Positive steps

nannytomany

Hi all, have been reading diaries and found such a lot of advice one in particular thanks to Shelbi about Dave Ramsey so have decided to give it a go and try his way as it makes sense and I have nothing to loose. Am in quite a bit of debt and on a DMP which I did myself, after paying a company about £30 a month for a while, saw the light and thought I can do this, have a mortgage for the next 6 and a bit years and a secured loan so would like to clear the lot by the time the mortgage or before if it all goes to plan. Have to go to work now will be back tonight to update a bit more.

nannytomany

Well work done with but in the weekend, every little helps. Just done a £1.99 payment into my saving account now the princely sum of £.83 only £592.17 to go and then can start paying my debts off. Seems a funny way of doing it but the other way didn't work and we had to use the credit card we had left for a washing machine as didn't have any savings so in a way I can see the sense.
Have 6 items on E-B*AY all with watchers but no bids yet, fingers crossed as this is all new to me.
Off to watch a bit of TV on my own tonight as OH works this evening and my DGS who lives with us has gone to stay at his aunties, good luck to her, still will crack open a bottle of Tes*o pinot and enjoy the peace. Will be back when I get fed up with the TV (probably in a half hour then)

nannytomany

TV wasn't as bad as I thought. Watched it will be alright on the night made me laugh which helps.

Might do an SOA later but at the moment I know that we are not earning enough to pay our outgoings but somehow we seem to get by
and get things paid.

Our total DMP with various cards is £10,787.54 0 %
One credit card with 34.90% is £511
Secured loan just under £19,700

and of course the mortgage which we are paying extra as my husbands business collapsed in Aug 2010 so we had 2 years of
interest free and now have to pay the extra until December this
year, which we have managed to do so far. 6 and a bit years to go

Just a bit about us: We have a busy household, we have 7 grandchildren and we look after a couple of them while their parents work, our DGS lives with us, will explain that further later,
me and my OH work part time and have a wonderful family who are very supportive of us and we try to help them, if not with money then with our time.

I have been looking on this site for years and find that everyone seems to support each other, and its a great way to vent and problems and also good times without troubling the family or friends. Also I love the ideas, I always start in January, the £1 a day which fades out by the end of January but I fill my pot with any silver coins I get my hands on. I also try and do a payment a day but at the moment my pad goes into my saving for emergencies, rightly or wrongly I would like to try and have that pad behind us.

Will try and report everyday, even if I havn't had any change in circumstances it is nice to be writing something down.

Now of to listen to a bit more Dave Ramsey

downshifted

Good luck with getting things under control. Keep posting :-) x

nannytomany

Thanks Downshifted will keep going x

shinner

Sounds like a very positive start good luck on your journey and enjoy your peace

nannytomany

Thanks you Shinner don't know about peace at work today but its got to be done. Looking forward to starting this journey properly and eventually become debt free (a long time off I know).

Back tonight to look through people diaries and get some more advice. this is very addictive isn't it x

Shelbi

Hello Nannytomany :hello:

found you & subscribed!! I think the debt free journey will be shorter than you think *fingers crossed* but it will be a fun journey as we'll all be here supporting you...& running along together...ready to make like a gazelle ...You're doing brilliantly...positive steps indeed.

Speak soon Shelbi x

nannytomany

Thanks Shelbi, hope it is shorter than I think as I'm getting on a bit would be nice to pay it all off before I retire.

Keep trying to do the icons but fail every time please help.

What baby step are you on Shelbi?

nannytomany

Yea I've worked out how to do the icon's :T go me, go me

beanielou

Happy shiny new diary.
Keep plodding & keep posting