafts and owing my parents just under £10k.

So far, I have not paid back anywhere near as much as I should have, having decreased everything to £9k now. I've been lurking on the forum for the last week or so, and have been a bit inspired with some of the saving and debt paying off. I now have a sealed jar and a separate £2 jar. Pay-day is coming up in the next few days, so I'm going to diarise my saving/paying off, hopefully it'll maintain the motivation I currently feel.

From 1/06/14, I've paid £625 of my £9,625 debt. Slow progress, I'll get there.

McKneff

Good for you.... up an' at 'em.....


Keep posting if you need moral support, even if its just for a moan lol


Annie

saila_

So today was pay day, and by annoying coincidence I had to spend money today. Didn't quite realise how expensive prescriptions are these days.

So most of my "big" spend items were dealt with today in some way - I paid my rent and moved my credit card bill money to a different account, and moved enough cash around various bank accounts to qualify for interest/rewards. I'm continuing to save £2.50 every day for a tax payment next January. The big debt-related news is that I paid back £600 more today, so I now have £8,400 remaining.