The Final Notebook (Hopefully)

in Debt Free Diaries
6 replies 587 views
I've had a few goes at this, under an old username and email address which I don't use anymore, so decided to have a new diary to go with this username because I think I need the accountability more than anything of coming on here and posting regularly and talking to people.

I always think my debt is the worst in the world and I'm in such a bad situation, then I come on here and read a couple of other diaries and realise I am in nowhere near as bad a situation as many many people! I've been in credit card debt since University at which time I built up an overdraft and student loan and subsequently credit cards etc and have now been at a stage for a few years where I'm paddling like mad just to stay afloat. Every time I get a little bit ahead then the car needs a repair or the fridge breaks down (like last week) or similar and that's another £250 back on the CC which it took a couple of months to pay off. It's a familiar pattern.

Anyway, I'm hoping that this wont be yet another diary which has 5 posts and then is consigned to internet oblivion, but I don't want to make that promise to myself, I've done it many times before with many aspects of my life!

Here we go, one post at a time...
Total Debt - Jan 2014 -[STRIKE] £13,207[/STRIKE] £12,712
[STRIKE]MBNA - £27.10 Cleared![/STRIKE]; Student Loan - [STRIKE]£3233.68[/STRIKE] £2607.25; Hitachi Capital - [STRIKE]£478.23[/STRIKE] £328
MBNA CC - £[STRIKE]5975.19[/STRIKE] £5973.96; Tesco Credit Card £5384.50
"A Rolex wont buy you any more time"

Replies

  • beanieloubeanielou Forumite
    77.8K Posts
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    ✭✭✭✭✭✭
    Happy shiny new diary :)
    Keep posting!
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    MFW. Finally mortgage free February 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*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
  • Thanks!! Oh, and I logged into a CC card whilst browsing around this evening and paid off a pound... on my way!
    Total Debt - Jan 2014 -[STRIKE] £13,207[/STRIKE] £12,712
    [STRIKE]MBNA - £27.10 Cleared![/STRIKE]; Student Loan - [STRIKE]£3233.68[/STRIKE] £2607.25; Hitachi Capital - [STRIKE]£478.23[/STRIKE] £328
    MBNA CC - £[STRIKE]5975.19[/STRIKE] £5973.96; Tesco Credit Card £5384.50
    "A Rolex wont buy you any more time"

  • NintudNintud Forumite
    182 Posts
    Hi toomanynotebooks,

    I started a new diary today (pretty sure I started and abandoned a diary under a different name a few years ago too, but can't for the life of me remember what it was!). One post and one payment at a time eh?!
    That age old question. How do you eat an elephant?
    One bite at a time.

    Good luck x
    MBNA 0/2320. Sant 0/5115 Windows: 186/2050 GC 0/170
    0/21lb for :happylove. £ Per day 31/365. Emergency Fund #7: 650/1000
    - - - -
    What matters is how we live and love and how we spend our dash. (L Ellis)
  • Thanks Nintud...
    Total Debt - Jan 2014 -[STRIKE] £13,207[/STRIKE] £12,712
    [STRIKE]MBNA - £27.10 Cleared![/STRIKE]; Student Loan - [STRIKE]£3233.68[/STRIKE] £2607.25; Hitachi Capital - [STRIKE]£478.23[/STRIKE] £328
    MBNA CC - £[STRIKE]5975.19[/STRIKE] £5973.96; Tesco Credit Card £5384.50
    "A Rolex wont buy you any more time"

  • Today has been a decent day, I listed a load of things on Ebay last week and they ended today, £30 into the bank account which is very welcome, now I'll pop and pay some of it off a Credit Card.

    The first bite of the elephant...
    Total Debt - Jan 2014 -[STRIKE] £13,207[/STRIKE] £12,712
    [STRIKE]MBNA - £27.10 Cleared![/STRIKE]; Student Loan - [STRIKE]£3233.68[/STRIKE] £2607.25; Hitachi Capital - [STRIKE]£478.23[/STRIKE] £328
    MBNA CC - £[STRIKE]5975.19[/STRIKE] £5973.96; Tesco Credit Card £5384.50
    "A Rolex wont buy you any more time"

  • NintudNintud Forumite
    182 Posts
    Start at the trunk, I've heard the tail end is chewy :-D

    Congrats on the eBay sales. I'm still sulking about a non-paying overseas buyer, but will have to get over myself and start listing when I get home.

    Your diary is now on 7 posts, progress all round!
    MBNA 0/2320. Sant 0/5115 Windows: 186/2050 GC 0/170
    0/21lb for :happylove. £ Per day 31/365. Emergency Fund #7: 650/1000
    - - - -
    What matters is how we live and love and how we spend our dash. (L Ellis)
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